Credit Clerk jobs in Escondido, CA

Overview

The Electronic Funds Transfer Clerk, is responsible for performing various functions of ACH, Bank Wires, Check processing (Outgoing, Incoming, Clearing of On Us) and Home Banking (P2P & External transfers). Responsible to uphold and abide by Frontwave Credit Union’s core values and service expectations.

About Frontwave Credit Union:

Frontwave Credit Union is a member-owned not-for-profit financial institution serving San Diego, Riverside, and San Bernardino counties. Founded in 1952, we have grown to 13 branches with 120,000 members and manage over a billion in assets. At Frontwave Credit Union, we are focused on creating consumer solutions to provide our members and the communities we serve with products and services that enhance the quality of life for our members through exceptional service and the progressive application of technology.

What’s In It For You:Competitive pay, 401k matching, mortgage and auto discounts.9-27 days of PTO per year (based on tenure) and 10 paid holidays.Affordable medical, dental, vision health plans, and Flexible Spending Account.Employee Assistance Program with a variety of services.Career development, training, and coaching, mentoring; tuition reimbursement up to $4,000/year.Culture of excellence and continuous improvement.We strive to be the best place you’ve ever worked!

Responsibilities

Essential Duties and Responsibilities:

Includes the following non-inclusive list. Other duties may be assigned. All duties are to be performed in compliance with applicable laws, regulations and Credit Union policies and procedures.

Checks Processing – (FedForward, FedReceipt)

• Balance all outgoing Checks/Bonds to FED and process any exceptions/discrepancies
• Review and processes all incoming ON-US items from FED and return rejected items to FED next day
• Review large ATM check deposits for Frontwave and non-Frontwave ATMs
• Validate automated processing for ON-US & RDC includes adjustment on member accounts
• Process Check Return file from FED includes mailing letter w/IRD (Image Replacement Document) to member
• Process incoming and outgoing adjustments of checks and bonds through Fedline
• Process and balance incoming and outgoing check adjustments for the CoOp/Share Branching Network
• Review and process all Loan and Visa coupon payments and Bill Pay through Lockbox
• Process Fraud Checks and Late Check Returns Received
• Process Stale Dated Cashier Checks

ACH Processing

• Review, process & balance all ACH credit/debit exceptions in our core system
• Process ACH Stop Payments
• Review and process ACH returns from Originations/Alkami
• Process Online Membership funding received through ACH
• Review and submit ACH Return files to FED

Bank Wires

• Process outgoing and incoming wires in wireXchange
• Act as second verifier for Over the Limit wires, Visa Draw Down, and Fraud Review wires  

Other EFT Related Functions

• Balance EFT General Ledges and submit end of the month RECON
• Balance Mobile Deposits (Remote Deposit Capture)
• Review P2P return credit exceptions
• Review and process external Alkami transfers to FED
• Generate and upload ACH Origination & Loan Pro files to FED
• Update and develop departmental desktop procedures
• Communicate with front and back office staff and other financial institutions.
• Participates in training as scheduled by the EFT Supervisor
• Assist in any EFT Audits conducted by external and internal auditors
• Assists with the training and mentoring of other Electronic Funds Transfer personnel
• Serves as back-up to the team when needed
• Responsible for related duties as required or assigned 

Qualifications

Education and /or Experience:

High School Diploma or general education degree (GED). 

Previous office experience is preferred however is not required as this is an entry level position.

The right candidate will be someone who’s driven, hardworking and learns quickly.

Salary Range:  $18.82-$ 28.23

Service Excellence Standards