Electronic Services Representative I

LBS Financial Credit Union; Westminster (CA); On-site; USD 30,940 - 33,847; Full time

Benefits offered by this job

Medical benefits

3 weeks PTO

Sick time

401(k) and Roth

Job summary

LBS Financial Credit Union in Westminster, CA is seeking an Electronic Services Representative I to provide back office support and member service. The role involves processing ACH items, fraud monitoring, card portfolio management, and regulatory-compliant operations.

The position emphasizes accurate processing, collaboration with team members and financial partners, and adherence to NACHA and Regulation E/Z guidelines. Regular hours are Mon–Fri with occasional weekend needs.

Qualifications

• High School diploma or equivalent.
• At least 3 years processing ACH and/or card disputes/fraud chargebacks; AAP beneficial.
• Extensive knowledge of NACHA, Green Book and Regulation E/Z; basic Regulation CC beneficial.
• Strong verbal and written communication skills.
• Proficient with Microsoft Office: Excel, Word, Outlook.

Responsibilities

• Provide back office operations, including ACH processing, exceptions, returns and payroll distributions.
• Manage ATM, debit and credit card portfolios; monitor fraud; reconcile with Network and Host; GL posting.
• Process ATM adjustments and daily/monthly reconciliations; GL posting and management.
• Handle Share Draft processing, exceptions and reconciliation; ensure compliance and controls.
• Mentor teammates; resolve workflow issues; ensure duties meet regulatory guidelines.
• Access internal/external applications to maintain Member account transactions; support Members.

Skills

Regulatory knowledge

ACH processing

Card disputes and fraud

NACHA compliance

Regulation E/Z knowledge

Communication skills

MS Office

Education

High School diploma

AAP beneficial

Tools

Excel

Word

Outlook

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Electronic Services Representative I

Regular Full-Time Westminster, Westminster, CA, US 1 Attachments

6 days ago Requisition ID: 1636

Salary Range: $22.46 To $24.57 Hourly

Are you a service professional with extensive behind the scene knowledge of ACH, electronic regulations and all things electronic?

We would like to welcome an Electronic Services Representative I responsible for providing excellent service and support to Members, team members, and financial partners through professional, efficient, accurate, and knowledgeable service delivery; while also processing back office operations. A high level overview of the Electronic Services department back office operations includes the management of ACH; ATM, debit, and credit card portfolios; Automated Teller Machines (ATMs); Share Drafts; CU Online, Bill Payer; and other product support.

JOB REQUIREMENTS & RESPONSIBILITES:

• Provide back office operations, including but not limited to:
• Processing of ACH : exception items and returns; reconciliation with ACH file and Core; debit origination; Written Statement of Unauthorized Debit processing; Stop Payments; Payroll Distribution; Payroll Deduction; and Summer Savings.
• ATM, Debit, and Credit Card Portfolios: ordering and blocking cards; fraud monitoring; dispute/fraud chargeback processing; reconciliation of transactions with Network and Host; and GL posting and management.
• ATMs: processing incoming/outgoing adjustments; hardware fault monitoring; daily/monthly reconciliation with Network and ATMs; GL posting and management.
• Share Drafts: the processing of exception items and returns; reconciliation; GL posting and management.
• Mentors and assists team members with researching and resolving issues and work flows insuring duties are completed with operational, compliance, and regulatory guidelines.
• Efficiently and accurately processes department functions while providing support and assistance to Members, team members, partners, and financial institutions.
• Accesses internal and external applications required to properly maintain Member account transactions.
• This position is a full-time position. Hours are generally from Monday through Friday 7:00 AM- 6:00 pm. Occasional holiday or weekends may be required based on business needs.

EDUCATION & EXPERIENCE PREREQUISITES:

• High School diploma or equivalent.
• Extensive regulatory knowledge with a minimum of three (3) years of processing experience specific to Automated Clearing House (ACH) and/or card disputes and fraud chargebacks. Accredited ACH Professional (AAP) beneficial.
• Possesses extensive knowledge of and compliance with NACHA and Green book and/or Regulation E and Regulation Z applicable to cards. Basic knowledge of Regulation CC and Regulation D are beneficial.
• Possesses strong verbal and written communication skills.
• Possesses strong service delivery, analytical, organizational, and prioritizing skills.
• Possesses strong skillset relative to Microsoft Office Applications, i.e. Excel, Word, and Outlook.
• Medical, Dental, and Vision 100% employee-only plans paid by LBS
• 12 Paid Holidays, 3 weeks PTO, and Sick Time
• 401(k) and Roth(k) Retirement Plans
• Insurance: Life, AD&D, LTD
• Critical Illness, Accident Insurance, and Hospital Indemnity
• Educational Reimbursement
• Loan discounts and free branch services
• Discount entertainment: movie tickets, travel, car rentals, and much more
• Wellness Benefits starts 1st of the month following 30 days of employment

PAY RANGE

In accordance with California’s Pay Transparency Act, the expected salary range for this position is between:

$22.46 - $24.57

Actual pay will be determined based on a candidate’s specific qualifications, including their knowledge, skills, education and experience, internal equity consideration, as well as other job-related factors permitted by law.

External Candidates: As part of our screening process, LBS Financial conducts background investigations on candidates who are extended an offer and who agree and authorize us to do so. This investigation will include:

• Employment Verifications - Employment Dates & Job Titles
• Credit Report
• Criminal Records Search
• Social Security Search
• Governmental Registries Search

Additionally, candidates must be eligible to be bonded through a fidelity bond to cover employee loss and risk.

Internal Candidates: As an Employer of Choice, LBS Financial strives to support our employees’ career growth and encourage employees to apply for job opportunities for which they believe they are qualified. The Credit Union may interview outside as well as internal candidates.

Equal Opportunity Employer.

Attachments (1)

Electronic Services Representative I.pdf