_Northwest Community Credit Union believes in providing our employees an environment where they can flourish personally and professionally. We are proud that we have never lost sight of our founders' commitment to providing each individual, and our community, with uncommon care. Join a team with a rich heritage of serving our region for more than 70 years!
Northwest Community Credit Union serves members from offices in 14 locations across Oregon. _
Northwest Community Credit Union intends to merge with TwinStar Credit Union of Lacey, WA, effective June 12, 2023. We continue to hire for all posted positions while considering the needs of our combined future organization. We're eager to take advantage of the expanded opportunities for professional development and growth that the new organization can create, together.
Operational Analyst
Wage: $21.28 - $27.66 (dependent on knowledge, skills and abilities)
Position Primary Purpose:
Completes a variety of critical deposit operation processes and tasks related to ACH, wire transfers, check deposits and withdrawals, member transactions, and general accounting functions. Provides support to members, branches, and other departments by answering questions and researching and resolving inquiries and disputes.
Responsibilities:
Completes end-to-end ACH processing daily in accordance with required rules and regulations. Downloads incoming ACH files, completes processing jobs, reviews, analyzes, and decides to reject/un-post transactions.
Researches and resolves exceptions, processes death notification entries (DNE) and reclamations, and compiles and transmits ACH origination and return files. Responsible for file retention and reporting.
Reviews and processes member and internal incoming and outgoing wire transfers daily. Communicates with other financial institutions regarding wire disputes and requests. Identifies errors and guides branch staff on corrections to ensure wires are complete and accurate. Responsible for tracking and maintaining trending reports.
Analyzes Remote Deposit Check (RDC) images for accuracy and risk factors, including fraud detection and keying errors. Ensures deposited checks meet credit union RDC policy requirements. Decides if checks are to be paid or rejected per check rules and credit union policies and adjusts member accounts accordingly.
Reviews daily member check inclearings. Processes posting jobs in core software system; researches and resolves exceptions complying with check rules and regulations. Finalizes items to be paid or returned daily and collaborates with item processor to ensure returns are filed timely and per check rules.
Researches and processes returned deposited check items daily. Responsible for tracking and maintaining trending reports.
Analyzes reports and performs detailed research of payment related transactions. Makes necessary adjustments to member accounts and submits adjustments through check and card network platforms. Researches and resolves incoming adjustments from other financial institutions.
Collaborates closely with fraud and collection departments to identify and escalate potential fraud and other high risk transactions across all deposit operations channels. Makes decisions and recommendations using knowledge of rules and regulations governing payment systems.
Provides support to member facing teams by handling escalations, complicated research and error resolution, and answers difficult account questions for members and employees across all deposit operations channels.
Researches and resolves member check, ATM, ACH, and Remote Deposit disputes in accordance with applicable regulations. Tracks dispute progress and documents resolutions in dispute platform.
Notifies members and other financial institutions, in writing and by and other communications, regarding notification, escalation, or resolution of disputes.
Maintains knowledge and complies with Reg E, UCC 3 and 4, Reg CC, ECCHO rules, NACHA rules, Green Book, and all other applicable state and federal regulations in the processing of transactions and handling of exceptions, disputes, and adjustments.
Reviews and recommends updates for processes and procedures within the Accounting Department. Drafts new internal procedures as needed and looks for efficiencies within current practices.
Prepares and posts journal entries to the general ledger. Completes assigned monthly general ledger reconciliations.
All other duties as assigned.
Previous Experience:
Two (2) years of financial institution experience. Deposit operations experience preferred.
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Education:**
High School Diploma (GED equivalent) required. Associate Degree with a focus in Accounting or Business focus preferred. ACH Network and Check Network Certifications preferred.
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Demonstrated Abilities:**
Ability to collaborate positively and effectively with team and various departments, or work independently based on the needs of the department. Ability to present ideas in user-friendly language.
Ability to work accurately with figures, perform detailed work, and use highly confidential information with discretion.
Adapts to and embraces changes in organization, takes initiative to keep up with current processes, procedures and systems as needed.
Demonstrated knowledge and understanding of Reg E, UCC 3 and 4, Reg CC, ECCHO rules, NACHA rules, Green Book, and all other applicable laws.
Demonstrated knowledge of basic accounting principles, Excel knowledge and other accounting software.
Highly developed analytical and decision-making skills and problem-solving abilities, with keen attention to detail. Able to analyze processes and create and implement improvements for increased efficiencies.
Highly self-motivated and directed, takes ownership of assigned tasks, able to manage time effectively and successfully work independently and as a part of a team.
Maintains a high level of knowledge of various credit union platforms, programs, transactional and operational processes and procedures.
Maintains excellent oral, written, and interpersonal communication skills. Empathetic and tactful when working with staff and members.
Strong analytical and problem solving skills.
Benefits & Other Compensation:
Employees (and their eligible family members) are eligible to enroll in a generous benefits package including health, vision, dental, life and AD &D insurance. Employees will also receive company provided life, AD&D, and long-term disability coverage and after 60 days may participate in the company's 401(k) retirement plan where the company matches an employee's contributions at 150%, up to 5%, after one year of service. Additionally, employees will receive up to 11 paid holidays throughout the calendar year, a minimum of 12 days of paid time off (PTO) each calendar year, and 13 weeks of paid leave used when on an approved state or federal protected leave or in compliance with company policy.
The hired applicant will also be eligible for role specific variable compensation in accordance with the established plan documents.
Equal Opportunity Employer/Veterans/Disabled