Item Processing - Item Processing Specialist (Full-Time)

Golden 1 Credit Union; Sacramento (CA); On-site; USD 48,000 - 51,000; Full time

Job summary

Golden 1 Credit Union is seeking an Item Processing Specialist in California to handle checks, deposits, and related items via mail, mobile, or ATM channels. You will process high volumes accurately, review transactions for errors, and monitor for fraud while providing timely member and partner support.

The role requires attention to detail, strong analytical skills, and knowledge of item processing systems.

Qualifications

• HS diploma or GED required.
• 3+ years experience in item processing, cash management, operations, or related financial roles.
• 2+ years experience in item processing or operation related financial roles.

Responsibilities

• Receive and process a variety of financial transactions, including checks, deposits, bill pay and other related items made through mail, mobile or ATM channels.
• Manage and sustain high volumes of items for processing efficiently.
• Utilize various item processing systems and tools to ensure accurate and timely completion of transactions.
• Conduct thorough reviews of processed transactions to identify and correct errors or discrepancies.
• Monitor and identify fraudulent or suspicious activity during the clearing process of items.
• Perform data entry tasks with a high level of accuracy to maintain the integrity of financial records.
• Conduct thorough research and promptly respond to inquiries from members, branches, and departments.
• Maintain Research queue and ensuring daily service level agreement is met.
• Review and make decisions on items processed through ATM, Bill Pay, or mobile channels, with high limits assigned.
• Validate and verify information to minimize errors in transaction processing.
• Identify and resolve, or guide others in resolving, issues that deviate from routine business, especially complex transactions.
• Escalate promptly for management when member impact is possible, and disseminate proper notifications.
• Deliver exemplary service to members, branches, and other department staff with efficiency, courtesy, and the ability to handle tier 2 escalations when necessary.
• Monitor and uphold the transport system, report system issues to management, and engage vendors for timely resolutions.
• Partner with seniors and supervisors on projects, service packs, remediations, and items requiring special handling.
• Contribute to departmental initiatives and stay organized to manage multiple tasks.

Skills

Item processing

Attention to detail

Compliance knowledge

Analytical skills

Education

HS diploma or GED

Tools

Item processing systems

Job description

Job Title: Item Processing Specialist

Status: Non-exempt

Reports to: Supervisor - Item Processing Ops

Job Code: 11654

Pay Range: $23.09 - $24.50 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 a detail-oriented and results-driven Item Processing Specialist with proven experience managing high-volume financial transactions while maintaining exceptional accuracy, compliance, and service standards. You excel at identifying and resolving complex processing issues, detecting potential fraud risks, conducting thorough research, and supporting members and internal business partners with professionalism and efficiency. Through your strong analytical skills, sound judgment, and commitment to operational excellence, you help ensure the integrity of financial records, meet service level expectations, and contribute to the successful achievement of organizational goals.

What You'll Do

• Receive and process a variety of financial transactions, including checks, deposits, bill pay and other related items made through mail, mobile or ATM channels.
• Manage and sustain high volumes of items for processing efficiently.
• Utilize various item processing systems and tools to ensure accurate and timely completion of transactions.
• Conduct thorough reviews of processed transactions to identify and correct errors or discrepancies.
• Monitor and identify fraudulent or suspicious activity during the clearing process of items.
• Perform data entry tasks with a high level of accuracy to maintain the integrity of financial records.
• Conduct through research and promptly respond to inquiries from members, branches, and departments.
• Maintaining Research queue and ensuring daily service level agreement is met.
• This role will involve reviewing and making decisions on items processed through ATM, Bill Pay, or mobile channels, with high limits assigned.
• Validate and verify information to minimize errors in transaction processing.
• Identify and proficiently resolve, or guide others in resolving, issues that deviate from the routine course of business, particularly those linked to intricate or substantial transactions.
• Exercise utmost care and judgment in recognizing member-related or system integrity issues, ensuring prompt escalation to the appropriate level of management for immediate resolution. In cases where members may be affected, prioritize timely communication to management, enabling the dissemination of proper notifications throughout the company.
• Deliver exemplary service to members, branches, and other department staff with efficiency, courtesy, and the ability to handle tier 2 escalations when necessary.
• Closely monitor and uphold the transport system, promptly reporting any system issues to management. This proactive approach ensures that vendors are promptly engaged to identify and implement timely resolutions.
• Partner with seniors and supervisors in department-level initiatives, including projects, service packs, remediations, and items requiring special handling.
• Contribute expertise to support the successful execution of departmental initiatives.
• Organize, prioritize, and perform multiple tasks simultaneously while being detailed oriented.
• Collaborate with the fraud prevention team to enhance security protocols and minimize risks associated with fraudulent activities.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Ensure compliance with established policies, procedures, and regulatory requirements.
• Provide additional support throughout the department and perform other tasks and duties assigned as needed to maintain daily operations.

Qualificiations And Preferences

• H.S. Diploma or General Education Degree (GED) required
• 3+ years experience in item processing, cash management, operations, or related financial roles required
• 2+ years experience in item processing or operation related financial roles 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.