Financial Service Representative – Online Functions Position Available In Richland, South Carolina

## OverviewThe

• Financial Service Representative, Online Functions
• is primarily responsible for member correspondence received through Online Banking, including, but not limited to, card and account inquiries, card disputes, travel notices, Overdraft Privilege opt-in requests, and stop payments.

Additionally, this role serves as a back-up for all things (ODP) Overdraft Privilege. The associate ensures that all tasks are performed with accuracy, attention to detail, and in compliance with regulatory standards.## Responsibilities

• Member Assistance and Support:

  Provide timely, efficient, and courteous service to members and branch associates while maintaining a high standard of professionalism. Conduct any necessary research to resolve member issues effectively, ensuring high satisfaction and trust

• Dispute Management:

  Assist in the submission of incoming member disputes in a timely manner; ensuring credit union compliance with industry standards

• Compliance and Regulatory Awareness:

  Maintain a strong understanding of the Electronic Funds Transfer Act (Regulation E), Visa requirements for Consumer Liability for Unauthorized Transactions, and Error Resolution processes. Regularly review and stay up-to-date on regulations, ensuring the departments processes comply with legal standards

• Overdraft Privilege Program:

  Maintain a high-level working knowledge of all responsibilities to effectively work the tasks associated with ODP to enable completing all functions in a back-up capacity

• Procedure Review and Improvement:

  Actively contribute to improving the efficiency of desk duties, ensuring that all department processes align with best practices to meet current and future needs

• Communication and Coordination:

  Maintain regular communication with members and other departments through telephone, email and any other correspondence tools provided by the credit union; responding promptly to inquiries and resolving issues related to departmental responsibilities. Ensure clear, concise, and accurate information is provided in all correspondence

• Cross-Functional Knowledge and Responsiveness:

  Maintain a working knowledge of all relevant functions within the Financial Operations Department, including Fair Debt Collection Practices, credit union policies, and procedures, while responding to incoming phone calls in a knowledgeable and helpful manner

• General Departmental Support:

  Perform any other tasks or projects assigned by management, ensuring all duties are completed accurately, within specified deadlines, and in alignment with the organizations strategic objectives.## Qualifications

• A high school diploma or equivalent is required. Additional certifications or training in banking, finance, or related fields are preferred
• 2+ years of experience in a credit union or retail banking environment, with a focus on dispute resolution, fraud detection, or similar financial services is preferred
• Ability to independently conduct research on accounts, transactions, or inquiries, and provide clear summaries and actionable recommendations
• Excellent verbal and written communication skills are essential to effectively interact with members and fellow associates. Ability to explain complex account related information in a clear concise, and professional manner
• Detail-oriented and highly organized with the ability to manage multiple tasks simultaneously. Must be able to prioritize effectively and meet deadlines without compromising accuracy
• Proficient in Microsoft Excel, Word, and other office software. Experience with fraud detection software and online banking tools is a plus
• Willingness to participate in ongoing product, process, and policy training to stay current with industry changes. Ability to adapt to new tools and methods as the financial landscape e olves
• Ability to perform in a fast-paced environment, maintaining accuracy and professionalism while meeting individual and department deadlines.

Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities.