Redwood Credit Union is looking for an Electronic Services Specialist II, who will provide technical expertise in administration of payment and item processing for Redwood Credit Union. Under limited supervision, perform a wide variety of semi-routine accounting, regulatory compliance, clerical, product quality control and technical duties of moderate complexity. This intermediate level position is responsible for fraud prevention, recovery, and daily operations for area of responsibility.
Key Responsibilities
Member Service:
• Provide superior service that meets RCU Service Standards and Values to Members and team members of Redwood Credit Union.
• Responsible for one or two critical areas of payment processing.
• Manage and implement regulatory compliance for area of responsibility.
• Review, process exceptions in compliance with regulations, balance reports and create return files to the Federal Reserve Bank; work directly with FRB to resolve issues; move daily files for MDC/ATM, check inclearings, check and ACH exceptions and returns, ACH and RCUpay, in large sums of monies.
• Process Federal Reserve Bank adjustments and collections to minimize losses to the Credit Union and Members.
• Balance general ledgers and perform reconciliations.
• Monitor, research, and resolve ATM out of balance situations affecting deposits and Member disputes.
• Research, analyze, and resolve Members' problems or complaints with accurate information through verbal and/or written communication. Make recommendations and provide solutions.
• Monitor OPA (courtesy pay) system and daily processes to ensure compliance and Member service.
Department and Branch Support:
• Support and answer the Electronic Services phone que.
• Project support and implementation.
• Train branches and staff as needed in Electronic Services processes and procedures.
• Review processing solutions and make recommendations.
• Cross train in all Electronic Services areas to assist as back-up during vacation or illness.
• 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?
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27th largest credit union in the U.S. and the largest financial institution based in the North Bay
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Recognized by Newsweek as one of "America's Best Credit Unions 2026"
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Awarded a 5-Star Bauer Rating
• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"
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Top Corporate Philanthropists (#24) - San Francisco Business Times
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Voted Best Places to Work in the North Bay 20 years in a row
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World-class Employee Engagement scores
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Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
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Industry leading Net Promoter Scores across the U.S.
Minimum Qualifications - Knowledge, Skills and Abilities
- Thorough knowledge of a PC with the use of word processing and spreadsheet software.
- Intermediate 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.
- Intermediate knowledge in Federal Reserve Bank processing.
- Intermediate knowledge in detecting fraud and trends in multiple payment channels.
- Ability to analyze processes and recommend changes for efficiency; ability to propose solutions for implementation.
- Intermediate processing experience in at least one of the following areas, checks, ACH, RCUpay, Bill Pay, alternative payments, OPA (courtesy pay), ATM and MDC.
- Intermediate knowledge in Regulation CC and Regulation E.
- Ability to manage and direct payment and item processing channel.
- Ability to work successfully in a high volume, technically demanding job.
- Ability to work independently, is self-motivated and resourceful.
- Ability to accurately calculate interest and dividends and make mathematical computations.
- Ability to troubleshoot a wide variety of Member account discrepancies while being sensitive 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.
The ideal candidate has a combination of education and experience equivalent to an associate degree, with a minimum of three years’ experience in customer service, accounting, or closely related field. Prior experience at a financial institution is required, and knowledge of back-office item processing is preferred.
Compensation: Base salary range: $27.00 to $35.00 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
