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Title

Operations Representative 

EOE StatementWe are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.
 
Description

Job Description

Job Title: Operations Representative

Department: Operations Department

Reports to: Accounting Operations Manager

FLSA Status: Non-Exempt

Summary:

Individuals in the job are responsible for assisting Tropical Financial Credit Union in the achievement of its purpose of guiding members successfully through the financial marketplace. This position is responsible for daily management and posting of all mail correspondence as follows: deposits, transfers, adjustments and loan payments. Also included in the handling of all applications received by mail to include: Cross-Account transfers, Stop payments, Check orders, Address changes, Escheat account compliance and all other correspondence that require Spectrum processing. In addition, this position supports the research function for Tropical Financial Credit Union and that all requests for information are fulfilled in a timely manner.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

SPECIAL ACCOUNTS

  • Provides member assistance with IRA, CDs and HSA's. Processes initiation, withdrawals, transfers, and deposits of member IRA accounts. Reviews qualified plan documentation to support IRA rollover eligibility compliance. Calculates and processes Certificate of Deposit (CD) redemptions. Prepares and mails disclosure statements. Keeps updated files on all related accounts.
  • Keeps abreast of IRA, CD and HSA regulatory updates. Conducts in-house special account seminars for Tropical Financial Credit Union staff. Prepares and distributes IRA updated material for the procedures and policy manual. Administers mandatory fund distribution requirements and tracking system as required by IRS regulations. Monitors and corresponds with members, data processing vendor, IRS, and others to comply with reporting regulators.
  • Audits IRA branch work.
  • Processes mail on a daily basis for all special accounts. Maintains pending files for upcoming maturities and sends forms for changes and receipts.
  • Maintains IRA database; updates system with payroll deductions, etc. Posts IRA and CD purchases, redemptions and other associated transactions to the database. Reviews the data-base systems and authorizes corrections and adjustments as needed.
  • Participates in special account promotions.

OPERATIONS

  • WireXchange - call back verification and all areas of wire transfers
  • Prepares Bonds received from all the branches; verify the information noted on each bond, sort bonds by branch and prepares for deposit to SunTrust.
  • Complete the Five (5) Year Monthly Escheat Reporting
  • Processes incoming mail requests for Closed and Dormant Accounts
  • Dormant Flag removals from branches.
  • Maintain a log of all returned Debit/ATM cards. Mail requests from e-services department on returned Debit/ATM cards and records appropriately on member dairy.
  • Process daily share draft exceptions return report.
  • Verification of daily share draft file.

BACK UP

  • Post of all member mail (Branch Suite or Core System) which includes deposits, transfers, and loan payments and comply with fraud preventive measures.
  • Loan Servicing department (post Insurance claims to the general ledger, loan payoffs to members account and provide copies of all documents received for such payments), and
  • E-services department (post adjustments to members account for all related TFCU credit card disputes),
  • The Finance department (all general ledger check deposits and members account adjustments).
  • Reconciles and balances assigned drawer.
  • Mortgage Department (post all daily transactions to the general ledger and members including closing proceeds, appraisal fees, funds wire exchange account for outgoing wires for scheduled mortgage closings),
  • Balances transactions against computer totals. Maintains security of all mail daily work. Balance teller drawer.
  • Support in the download Federal Reserve Bank Automated Clearing House (ACH) files to be posted to members account
  • Support in the upload the Federal Reserve Bank website; ACH returns and origination, accounts payable and CU employee payroll files.
  • Support in the upload ACH files to Verafin Network for Security Dept. to review all incoming ACH transactions to comply with OFAC regulations.
  • Support in processing daily return checks report.
  • Support in contacting members regarding return item (NSF checks) discrepancies, errors, elicit information and resolution of problems.
  • Support in processing address changes and complies with established guidelines
  • Support in processing all mail check orders received from members.
  • Support in processing all Verification of Deposits for member deposit products.
  • Supports in the verification of all Mobile Capture and ATM image approval of checks, which includes verification, approving, adjusting or returning checks to members and adjusting their accounts accordingly.
  • Supports in processing all return mail; update the core system with bad address flag.
  • Support with all research requests from internal or external sources, which include providing copies of checks, statements, and responses to subpoenas via correspondence
  • An individual in this position is required to interact regularly with all credit union employees and external insurance vendors; therefore outstanding interpersonal skills are a must.

Compliance:

  • BSA Compliance - every employee is required to uphold the credit union's compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions within TFCU will take into consideration the awareness of unusual or suspicious activity that is relevant to the department.
  • In addition to any other assigned training courses, online BSA and OFAC courses must be completed at least annually, as made available by the Training and/or Compliance Departments.
  • Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending, and Credit Card Act.
  • Comply with all TFCU policies and procedures to ensure compliance with such regulations.
  • Provide service that meets the Service Standards defined by Tropical Financial Credit Union and achieve annual goals that are established through the Performance Management Process.
  • An individual in this position is required to communicate and interact regularly with all credit union employees, members, and external vendors; therefore outstanding interpersonal and teamwork skills are a must.
  • Performs other duties as required with or without accommodation.

 
Position Requirements

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

  • High school diploma or general education (GED).
  • Bachelor’s degree preferred.
  • Three to five years of finance and accounting operations experience in a financial institution.
  • Ability to read and interpret documents such as the Product & Services Manual, etc. (safety rules, operating and

maintenance instructions) and procedure manuals.

  • Must have a strong working knowledge of credit union/banking concepts, practices, procedures and relevant systems.
  • Familiarity with Spectrum/Branch Suite systems preferred.
  • Must have strong written and verbal communication skills.
  • Proven excellent interpersonal skills when communicating with Members and employees and must be a team player.
  • Ability to research, gathers information, analyze and write routine reports and correspondence.
  • Ability to meet deadlines in an organized and timely fashion.
  • Ability to work independently with minimal supervision and to multi-task in a fast paced dynamic work environment.
  • Must be a self-starter and must have a flexible work schedule to complete daily work volume.
  • Knowledge of MS Office programs: Excel, Word, PowerPoint and Outlook

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, sit and use hands to handle or touch. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 
Full-Time/Part-Time Full-Time  
Exempt/Non-Exempt Non-Exempt  
Location Miramar, FL  
About the Organization Tropical is a not-for-profit, member-owned and member operated financial cooperative, serving South Florida since 1935. We operate a fun, and family-oriented work environment where every employee has the opportunity to learn and grow in their career and move up within the organization. It's an organization that values your contributions and rewards you for your performance. TFCU has proven to be an organization that is dedicated not only to TFCU's success, but the success of its employees and the financial success of our members.  

This position is currently accepting applications.

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