Payment Operations - Checking Operations Specialist

Socket.dev; Sacramento (CA); Hybrid; USD 29,000 - 32,000; Full time

Job summary

Golden 1 Credit Union in Sacramento, CA, is looking for a Checking Operations Specialist to join our hybrid team. You will monitor overdrafts, handle member requests, and resolve checking account issues with accuracy and compliance.

You will train colleagues, generate production reports, and collaborate with Accounting to reconcile ledgers while maintaining service levels and timely escalations as needed.

Qualifications

• H.S. Diploma or GED required.
• 2+ years experience with cash management or financial industry.
• 2+ years experience with customer service.
• Experience in item processing or related financial roles preferred.

Responsibilities

• Monitor checking accounts and manage overdrafts per policy.
• Respond to member requests for account information and adjustments.
• Investigate and resolve member concerns related to checking accounts.
• Assist seniors and supervisors in department-level initiatives and projects.
• Provide comprehensive support across the department and handle additional tasks.
• Escalate system or member issues promptly to management.
• Ensure compliance with regulations and credit union policies.
• Prepare production reports and oversee processing of foreign checks.
• Collaborate with Accounting to reconcile discrepancies in general ledger accounts.
• Assist leadership in updating departmental procedures.
• Deliver service to members and manage tier 2 escalations.
• Conduct training sessions on procedures and compliance.

Skills

Cash management

Customer service

Education

H.S. Diploma or GED

Job description

Job Title: Checking Operations Specialist
Status: Non-exempt
Reports to: Sup - Checking Operations
Department: Payment Operations
Job Code:1790
Pay Range: $21.01 - $23.50 Hourly
Location: Hybrid in Sacramento, CA

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 service-focused operations professional with strong expertise in ACH, checking, and payment operations. You excel at balancing accuracy, compliance, and member service while resolving complex issues, identifying potential risks, and supporting daily operational workflows. You are a collaborative team member who enjoys training others, sharing knowledge, and stepping in where needed to maintain service levels, meet deadlines, and ensure operational excellence.

WHAT YOU'LL DO:

• Monitor and assess checking accounts with overdrafts, executing closure procedures for accounts that remain overdrawn beyond acceptable timeframes in adherence to credit union policies.
• Promptly and accurately respond to internal and external member requests for account information, adjustments, or research, collaborating with relevant departments to gather necessary details and ensure timely resolution.
• Investigate and resolve member concerns, disputes, and inquiries related to checking accounts, maintaining professionalism and efficiency in interactions with members, staff, third-party vendors, and other departments.
• Assist seniors and supervisors in department-level initiatives, including projects, service packs, remediations, and items requiring special handling, ensuring successful completion of critical tasks.
• Provide comprehensive support across the department, undertaking additional tasks and responsibilities as assigned to maintain seamless daily operations and efficient workflow.
• Exercise sound judgment in identifying potential system integrity or member-related issues, escalating promptly to management and ensuring timely communication for swift resolution.
• Ensure compliance with all relevant regulations and credit union policies, staying informed about industry updates and participating in training programs to maintain expertise in compliance requirements.
• Prepare and generate production reports related to checking operations, as well as oversee the processing of foreign checks.
• Collaborate with the Accounting department to research and reconcile discrepancies in assigned general ledger accounts, ensuring accuracy and timeliness.
• Assist supervisors and leadership in updating and refining departmental procedures, contributing to improved accuracy and operational efficiency.
• Deliver exemplary service to members, branches, and department staff, providing courteous and efficient support and managing tier 2 escalations as needed.
• Conduct training sessions to enhance team understanding of checking operations procedures, compliance standards, and best practices, fostering a culture of continuous improvement.

QUALIFICIATIONS AND PREFERENCES:

• H.S. Diploma or General Education Degree (GED) required
• 2+ years experience with cash management or financial industry required
• 2+ years experience with customer service required
• Previous experience in item processing or related financial roles preferred

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.

#LI-Hybrid