What are the responsibilities and job description for the Check and Digital Payments Specialist position at California Coast Credit Union?

Under the direct supervision of the Supervisor, Check and Digital Payments and following established procedures, works with most phases of check and digital payment processing including but not limited to Check21 item processing, bank by mail check processing, share draft exception processing, remote deposit capture, research, subpoenas and check adjustments. In addition, provides backup support to the document management responsibilities.

Key responsibilities :

Supports branches utilizing branch capture solution to include troubleshooting of hardware and software, password resets and Check 21 operational questions.
Participates and assists with or has working knowledge of image item processing to include processing and balancing of all electronic member checks, both incoming and outgoing.
Processes bank by mail transaction posting including lockbox and credit card payments received with coupons. Posts check transactions received from the Lending departments.
Processes automated bill payment transactions through a web portal converting transactions to ACH using daily established deadlines.
Handles share draft exception processing daily with stringent deadlines. This includes decision-making on the paying / returning of checks written by the members.
Processes electronic incoming returned deposited items daily. This includes COOP, Shared Branching and National Adjustment returns. Works closely with both Fraud and Accounting Departments.
Processes electronic outgoing returned items daily ensuring established guidelines and timeframes are met.
Performs daily review of remote deposit capture items to include mobile, ATM and ITM images ensuring members account adjustments are handled timely. Works closely with the Fraud Department on this process.
Answers department phone calls and email requests.
Follows Check 21 guidelines to ensure check clarity and timeliness of daily import / export files to / from the Endpoint Exchange / FRB systems.
Ensures daily reports are updated timely and accurately and works with the Accounting Department to resolve outstanding daily balancing issues.
Monitors large item cases to include incoming returned items as well as providing signature verification for large items drawn by our members.
Performs research pertaining to routine outstanding Viewpointe / FRB issues and handles incoming bank letters pertaining to check adjustments.
Monitors and completes research tickets received pertaining to but not limited to check copies, statement copies, posting errors and any adjustment related process necessary for the resolution of such research.
Works in conjunction with Risk Management by providing requested documentation on all types of incoming subpoenas / warrants.
Provides support to branches, MSC and Spectrum departments to include but not limited to troubleshooting with check scanning equipment, locating of documents and general check, document and operations related questions.
Responsible for having an understanding of the ECCHO / FRB regulations, image item processing deadlines and Check 21 guidelines in order to support the products.
Participates and assists with document management job duties as a backup responsibility.

Supervisory responsibilities :

The incumbent reports directly to the Supervisor, Check and Digital Payments. There are no direct reports to this classification.

Education, skills, & abilities :

The Eight Superpowers

Provides leadership through modeling of behaviors and bringing forward new ideas and new ways of doing things.

Demonstrates empathy , self-reflection, and adjustment of own behaviors, showing effective emotional intelligence.

Practices active listening in communications with others, giving someone full attention and listening to understand, not just respond.

Demonstrates grit , persisting in application of knowledge, skills, and behaviors to achieve goals and address obstacles.

Models intrinsic motivation ; is self-driven to meet or exceed objectives, timelines, and quality measures while building and sustaining effective relationships.

Applies creative problem-solving to provide clarity, handle resources under one’s control, and address stressful situations; finds ways to meet individual, team, and member goals, by navigating through barriers.

Shares a diverse set of perspectives, work and life experiences, as well as religious and cultural differences. Actively seeks out differences in values, ideas, and priorities. Respects and value the differences of others, including but not limited to : national origin, language, race, color, disability, ethnicity, gender, age, religion, sexual orientation, gender identity, socioeconomic status, veteran status, and family structures. Believes a diverse workplace is essential to the company’s success.

Values and shows appreciation for the unique qualities and experiences of each person- inclusion ; appreciates and effectively utilizes the talents and skills of others to achieve objectives; is open to the perspective of others; and encourages collaboration, flexibility, and fairness. Makes each employee feel valued and supported for their unique qualities.

Other Education, Skills, and Abilities

Specialist :

The experience as acquired from a high school diploma or equivalent plus two to five years financial institution experience.

Experience working with Microsoft Applications such as Word, Excel and Outlook. Ability to effectively utilize Windows and browser-based desktop software and scanning equipment.

Experience processing various exception reports, posting monetary transactions and performing file maintenance.

Ability to communicate effectively, orally and in writing.

Accurate data entry capability to include balancing and reconciling of work.

Good organizational skills, detail orientation and the ability to handle multiple priorities to meet work deadlines. Able to work independently and under pressure.

Ability to appear for work on time, follow directions from a supervisor, interact effectively with co-workers and members, understand and follow posted work rules and procedures and accept constructive criticism.

Proficiency in MS Office Suite and familiarity with IT systems, servers and infrastructure is preferred.

Senior Specialist :

Must meet all qualifications of the Specialist, plus have 8 to 10 years financial institution experience.

PHYSICAL REQUIREMENTS :

Excellent ability to communicate both verbally and in writing; ability to tolerate periods of continuous sitting and / or noise; ability to lift up to 10 lbs.

ENVIRONMENTAL CONDITIONS :

Work is primarily performed within a cubicle office setting. Subject to moderate background noise found in an office / scanning environment.

Note : Staff is expected to perform various tasks, projects and administrative duties as assigned.

Management reserves the right to assign or change duties and tasks to this position at their discretion.

Salary Range

21.5468 - $26.9336 / hr. - Check and Digital Payments Specialist

23.9440 - $29.9300 / hr. - Sr. Check and Digital Payments Specialist

Salary : $22 - $27

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