Member Operations Specialist

SUMMARY

The ideal candidate will demonstrate the ability to communicate effectively with both prospective and current Members while representing the Credit Union in a positive, professional manner. This individual identifies solutions to Members’ financial needs through a strong knowledge of the Credit Union’s products and services.

Responsibilities include performing file maintenance and posting procedures, addressing Member inquiries and issues, reviewing specialized account types, and supporting various operational functions within the department.

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ESSENTIAL DUTIES AND RESPONSIBILITIES:

 Perform all Member Operations duties as required, including but not limited to:

• Posting ACH and Check files; analyzing and working operational exception reports.
• Ensuring all processes and file data comply with NACHA Operating Rules and other regulatory standards.
• Performing daily reconciliation of General Ledger (G/L) accounts.
• Reconciling the daily branch operations and cash letters from branch, ATM, and mobile deposits.
• Creating and updating excel spreadsheets and reports.
• Handling ATM, Debit, and Credit card reconciliation, cases, and inquiries.
• Addressing disputed items promptly and in accordance with applicable regulations.
• Processing domestic and international wire transfer requests.
• Identifying suspicious transaction history and transactions; performing daily risk analysis.
• Reviewing and monitoring fiduciary, dormant, and IRA accounts to ensure compliance with internal policies and regulatory requirements.
• Processing legal restraints, levies, and subpoenas.
• Conduct period account reviews to identify dormancy status, escheatment risks, required minimum distributions (RMDs), and proper fiduciary account administration.
• Ensure accurate recordkeeping and timely maintenance of these specialized accounts, escalating and resolving any discrepancies or compliance concerns.
• Issuing Member correspondence and documenting all interactions.
• Providing Members with courteous, professional, prompt, and accurate service.
• Responding professionally to Member inquiries, requests, and issues, ensuring timely resolution.
• Maintaining a comprehensive and current knowledge of all Credit Union products and services.
• Identifying and recommending solutions to meet Members’ financial needs by promoting relevant products and services, utilizing the Credit Union’s preferred sales approach.
• Communicating effectively with external agencies and third parties as required.
• Performing routine responsibilities with limited supervision while maintaining a high level of accuracy.
• Assisting Members by resolving account issues, providing balances, and facilitating transfers.
• Supporting team members by resolving operational issues in a timely manner.
• Maintaining flexibility to support department needs, including evenings and weekends.
• Safeguarding all Member and employee information with the utmost confidentiality.
• Possessing a strong knowledge of BSA rules and regulations; successfully complete and maintain all required BSA training.
• Maintaining a clean, organized, and professional work environment.
• Demonstrating a willingness to expand product knowledge and perform additional duties as assigned.
• Background check required prior to employment.

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 Requirements:

• High school graduate or equivalent.
• Prior financial services and back-office operational experience preferred.
• Thorough knowledge of BSA rules and regulations (NACHA, UCC, and Regulations CC, D, E, and Z). 

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Competencies:

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