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 is seeking a Checking Operations Representative to process wire activity, maintain accurate end-of-day balances, and ensure compliance with financial regulations. You will handle inquiries, document transactions, and support continuous improvement within the Checking Operations department.

The role emphasizes attention to detail, security in payment services, and delivering high-quality member service while collaborating with internal teams and external institutions.

Qualifications

• 3+ years prior experience in a financial or operational role with relevant expertise, preferably with wire transfer processing, business services and fraud detection experience
• Equivalent work experience may be substituted for college degree required
• Associate/Bachelor degree preferred

Responsibilities

• Processing and documenting consumer and business wire activity and Golden 1 Corporate wires, ensuring deadlines are met and end-of-day balance reporting is accurate
• Reviewing wire activity with exceptional attention to detail and maintaining accurate records
• Stay current with financial regulations and credit union compliance; complete regulatory courses
• Identify, investigate, and resolve inquiries, discrepancies, or complaints
• Maintain organized records of interactions and transactions; support workflow improvements
• Communicate clearly with internal staff, external institutions, and members; uphold high-quality member service

Skills

Attention to detail

Customer service

Problem solving

Education

Associate’s Degree in Business or Accounting/Finance

Bachelor’s Degree in Finance, Accounting, Business Administration or related field

Equivalent work experience may be substituted

Job description

Job Title: Checking Operations Representative

Status: Non-exempt

Reports to: Supervisor - Checking Operations

Department: Checking Operations

Job Code: 11805

Pay Range: $20.50 - $22.00 Hourly

Who We Are

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

Who You Are

You are naturally curious and committed to delivering accurate, timely, and secure payment services. You combine attention to detail, problem-solving skills, and a strong service mindset to support members, strengthen operations, and drive continuous improvement.

What You'll Do

• Processing and Documentation: Demonstrate thorough attention to detail by in reviewing and processing consumer and business incoming and outgoing wire activity and Golden 1 Corporate wires, ensuring that all critical deadlines are met, and that end of day balance reporting is timely and accurate. Maintain organized and detailed records of interactions and transactions.
• Exhibit exceptional attention to detail in reviewing and processing consumer and business incoming and outgoing wire activity and Golden 1 Corporate wires, ensuring that all critical deadlines are met, and that end of day balance reporting is timely and accurate.
• Regulatory Compliance: Stay current with financial industry regulations and credit union compliance guidelines, policies, and departmental procedures. Ensure all related processes adhere to these standards. Successfully complete and maintain all regulatory and compliance courses, applying the acquired knowledge to daily tasks.
• Inquiries/Problem Resolution: Identify, investigate, and resolve inquiries, discrepancies, or complaints, effectively navigating complex situations. Promptly escape potential issues that could affect system integrity, involve fraud or forgery, or impact member satisfaction.
• Record-Keeping: Maintain organized and detailed records of all interactions, transactions, communications related to workflows; review and update workflow procedures and prepare statistical information to Management.
• Communication: Exhibit clear written and verbal communication skills when interacting with internal staff, external financial institutions/agencies, and members. Maintain professionalism and care to ensure high‑quality member service in every interaction.
• Professional Development: Stay current with credit union and department training and updates, actively participating in job knowledge training sessions. Pursue self‑development and cross‑training opportunities to enhance proficiency in workflow tasks. Perform additional duties as assigned.
• Digital expectation: Recognize and suggest process improvements with an emphasis on digital innovation and efficiency to boost operational performance. Assist in the implementation of digitally focused initiatives.
• Engagement participation: Foster a positive, inclusive work environment and self‑motivate through embracing and practicing Golden 1’s mission, vison, and core values.

Qualificiations And Preferences

• Associate’s Degree of Arts degree in Business or Accounting/Finance preferred
• Bachelor’s Degree in finance, accounting, business administration or a related field preferred
• Equivalent work experience may be substituted for college degree required
• 3+ years prior experience in a financial or operational role with relevant expertise, preferably with wire transfer processing, business services and fraud detection experience required

Why Join Us

Golden 1 Credit Union provides its employees a market‑competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well‑being and work‑life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

Disclaimer/Intent And Function Of Job Descriptions

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.