Electronic Check Processing - ECP Operations Specialist

Mission Fed; Oregon; Hybrid; USD 33,000 - 39,000; Full time

Benefits offered by this job

Top Workplace award recognition

Remote work eligible

PTO 18 days + 12 holidays

401(k) with 6% match

Full benefits package

Employer-paid concierge service

Job summary

Mission Federal Credit Union in San Diego, CA is seeking an ECP Operations Specialist to support back-office deposit and loan servicing operations with precision and compliance. You will handle high-volume financial transactions, review for regulatory holds, and work with internal teams to maintain accurate records.

Ideal candidates bring a high school diploma, 1 year in a financial institution, and strong data-entry, analytical, and communication skills.

Qualifications

• High school diploma or equivalent required; related coursework preferred.
• 1 year of experience in a financial institution or deposit operations.
• Accurate transaction processing with strong attention to detail.
• Strong analytical/problem-solving skills and ability to resolve discrepancies.
• Knowledge of banking regulations and transaction processing is preferred.

Responsibilities

• Process high-volume deposits, loan payments, loan payoffs, and other transactions with accuracy and compliance.
• Review transactions for negotiability, apply regulatory holds, and support regulatory requirements (Reg CC, BSA).
• Investigate discrepancies, resolve processing exceptions, and adjust accounts as needed.
• Process incoming loan payoff checks and assist with title releases and garnishments.
• Collaborate with Branches, Contact Center, Accounting and other departments to provide operational support and resolve issues.

Skills

Attention to detail

Analytical thinking

Verbal and written communication

Data entry and 10-key

MS 365 proficiency

Education

High school diploma

Tools

Symitar

Lockbox software

Item processing platforms

General ledger balancing

Job description

ECP Operations Specialist

Onsite | San Diego, CA

Compensation: $24.00 - $28.00 per hour. Actual compensation within this range will be determined by factors including experience, qualifications, skills, and internal equity.

Do you enjoy solving complex financial puzzles, working with high-volume transactions, and ensuring accuracy in every detail? Are you someone who takes pride in keeping critical financial processes running smoothly while supporting both internal teams and members behind the scenes? We have an exciting opportunity for someone who enjoys balancing operational excellence, risk management, and member service. This role plays an important part in supporting Mission Fed's back-office deposit and loan servicing operations, helping ensure financial transactions are processed accurately, securely, and in compliance with regulatory requirements.

Be a financial operations expert!

• Process and validate a high volume of deposits, loan payments, loan payoffs, and other financial transactions while ensuring accuracy, compliance, and exceptional attention to detail.

Help protect the organization from risk!

• Review transactions for negotiability, identify anomalies, apply regulatory holds, and support compliance with regulations including Regulation CC and BSA requirements.

Put your analytical skills to work!

• Investigate transaction discrepancies, resolve processing exceptions, perform account adjustments, and help ensure accurate financial records and reporting.

Support critical loan and deposit operations!

• Process incoming loan payoff checks, facilitate title releases, manage legal garnishments and levies, and assist with specialized deposit processing activities.

Partner across the organization!

• Collaborate with Branches, the Contact Center, Accounting, and other departments to answer questions, resolve issues, and provide operational support.

Make an impact behind the scenes!

• Support daily electronic check processing activities, mobile and ATM deposit review, school district deposit processing, reconciliation activities, and process improvement efforts that help drive operational excellence.

Here is what we are looking for:

• High school diploma or equivalent required; coursework in Accounting, Business Administration, Finance, or a related field is preferred.
• Minimum of 1 year of experience in a financial institution, preferably in deposit operations, check processing, loan servicing, account reconciliation, or a related operational environment.
• Experience processing financial transactions while maintaining a high degree of accuracy and attention to detail.
• Strong analytical and problem-solving skills with the ability to identify issues, investigate discrepancies, and determine appropriate resolutions.
• Working knowledge of banking regulations, transaction processing, or financial operations is preferred.
• Comfortable working in a high-volume, deadline-driven environment where accuracy matters.
• Excellent verbal and written communication skills with a strong commitment to internal and member service.
• Strong organizational skills with the ability to manage multiple priorities and adapt to changing business needs.
• Proficiency with Microsoft 365 applications and the ability to learn multiple systems and platforms.
• Experience with Symitar, Lockbox software, item processing platforms, general ledger balancing, or similar financial systems is preferred.
• Strong data entry and 10-key skills.
• Someone who enjoys collaboration, continuous learning, process improvement, and delivering high-quality work every day.

What we offer:

• A great work environment – our Team Members say so – we’ve won Top Workplaces 5 years including 2026! (#notsohumblebrag)
• Great team – our Team Members are the best (well we think so!)
• You can’t beat a role in sunny San Diego, but we support fully remote positions too!
• 18 days of PTO in your first year plus 12 holidays a year!
• 6% 401(k) match!
• Full benefits package including medical, dental, vision, life insurance, etc.
• Personal concierge benefit through Overalls to help support you (100% employer paid)

Your privacy is very important to Mission Federal Credit Union. The California Consumer Privacy Act (“CCPA”)/ California Privacy Rights Act (CPRA) requires Mission Federal Credit Union to inform California residents, including job applicants, of the categories of personal information we collect and the purpose for which the personal information will be used. This job applicant notice and the CCPA/CPRA notice provides the disclosures required by the CCPA/CPRA and applies only to applicants who are subject to the CCPA/CPRA.

Mission Federal Credit Union is an Equal Opportunity Employer. All applicants will receive consideration without regard to race, sex, color, creed, religion, age, marital status, sexual orientation, national origin, physical or mental disability, veteran status, or any other class protected by law.