Accountant - Member Service

FT Accountant - Member ServiceJob Req #1205

Salary Range:

$20.00 - $31.00 (depending on experience)MY Credit Union offers a comprehensive benefit package that includes: Medical, Dental, Vision, Life, STD, LTD, PTO, Tuition Reimbursement, 401(k)/Retirement Plan with up to a 6% matching contribution and Paid holidays.

JOB SUMMARY

Support the mission of the credit union by executing integrated accounting and paymentprocessing functions within the Accounting team. This role is responsible for daily member accounting operationsincluding ACH, wires, checks, and settlement activitiesas well as completing related general ledger reconciliations and providing crossfunctional support for core financial accounting processes. The position works in close partnership with Financial Accounting to ensure member activity, settlements, and financial reporting are accurate, timely, and compliant with strong internal controls. This role is also crosstrained to provide reliable backup for key Financial Accounting responsibilities, including reconciliations, monthend close processes, and audit preparation and support.

ESSENTIAL DUTIES & RESPONSIBILITIES

Member Account & Payments Operations:

Process, review, and balance incoming and outgoing ACH files, including origination, returns, notifications of change, sameday ACH, and exception handling and other ACH related duties.

Process and approve incoming and outgoing wire transfers in accordance with dualcontrol requirements. Perform OFAC screening, IAT processing, unauthorized debit handling (WSUD), stop payments, and transaction holds as required. Process legal and regulatory items including reclamations, levies, garnishments, subpoenas, summons, checks, and death notifications. Maintain required documentation, reports, and file retention related to ACH, checks, settlements, wires, and payment processing. Process, review, and balance check clearing activities, including share drafts, deposited items, cash letters, and returned checks.

Process check returns, adjustments, encoding corrections, and exception items in accordance with established procedures.

Perform daily check settlement activities and ensure proper posting to member accounts and the general ledger.

Research and resolve checkrelated discrepancies, outofbalance conditions, and posting errors.

Process stop payments, check holds, and other checkrelated controls as required.

Assist with check fraud detection, research, forgeries, and transaction investigations in coordination with internal teams.

Update and follow documented procedures; identify opportunities for process improvement and risk mitigation. Provide member and staff support related to payment and account activity, researching and correcting errors as needed.

Accounting & Reconciliation Responsibilities:

Perform daily and periodic reconciliations of settlement, suspense, and memberrelated general ledger accounts.

Identify, research, and resolve reconciling items in a timely manner, escalating unresolved issues appropriately.

Prepare and maintain daily settlement and activity reports used for general ledger posting and reconciliation.

Support monthend close activities related to member activity, ACH, wires, check activity, and payment settlements.

Partner with Financial Accounting to ensure member transactions are accurately reflected in financial statements.

Assist with audits, examinations, ACH risk assessments, check processing risk assessments, and internal control testing.

Cross Training & Backup Support:

Serve as a trained backup for Financial Accounting functions, including general ledger reconciliations, journal entry preparation, and monthend close support.

Participate in crosstraining to develop a working understanding of Financial Accounting systems, processes, and internal controls.

Provide coverage during vacations, absences, or peak periods to ensure continuity of accounting operations.

Support crossfunctional accounting projects as assigned.

OTHER DUTIES

Process check clearing, returns, adjustments, and related scanning activities as assigned.

Assist with fraud research, forgeries, and transaction investigations related to member accounts.

Assist with fraud research, forgeries, and transaction investigations related to member accounts.

Research and resolve member and staff inquiries related to checks, statements, and account activity.

Attend required training and maintain knowledge of applicable systems, regulations, and procedures.

Provide support across the Accounting department as needed to maintain operational continuity.

Other duties as assigned.

STANDARDS OF PERFORMANCE

Always convey a professional image by being respectful, courteous, and considerate of members, co-workers through verbal and non-verbal communications, adhering to

MY CREDIT

UNIONs dress code, and maintain a clean organized workspace.

Follow

MY CREDIT

UNIONs Harassment, Discrimination and Respectful Conduct Policy and the Fraud Policy/Code of Ethics Statement.

Complies with Bank Secrecy Act/Anti-Money Laundering/CIP (U.S. Patriot Act) procedures and policies.

Safeguard the confidentiality and security of member information and other sensitive data, in accordance with

MY CREDIT

UNIONs policies and procedures.

To remain compliant and enforces all other MY Credit Unions policies and proceduresBe an effective team member through cooperation, flexibility, dependability, attendance, lack of tardiness and participation at meetings and training.

Be an effective team member demonstrating the Member Advantage AIDINC process.

MINIMUM QUALIFICATIONS

Education:

High school diploma, GED, or equivalent required.

Associates degree or higher preferred.

Coursework in accounting, finance, or business is preferred.

Experience:

One year or more of experience in credit union, banking, accounting, or financial services operations preferred.

Experience with check processing, ACH reconciliations, or general ledger activity is a plus.

Credit Union experience preferred.

Other Required Knowledge, Skills, and Abilities:

Must be bondable and demonstrate a high level of integrity and trustworthiness.

Working knowledge of core processing systems and general ledger systems.

Willingness and ability to crosstrain in Financial Accounting functions, including reconciliations and monthend close activities.

Ability to understand and apply accounting concepts, internal controls, and documented procedures.

Strong analytical and problemsolving skills with the ability to research discrepancies and resolve issues independently.

High level of attention to detail and accuracy in a deadlinedriven environment.

Effective written and verbal communication skills, including the ability to work collaboratively across departments.

Proficient in Microsoft Office applications and general computer usage.

Bilingual skills helpful.

EQUIPMENT USED

Personal computer and standard office equipment.

Microsoft Office Suite (Excel, Word, Outlook).Core banking, general ledger, and payment processing systems.

Other financial, accounting, and reporting software as required.

MENTAL & PHYSICAL DEMANDS/WORKING CONDITIONS

Mental Effort:

Ability to manage multiple priorities and deadlines in a detailoriented, deadlinedriven environment.

Ability to exercise sound judgment and maintain a professional demeanor in timesensitive or highrisk situations.

Physical Requirements:

Ability to perform essential job functions primarily in an office environment.

Ability to sit or stand for extended periods; use hands and fingers to operate a computer keyboard, mouse, and standard office equipment; and communicate effectively.

Ability to occasionally lift and move materials weighing up to 35 pounds.

Working Conditions:

Work is primarily performed in an office environment with standard business hours.

Periodic overtime may be required during monthend close, audits, or peak processing periods.

Flexibility in scheduling may be required to support operational coverage or special projects.

Occasional travel between Credit Union locations may be required.

Disclaimer:

This position description is intended to describe the general nature and level of work being performed by the person assigned to this position. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job. Employees holding this position will be required to perform any other position related duties as required by management. Individuals with disabilities will not be disqualified because of their inability to perform nonessential or marginal functions of the job. No selection criteria that screen out or tend to screen individuals with disabilities will be used by the credit union. The credit union will provide reasonable accommodations to assist individuals with disabilities based on guidelines within the Americans with Disabilities Act.

MY CREDIT UNION

is an EOE/Minorities, Women, Veterans, Disabilities.