Electronic Services Specialist III

Job Description

Job Description

Redwood Credit Union is seeking an Electronic Services Specialist III, who will provide technical expertise in administering payment and item processing for Redwood Credit Union. Under minimal supervision, perform a wide variety of semi-routine accounting, regulatory compliance and implementation, clerical, product development and quality control duties of moderate complexity using advanced knowledge in fraud detection, prevention, and recovery. This senior level position is responsible to lead the day-to-day functions for multiple areas of responsibility, and provide direction, training, support, and mentorship to junior team members.

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 Responsible for at least two critical areas of payment or item processing for ACH, RCUpay, Bill Pay, Image Center system, Business online deposit, Lockbox, alternative payments, and MDC Risk.

o Research, recommend and implement new products and services.

o Research and resolve Member escalations, problems, or complaints. Respond with accurate information through verbal and / or written communication.

o Resolve errors, fraud or disputes relating to Check, ACH, RCUpay and Bill Pay processing.

o Provide analysis, guidance and direction for fraud detection, prevention, and recovery in multiple payment channels.

o Investigate Member fraud / dispute claims. Work with other institutions to recover and mitigate fraud losses on behalf of Members and the Credit Union.

o Work with IT to resolve system issues, outages, payment file issues and delays. Balance general ledgers and perform reconciliations.

o Coordinate and manage workflow for area.

o Manage and implement regulatory compliance for area of responsibility.

o Manage and direct payment and item processing channel improvements and growth.

Department & Branch Support :

o Support and answer the Electronic Services phone que.

o Project support and implementation.

o Create and maintain training manuals, knowledge base articles for team, Members, and other departments.

o Support lead in project testing and analysis to ensure delivery of quality Member experiences.

o Propose system changes and makes recommendations

o Stay current and aware of industry and regulation changes impacting areas of expertise.

o Train branches and staff as needed in Electronic Services processes and procedures.

o Cross train in all Electronic Services areas to assist during vacation or illness.

o Compile monthly status report, general ledger reconciliations and board reports.

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?

• 29th largest credit union in the U.S. and the largest financial institution based in the North Bay
• Awarded a 5-Star Rating based on 6 / 30 / 24 financial data by Bauer Financial
• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"
• Recognized by Newsweek as one of "America's Best Credit Unions 2024"
• Recognized by Forbes as one of “America’s Best Small Employers 2023"
• 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 Qualification : Knowledge, Skills and Abilities

The ideal candidate has a combination of education and experience equivalent to an associate degree, with a minimum of five years of experience in customer service, accounting, or closely related field. Prior experience at a financial institution is required, and experience in item or payment processing functions is preferred.

Compensation :  Base starting range : $29.00 to $39.00 hourly 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 :

RCU Discounts and Perks :

Physical Requirements :

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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us at careers@redwoodcu.org.