eServices Specialist

Coast360 Federal Credit Union; Northern (KY); Hybrid; USD 42,000 - 65,000; Full time

Job summary

Coast360 Federal Credit Union is seeking an eService Specialist to process ACH origination and wire transactions, monitor fraud, and train eServices officers. The role includes assisting with card embossing, remote deposit capture, OFAC alerts, and reconciliation tasks within a credit union environment.

The candidate will support daily operations, ensure accuracy and timeliness of electronic transactions, and participate in audits and cross-selling of services.

Qualifications

• GED or higher required; 3+ years in electronic services.
• Experience with ACH, wire processing, card services, and fraud monitoring in a full-service financial institution.
• Strong reading, writing and verbal communication skills.

Responsibilities

• Process ACH originations and ACH incoming items.
• Process all incoming/outgoing wires (domestic and international).
• Daily review of fraud alerts and member contact.
• Train eServices Officers in electronic banking operations.
• Assist in card embossing and monitor inventory with the card vendor.
• Support remote deposit capture and FRB uploads.
• Review OFAC alerts and handle notice of reclamations.
• Cross-sell credit union products and services.
• Support audits and related duties as assigned.

Skills

ACH processing

Wire processing

Fraud monitoring

Eservices training

Card services

Education

GED

AAP certification

Job description

Overview

Position Type

Full Time

Description

SUMMARY:

Under the guidance of the Support Services Manager, is responsible for the processing of sensitive and high risk electronic transactions such as Automatic Clearing House (ACH) Origination and Incoming, Wire Transfers (domestic and international): incoming & outgoing, fraud monitoring, assist and oversee card embossing and training of eServices officers.

Assists the eService Supervisor and/or Support Services Manager with the review of check scanning, in clearing share draft items and remote deposit capture. Provide input in developing team goals, provide feedback on employee performance, prepare reports and assist with audits.

ESSENTIAL DUTIES AND RESPONSIBILITIES

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

• Receive, review and set up all ACH Originations (manual OLB Business/Retail ACH) and ACH incoming.
• Receive, review and process all incoming & outgoing wires (domestic and international).
• Daily review of fraud alerts and contact members.
• Trains eServices Officer in operations and procedures with 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, and card services.
• Assist all member centers with card embossing through our card vendor Card@Once to include monitoring the inventory.
• Assist in the remote deposit capture process and create the file for FRB upload.
• Review and clear escalated OFAC alerts.
• Review and process Notice of Reclamations.
• Cross-sells credit union’s products and services.
• Perform other duties as might be assigned from time to time.

SUPERVISORY RESPONSIBILITIES

May serve as a Team Leader and assist in supervising employees in eServices, in the absence of the eServices Supervisor and/or Support Services Manager. Carries out supervisory responsibilities in accordance with the credit union’s policies and applicable laws. Responsibilities include training employees; planning, assigning, and directing work; providing feedback and input for performance reviews; addressing complaints and resolving problems.

PERFORMANCE STANDARDS

The eService Specialist is also expected to be familiar with the regular tasks and functions of the eService officer and will be expected to assist with those as necessary. 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

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 three or more years related experience in electronic services (ACH, wire processing, card services, fraud monitoring, etc.) in a full service financial institution; or any equivalent combination of formal training and/or experience which provides the necessary knowledge, skills, and abilities 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 and AAP (Accredited ACH Professional) certification.

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 and fingers to 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.