Our Company
At Raiz FCU, we share a passion for knowledge and a pursuit of growth. Grounded in our El Paso heritage as previously Teachers Federal Credit Union, since 1936 we are growing to help our community move into the future. We are inspired people, invested in you. At Raiz, we guide our members to focus on what could be and help them get there. This new path inspires us to look ahead and the lead the way with passion.
Job Overview
This position reports to the Deposit Operations Assistant Manager and Payments and Deposit Operations Manager. It is the role of the Deposit Operations Specialist to provide high-service deposit processing of Checks through the Financial Hubs, Remote Deposit Capture services (Mobile and Business Desktop), and mail. This role monitors, reports charge-offs and performs Financial Hub general ledger Reconciliations.
In this role, you are cross trained to support the Account Services team in conducting research, completing legal requests, and performing maintenance on member accounts.
This position requires excellent organizational abilities, multi-tasking, attention to detail, accuracy and efficiency. Must be resourceful, self-motivated, and make sound and accurate decisions with minimum dependence on supervisors. You will be an empowering mentor that will be:
- A trusted expert
- A natural communicator
- A champion for our members, team members and the community
- A guide through the moments that matter the most to our members
Position Details:
1241 Pullman Dr. El Paso, Tx 79936
Monday-Friday, some Saturdays
Pay Details:
$15.60-$23.40
QualificationsSkills and Experience
- Education - High school degree or equivalent. Additional business training helpful.
- Minimum of 5 years of credit union, or financial services, experience to include an understanding of products, services, policies, procedures, and regulations preferred.
- Minimum of 3 years’ experience as a Deposit Operations Specialist or performing a similar role, such as Teller or Member Services Representative.
- Basic understanding of accounting principles.
- Well organized and works with a sense of urgency.
- Attentive to detail, a multi-tasker and efficient.
- Must have good communication and interpersonal skills.
- Able to operate office machines including PC, Imaging Systems, telephones, viewers, printers, and other basic machines.
- Strong service-orientation, and customer services skills.
- Critical thinking and problem-solving skills.
- Strong proficiency in Microsoft Office and web-based applications.
Role Description and Essential Duties
- To accurately and securely process more than 500 deposits per day from the Raiz Financial Hubs (ATMs), Remote Deposit Capture (Mobile and Business Desktop), mail and branches adhering to Regulation CC and Funds Availability Policy.
- Accurately posts payments received via mail or the branches, and processes returned mail.
- Identifies potentially fraudulent deposits and provides suspected items to the Deposit Services Specialists for research, reporting, prosecution and recovery.
- Monitors deposit accounts with a negative balance on a daily basis, reports accounts to Collections for recovery, closes accounts that have been negative for 45-days, and reports on all deposit charge-offs to appropriate agencies and management. May assist with deposit recoveries, as needed.
- Cross-trained to provide support to the Deposit Services Specialists, as needed.
- Receive and process legal requests. Legal requests include but are not limited to levies, garnishments, judgements, and subpoenas. Each type of legal request must be fulfilled within regulatory guidelines, logged, and audited. Includes working cross-departmentally to fulfill the legal request.
- Complete Research, Statement, Tax Form, and Maintenance requests received from the Branches, Call Center or Digital Banking.
- Keeps management informed of area activities and of any significant problems. Completes special projects as assigned. Audits actions taken by branches and members, that impact APS Services, to ensure compliance and authenticity.
- Complies with all Bank Secrecy Act (BSA) rules and regulations, in addition to Customer Identification Program (CIP). Attends required annual BSA training and required compliance training.
- Assist with all other duties as assigned or identified.
Skills Required
- High school degree or equivalent
- Additional business training
- Minimum of 3 years' experience as a Deposit Operations Specialist or similar role (Teller, Member Services Representative)
- Minimum of 5 years credit union or financial services experience (understanding of products, policies, procedures, regulations)
- Basic understanding of accounting principles
- Strong proficiency in Microsoft Office and web-based applications
- Ability to operate office machines including PC, imaging systems, telephones, viewers, and printers
- Good communication and interpersonal skills
- Strong service-orientation and customer service skills
- Critical thinking and problem-solving skills
- Well organized, attentive to detail, multi-tasker, efficient
What We Do
Raiz Federal Credit Union is a not-for-profit financial institution based in El Paso, Texas. Founded in 1936 as the El Paso Area Teachers Federal Credit Union, it now serves over 78,000 members. Raiz provides a full range of high-quality financial services, guiding members from all walks of life toward their financial goals while strengthening the economic well-being of its community and uplifting underserved populations.
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