Checking Operations - Checking Operations Representative

Golden 1 Credit Union; Sacramento (CA); On-site; USD 28,000 - 30,000; Full time

Job summary

Golden 1 Credit Union in Sacramento, CA seeks a Checking Operations Representative to ensure accurate, compliant processing of checking accounts and to support member needs with a high level of service.

The role focuses on overdraft monitoring, account research, and collaboration with fraud prevention and other departments to resolve issues promptly while maintaining accuracy and regulatory compliance.

Qualifications

• High School diploma or GED required.
• 1+ years' experience with cash management or financial industry.
• 1+ years' experience with customer service.
• Experience in item processing or related financial roles preferred.

Responsibilities

• Identify, monitor, and assess checking accounts with overdrafts, taking appropriate actions to minimize risk.
• Execute closure procedures for accounts that remain overdrawn beyond acceptable timeframes, adhering to policies.
• Handle internal and external member requests for account information and research promptly.
• Collaborate with relevant departments to gather required information for research requests and adjustment processing.
• Address and resolve member requests for adjustments and discrepancies with attention to detail.
• Investigate and resolve member concerns, disputes related to checking accounts efficiently.
• Organize, prioritize, and manage multiple tasks while meeting deadlines.
• Collaborate with the fraud prevention team to enhance security protocols.
• Provide exceptional service to members via telephone with courtesy and efficiency.
• Ensure compliance with regulations and policies pertaining to checking operations.
• Stay informed of industry updates and participate in ongoing training for compliance.
• Generate and analyze production reports to identify trends and improvements.
• Oversee processing of foreign checks with accuracy and compliance.
• Provide comprehensive support across the department.

Skills

Attention to detail

Communication skills

Customer service

Multitasking

Computer skills

Education

High School diploma or GED

Tools

Financial software

Account research tools

Job description

TITLE: CHECKING OPERATIONS REPRESENTATIVE

STATUS: NON-EXEMPT

REPORTS TO: CHECKING OPERATIONS SUPERVISOR

DEPARTMENT: CHECKING OPERATIONS

JOB CODE: 11805

PAY RANGE: $20.07 - $22.00 HOURLY

General Description

As a Checking Operations Representative at Golden 1 Credit Union, you play a crucial role in ensuring the seamless and efficient operation of checking accounts for our members, while supporting the organization's vision, mission, and strategic goals. Your attention to detail, customer-centric mindset, and commitment to accuracy will contribute to the overall satisfaction and financial well-being of our members.

Tasks, Duties, Functions

• Identify, monitor, and assess checking accounts with overdrafts, taking appropriate actions to minimize financial risk and ensure timely resolution.
• Execute closure procedures for accounts that remain overdrawn beyond acceptable timeframes, strictly adhering to credit union policies and regulatory guidelines.
• Handle internal and external member requests for account information and research promptly, ensuring accuracy and professionalism in responses.
• Collaborate with relevant departments to gather required information for research requests and adjustment processing, ensuring timely and accurate resolution.
• Address and resolve member requests for adjustments and discrepancies, demonstrating exceptional attention to detail and ensuring member satisfaction.
• Investigate and resolve member concerns, disputes, and issues related to checking accounts efficiently and professionally, maintaining a focus on delivering excellent service.
• Organize, prioritize, and manage multiple tasks simultaneously while maintaining a high level of attention to detail and ensuring deadlines are met.
• Collaborate with the fraud prevention team to enhance security protocols, proactively identifying and mitigating risks related to fraudulent activities.
• Provide exceptional service to members via telephone, addressing inquiries and resolving issues with courtesy, professionalism, and efficiency.
• Ensure strict compliance with all relevant regulations, industry standards, and credit union policies pertaining to checking operations.
• Stay informed of industry updates and participate in ongoing training programs to maintain a thorough understanding of compliance requirements and best practices.
• Generate and analyze production reports related to checking operations, identifying trends and recommending improvements to optimize performance.
• Oversee and facilitate the accurate and efficient processing of foreign checks, ensuring compliance with operational guidelines and member expectations.
• Provide comprehensive support throughout the department, taking on additional tasks and responsibilities as assigned to maintain seamless daily operations and support team success.

PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK:

• Effective oral and written communication skills required.
• Strong knowledge in Check Acceptance, Funds Availability and Fraud detection.
• Critical thinking skills needed to identify possible fraudulent activity and member escalations or inquires.
• Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.

Organizational Contacts & Relationships

• INTERNAL: Branches, Contact Center, other departments
• EXTERNAL: Members, other financial institutions, correspondent bank, and vendors

Qualifications

• EDUCATION: Successful completion of High School curriculum or GED required.
• EXPERIENCE:
• 1+ years' experience with cash management or financial industry
• 1+ years' experience with customer service
• Previous experience in item processing or related financial roles is preferred.
• KNOWLEDGE / SKILLS:
• Strong attention to detail and accuracy in handling financial transactions.
• High level of awareness and vigilance in identifying potential fraudulent checks.
• Excellent communication skills to interact with internal business partners.
• Ability to multitask and manage time efficiently in a fast-paced environment.
• Demonstrated ability to work well in a team-oriented environment.
• Excellent oral, written, and interpersonal communication skills.
• Professional member relations skills
• Proficient computer skills and software experience.

Physical Requirements

• Prolonged sitting throughout the workday with occasional mobility required.
• Corrected vision within the normal range.
• Hearing within normal range. A device to enhance hearing will be provided if needed.
• Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.

Licenses / Certifications

THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE'S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.

REV.02/18/2026