MO Money Movement Specialist I

Exciting Opportunity at Orange County's Credit Union

Member Operations Money Movement Specialist

CREDIT UNION’S PURPOSE: Simple Banking. For People, Not Profit.

CREDIT UNION’S CORE VALUES: Integrity, Service Excellence, Growth & Development, High Performance, Mutual Respect, Community, and Fun

Workplace Excellence. Through our associates' opinions and voices, Orange County's Credit Union is a proud recipient of the Peter Barron Stark Best of the Best Award for highest associate satisfaction in the workplace! As a leading financial service provider with over 80 years of experience serving 123,000 members, Orange County's Credit Union is currently $2 billion in assets & growing.

Generous benefits including:

• Anthem Vivity HMO & Delta Care USA Dental - Orange County's Credit Union (OCCU) covers 100% of the associates' monthly premium
• Life insurance at no cost to employee.
• 401(k) – OCCU automatically contributes 3% of the employee’s earnings PLUS matches up to 5% of the employee’s contribution (dollar for dollar)
• Vacation hours – 13 days per year and rolls over year to year, and increases with tenure
• Sick hours – 7 days per year and rolls over year to year
• Paid Holidays – 12 days per year plus 3 partial days
• Annual performance merit increases
• Professional and personal development programs, including educational grants up to $2k per year, and step progression opportunities
• Annual discretionary bonus
• Professional, friendly work environment focused on achieving goals, recognizing successes, and excelling at member service.

POSITION SUMMARY:

This role is primarily responsible for supporting operational processes such as transaction posting, ATM servicing, wires, ACH operations, mobile and ATM deposits, and Shared Branching adjustments. The position involves providing professional, efficient assistance to both Associates and Members, as well as contributing to special projects, as needed. Additionally, the role is essential to the success of the Member Operations Team by managing research requests, retrieving documents and information, maintaining files, and processing account adjustments in a timely and professional manner. Successful candidates will demonstrate strong problem-solving abilities, excellent workflow management, and a keen attention to detail, all while adhering to compliance standards and regulatory requirements.

ESSENTIAL DUTIES:

• Develop a strong understanding of electronic payment processing to effectively support Associates and address their inquiries. This includes areas such as mobile and ATM deposits, wires, share drafts, CO-OP Share Branching, ACH daily file management, ATM adjustments, and other related functions as required.
• Possess a solid understanding of rules and regulations relevant to departmental functions, including but not limited to CO-OP Network deposit rules, Regulation E, Regulation D, Regulation CC, NACHA ACH rules, and Wire Processing rules such as Regulation J, BSA, and US Patriot Act to ensure strict compliance.
• Ability to process shared drafts, including NSF items, returned deposited items, ONUS, and foreign items within designated processing timelines, while ensuring full compliance and efficient processing.
• Process ATM and mobile deposits, including adjustments, returns, and item approvals, while adhering to processing timelines. Prioritize fraud review, ensuring timely detection of suspicious activity, and report items that do not meet check security features or show signs of irregularities.
• Supports the processing of incoming and outgoing wires by ensuring all required documentation is received and verifying that each wire adheres to established policies and procedures, guaranteeing compliance before processing.
• Gain a comprehensive understanding of the ACH file processing procedure, including but not limited to how ACH transactions are processed, processing timelines, reviewing ACH exceptions and the ACH warehouse, and how associates complete an ACH Money Mover or initiate a stop payment. This understanding should extend beyond the key areas mentioned to also include timely processing and adherence to ACH NACHA rules.
• Support User Acceptance Testing as a Money Movement SME for core system upgrades, including but not limited to Symitar, Synergy, Synapsys, and Image Center.

QUALIFICATIONS:

Experience/ Training/ Education:

• High school education or equivalent.
• Mastery of all the essential functions of a Teller, Legal Processes Specialist I, and Call Center positions and all associated processes. Recognized by peers and leaders as a Subject Matter Expert for knowledge and service excellence
• Minimum of two years of experience in a financial services front line or call center position which would provide thorough knowledge of deposit and loan account products and services and member service.
• Working proficiency with modern office practices and procedures, including personal computer skills with core systems used to service financial accounts. Symitar system experience preferred.
• Ability to learn new software and systems quickly and proficiently.
• Ability to read and decipher technical briefs and regulatory updates
• Working knowledge of basic Federal and State regulations that impact financial institutions and account/ loan maintenance and activity.

Knowledge/ Skills/ Abilities:

• Must possess excellent written and oral communication skills with strong presentation skills.
• Must possess problem resolution and workflow management skills
• Ability to speak, hear, give and receive instructions and information to others in person and over the telephone in a manner that reflects the organizations commitment to professionalism.
• Other language skills helpful.
• Proven organizational skills with the ability to handle multiple tasks by prioritizing job responsibilities.
• Ability to accurately perform mathematical calculations.
• Extensive knowledge in Episys Symitar, EMA, ELA, Synapsys
• Must have good personal computer skills and be proficient with Microsoft programs.

The targeted hourly rate range is $19.50to $24.40. Final offer will be determined based on experience, education, training/certifications and specialized skills.

We perform thorough background checks and credit checks. EOE