• Deposit Operations Specialist- San Diego

    Job Locations US-CA-San Diego | US
    Req No.
    Deposit Operations
    Regular Full-Time
    Hours Per Week
    Monday-Friday, (8:30 a.m. to 5:00 p.m.)
  • Overview

    Under general supervision, performs tasks related to back office check & deposit processing.

    Provides branch support and handles member calls related to department tasks. Provides exceptional member service to both internal customers and Credit Union members. Adheres to regulatory rules and CCU policies and procedures. Performs other duties as assigned.



    General Tasks

    • Opens and processes member mail and responds to member mail requests.
    • Monitors reports, correcting problems and reporting pattern to management. 

    Check Processing

    • Posts member transactions received by mail, lockbox, employee drop box, and SEG payroll.
    • Corrects Load Errors for inclearings, adjusting account numbers/check numbers for proper posting. Modifies information with Catalyst for proper future retrieval. Mails letter to member to correct account number.
    • Monitors Duplicate Check report to return items for duplicate presentment within the midnight deadline
    • Processes foreign collections items.
    • Monitors/Adjusts inclearing return reasons assuring appropriate codes are used. Makes manual adjustments with Catalyst as needed before established deadline.
    • Researches and corrects encoding error and deposit adjustment requests.
    • Verifies member’s signature on checks written that meet the “high dollar” threshold within established authority limits. Obtains supervisor review of items above the established limit.
    • Performs detailed high dollar HELOC check review to verify the item was authorized by the member within established authority limits. Obtains supervisor review of items above established limit.
    • Reviews rejected Credit Union Cashier’s Checks to determine if they are fictitious. Sends returns through Catalyst or posts check as appropriate.
    • Posts & balances Returned Deposited Items and reviews accounts for potential fraud.
    • Works exception item reports for pay / no-pay decisions. (NSF/UCF, Stop payment suspect, lockout flags)
    • Researches and prepares Affidavit of Forgery claims. Processes approved returns.
    • Monitors and acts on early warning return reports to prevent losses for potential returned deposited items
    • Reviews Credit Union Check stop payment requests; determines proper authorization was obtained; places stop payment and disburses funds as designated on the form

     Secondary Accountabilities


    General Tasks:

    • Researches and resolves consumer account problems including correspondence
    • Processes member mail and telephone requests for account changes
    • Calculates and processes dividend adjustments
    • Reviews consumer account statements for accuracy before vendor processing
    • Provides technical phone support and guidance to branch staff relating to fiduciary, IRA, & HSA accounts, death claims, and other department related tasks
    • Assists members by phone and mail for fiduciary accounts, IRAs, HSAs and department functions
    • Verification of Deposit ¾ Verifies member authorization for release information and completes response and sends to requesting agency.
    • Complies with BSA requirements as commensurate with position.
    • Performs other duties as assigned.


    Death Claims:

    • Places the proper restrictions on member accounts to protect decedent assets.
    • Researches account vesting and beneficiary information for account settlement.
    • Assist with gathering proper documentation to settle accounts.


    Member Account Levies:

    • Organizes levies for processing.
    • Performs inquiry for consumer levies to determine if debtor has a Credit Union account.
    • Processes responses for account not found.


    Position Requirement and Qualifications:

    Excellent attention to detail, analysis, problem-solving, teamwork, time management, and member/customer service.  Must be able to use PC programs and applications, such as Microsoft Office Suite or equivalent.  Able to use member transactional and related system, such as DNA or equivalent.


    Knowledge, Education, Certifications, Licenses:

    • High School diploma or equivalent. Some college coursework preferred.
    • Working knowledge of relevant computer applications and systems.
    •  Strong knowledge of check transaction processing.


    • Requires three years of teller/check-processing experience in a comparable environment to gain the knowledge, skills and abilities to handle all aspects of the position.
    • Some new accounts experience preferred.


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