Consumer Membership Specialist

Consumer Membership Specialist America's Christian Credit Union Glendora, CA Job Details Full-time $21.57 - $32.35 an hour 2 hours ago Benefits Health insurance Dental insurance 401(k) Flexible spending account Paid time off Employee assistance program Vision insurance 401(k) matching Life insurance Qualifications Authentication High school diploma or GED Financial services

Full Job Description Purpose:

The Consumer Membership Specialist is responsible for evaluating and making decisions on all new online consumer membership applications. This role focuses on evaluating applications for accuracy, eligibility, and potential risk, including fraud indicators, and approving or denying memberships in accordance with credit union policies. This position ensures all accounts are properly established, while maintaining strict adherence to regulatory and security requirements.

Major Duties and Responsibilities:

Membership Application Review & Decisioning:

Review online consumer membership applications for completeness, accuracy, and eligibility. Approve or deny memberships based on established policies, procedures, and risk criteria. Ensure timely processing of applications to meet service level expectations. Identify exceptions or high-risk applications and escalate as appropriate. Fraud Detection & Risk Assessment Evaluate applications for potential fraud indicators, suspicious activity, or identify discrepancies. Perform identity verification and ensure all required documentation is properly validated. Escalate suspected fraud cases in accordance with internal procedures. Maintain awareness of fraud trends and apply appropriate controls during the review process. Compliance & Documentation Ensure all membership decisions and account setups comply with regulatory requirements (BSA, CIP, OFAC, AML). Maintain accurate and complete documentation of applications, decisions, and supporting materials. Adhere to internal controls, audit standards, and security procedures. Protect sensitive member and organizational information at all times. Operational Efficiency & Quality Control Maintain productivity standards while ensuring a high level of accuracy in all decisions and processing. Monitor and ensure quality control of memberships opened, including proper documentation and system setup. Identify application trends, errors, or inefficiencies and recommend process improvements. Administrative Responsibilities Track application volume, decision turnaround times, and processing metrics. Assist with reporting, audits, and internal reviews. Perform other duties as assigned.

Qualifications and Educational Requirements:

High School Diploma required Minimum of 1-3 years of financial services experience, preferably in new accounts or operations Experience in account review, fraud detection, or application decisioning preferred Knowledge of identity verification processes and regulatory requirements Strong critical thinking and problem-solving skills

Pay Scale:

Our pay ranges are built to allow for candidates with various levels of skills and experience to be considered, as well as to allow room for growth and tenure achieved in this role over time. Typically, new hire salary offers fall within the minimum to midpoint of a pay range for many candidates. Any offer extended to a candidate will be based upon their unique set of knowledge, skills, education, and experience, as well as internal equity.

Pay:

$21.57 - $32.35 per hour

Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Life insurance Paid time off Vision insurance

Work Location:

In person