eServices Officer

Coast360 Federal Credit Union; Guam; Hybrid; USD 34,000 - 52,000; Full time

Job summary

Coast360 Federal Credit Union in Maite, GU is seeking an eServices processing professional to handle electronic banking transactions including payroll deductions, direct deposits, EFT/ACH, ATM replenishment, and wire processing. The role requires attention to detail and reliability in processing sensitive financial transactions.

Responsibilities include reviewing EFT/ACH records, processing payments, monitoring fraud alerts, and ensuring accurate ledger entries.

Qualifications

• Requires high school diploma or GED with 2+ years of related experience in a financial institution.
• Ability to read and interpret operating instructions and procedures.
• Strong written and oral communication skills; ability to interact with members.

Responsibilities

• Process EFT records for payroll deductions and direct deposits.
• Post incoming ACH and review/process exceptions and returns.
• Set up manual ACH originations and process wire transfers (domestic/international).
• Monitor ATM balance, balance reports, and prepare replenishment and balancing.

Skills

Attention to detail

Communication

Teamwork

Education

GED or high school diploma

Tools

Microsoft Office

Job description

Job Details: Job Location: Maite Member Center (HQ) - Maite, GU 96910, Position Type: Full Time, SUMMARY:

Under the guidance of the eServices Supervisor, is responsible for processing of all electronic banking transactions; such as payroll deductions and direct deposit, Electronic Fund Transfers (EFT), Automatic Clearing House (ACH), Automated Teller Machine (ATM) replenishment and monitoring; Automatic Transfer Authorization (ATA), check scanning, share draft processing, wire processing, fraud monitoring, debit card services, review and process remote deposit capture check deposits.

ESSENTIAL DUTIES AND RESPONSIBILITIES

include the following job functions. Other job functions may be assigned from time to time. The job functions contained herein are intended to be supplemented by “Task Lists” which describe various individual tasks associated with each job function.

Responsible for the accurate and timely processing of all electronic transactions including:

• Receive, review and create/update EFT records for Payroll Deductions / Direct Deposit and prepare transmittal to government agencies.
• Post incoming ACH, review and process ACH exceptions, process ACH returns, returns related to WSUD’s and stop payments.
• Receive, review and set up all manual ACH Originations.
• Process host ACH origination files, online banking business ACH and retail ACH files.
• Daily monitoring of balance in ATM units, Terminal Level Posting (TLP) reports, place service calls, prepare replenishment report and complete balancing, statistics report and update EDC file. Assist in Dual custody and site visits as necessary.
• Receive and set up all Automatic Transfer Authorization on the saving and checking accounts.
• Review and scan checks for processing.
• Review and process return check deposits.
• Process incoming share draft items, exceptions, and returns.
• Receive, review and process all incoming and outgoing wires (domestic and international).
• Daily review of fraud alerts and contact members.
• Review and process debit card exceptions.
• Perform transactions affecting general ledger accounts and prepare daily vouchers.
• Review all check images for remote deposit capture and process items.
• Receive, review and process return mail related to eServices.
• Monitor team emails and respond or refer as appropriate.
• Receive and process 3rd party payroll postings.
• Cross-sells credit union products and services.
• Perform other duties as might be assigned from time to time.

SUPERVISORY RESPONSIBILITIES

None

PERFORMANCE STANDARDS

Ability to work interdependently with staff of the organization while at the same time conducting verification of work practices and procedures. Knowledge of applicable laws and regulation regarding electronic services. Utilizes interpersonal skills effectively in a team environment. Displays leadership ability plus a professional attitude and appearance at all times.

QUALIFICATIONS

Ability to work interdependently with staff of the organization while at the same time conducting verification of work practices and procedures. Knowledge of applicable laws and regulation regarding electronic services. Utilizes interpersonal skills effectively in a team environment. Displays leadership ability plus a professional attitude and appearance at all times.

QUALIFICATION REQUIREMENTS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

High school diploma or general equivalency diploma (GED) is required; plus two or more years related experience in member/customer service in a full service financial institution; or combination of formal training and/or experience thereof.

LANGUAGE SKILLS

Ability to read and interpret documents such as operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively with members and employees. Communicate effectively in both oral and written form.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percentages.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

CERTIFICATES, LICENSES, REGISTRATIONS

Valid Driver’s License

OTHER SKILLS and ABILITIES

Ability to operate standard office equipment and tools such as postage machine, fax machine, telephones, photocopier, typewriter, and utilize appropriate versions of current computer software (e.g., Microsoft Office).

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception, and the ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

MENTAL DEMANDS

The mental characteristics necessary to competently perform this job include the routine need to use spatial perception; to frequently be resourceful, and use problem solving; and the continuous need to be precise, alert, and the use concentration.