The Role
Perform entry-level electronic services and payment processing duties including mobile deposit, ATM and check image review, ACH and lockbox processing, fraud monitoring and account restrictions, reconciliations, posting and adjustments, payroll exception coordination, member problem resolution, and departmental phone and clerical support.
Summary Generated by Built In
Redwood Credit Union is looking for an Electronic Services Specialist I, who will be responsible for performing a variety of processing duties within the Electronic Services Department. This entry level position supports the Electronic Services team with semi-routine items and payment processing for Mobile deposit, ATM, fraud review, accounting, and clerical functions.
Key Responsibilities
Member Service:
o Provide superior service that meets RCU Service Standards and Values to Members and team members of Redwood Credit Union.
o Provide general support processing for check and ACH processing.
o Monitor and analyze high risk transactions and alerts to prevent fraud in MDC and ATM deposit channels.
o Make effective decisions to restrict accounts as needed to prevent fraud and losses to the Credit Union.
o Analyze check deposit trends and patterns to provide better Member experiences.
o Perform detailed review of check image processing, corrections, and adjustments.
o Analyze ACH mismatch report and appropriately block unauthorized transactions.
o Support, balance and reconcile Lockbox processing and payment corrections.
o Accurately process sensitive financial transactions for accounting department, payroll, wires, and GL entries.
o Process corrections and adjustments to accounts and loans.
o Coordinate and balance exception payrolls with employers. Monitor payroll calendar and work with employers to resolve issues or delays.
o Process foreign collections and exchange rate conversions.
o Research and resolve Members' problems and complaints.
o Provide problem resolution and direction to other departments and branches regarding Member inquires, concerns and issues.
o Post, balance, and maintain daily work with proper documentation.
o Scan Electronic Services forms and documents for long-term retention.
o Process Electronic Services mail and supply orders.
o Maintain and destroy branch capture checks for RCU.
Department and Branch Support:
o Support and answer the Electronic Services phone que.
o Assist with projects.
o Cross train in Electronic Services department to provide phone support to Members and Branches. Assist as back-up during vacation or illness when needed.
o Train branches and staff as needed in Electronic Services processes and procedures.
Join us and discover why you'll love working at Redwood Credit Union!
ABOUT REDWOOD CREDIT UNION (RCU):
At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.
As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.
Why work for Redwood Credit Union?
• 27th largest credit union in the U.S. and the largest financial institution based in the North Bay
• Recognized by Newsweek as one of "America's Best Credit Unions 2026"
• Awarded a 5-Star Bauer Rating
• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"
• Top Corporate Philanthropists (#24) - San Francisco Business Times
• Voted Best Places to Work in the North Bay 20 years in a row
• World-class Employee Engagement scores
• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
• Industry leading Net Promoter Scores across the U.S.
Minimum Qualifications - Knowledge, Skills and Abilities
- Knowledge of a PC with the use of word processing and spreadsheet software.
- Basic knowledge of financial services, with the ability to understand the implications of Credit Union industry and regulations, terminology, and procedures and how to apply them.
- Basic processing knowledge of checks, ACH, bill pay and MDC.
- Responsible for understanding and complying with Regulation CC and BSA.
- Ability to independently detect at-risk transactions and accounts.
- Ability to make sound judgments to prevent losses to Credit Union.
- Ability to analyze processes and recommend changes for efficiency and service.
- Ability to work independently in a fast-paced and high-volume environment.
- Ability to accurately calculate interest and dividends and make mathematical computations.
- Ability to troubleshoot a wide variety of Member account discrepancies while being sensitive to Member issues, confidentiality, and discretion.
- Ability to communicate effectively both verbally and in writing.
- Ability to establish and maintain effective working relationships with a diverse group of people.
- Ability to work a rotating schedule which will include working on rotating Saturdays.
This is a full-time, onsite position supporting daily mail and vault operations. Duties include physical activity such as lifting and using a ladder for check vault responsibilities.
The ideal candidate has a combination of education and experience equivalent to a high school diploma. One year experience in customer service, accounting or closely related field with knowledge of Branch or back-offices functions is preferred. Experience at a financial institution is required.
Compensation: Base salary range: $24.00 to $31.00 per hour commensurate with experience.
Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.
Redwood Credit Union offers a robust benefits package to our eligible employees including:
• Competitive medical, dental, and vision insurance, mental health offerings
• Employee performance incentive plan
• Salary Advancement– Merit increase based on performance
• 401(k) program with employer match
• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!
RCU Discounts and Perks:
• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
• RCU employees are eligible for a 1% discount on all recreational or boat loan products
• 2% discount off Visas and LOC Loans through RCU
• 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.
• 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.
• 0% interest on garment, fitness, or home office equipment loan of up to $500
• 100% financing for employee purchased homes!
Physical Requirements:
• Ability to stand, bend, stoop, sit, walk, twist, and turn.
• Ability to lift up to 40 pounds.
• Ability to use a computer keyboard and calculator.
• Work environment is indoors; majority of the time is spent sitting at a desk.
*Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.
Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET.
We are an Equal Opportunity Employer
Skills Required
- Experience at a financial institution
- Knowledge of a PC with the use of word processing and spreadsheet software
- Basic processing knowledge of checks, ACH, bill pay and Mobile Deposit Capture (MDC)
- Understanding and complying with Regulation CC and BSA
- Ability to detect at-risk transactions and make sound judgments to prevent losses
- Ability to analyze processes and recommend changes for efficiency and service
- Ability to communicate effectively both verbally and in writing
- Ability to work a rotating schedule including rotating Saturdays
- Ability to lift up to 40 pounds and perform vault/check storage duties (use ladder)
- One year experience in customer service, accounting or closely related field with knowledge of branch or back-office functions
- Combination of education and experience equivalent to a high school diploma
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The Company
What We Do
Redwood Credit Union is a full-service financial cooperative, assisting consumers and small business owners with achieving their financial goals and dreams since 1950. We’re a financial cooperative that truly cares about the financial goals and dreams of those who do business with us. With a wide variety of products and services designed to meet our Members’ financial needs, there’s something for everyone. And each Member actually owns part of the Credit Union and has a voice in what we do and how we do it. An excellent place to work, RCU was recently recognized by Forbes as one of “America’s Best Small Employers 2023.” And for 17 years running, we’ve been awarded Best Places to Work by the North Bay Business Journal. We continue today to build upon a solid philosophical and business foundation—treating Members with respect and personal care while offering unbeatable value. Federally insured by NCUA. Equal housing lender. *** Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA www.finra.org /SIPC www.sipc.org ) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Redwood Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Investment representatives at Redwood Credit Union are licensed to transact securities business in CA. For more information concerning CFS or its representative(s) associated with this site, please review FINRA Broker Check by accessing the following link and typing in the firm / representative information in the search field. http://brokercheck.finra.org/Search/Search.aspx
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