Electronic Services Specialist III
Company: Redwood Credit Union
Location: Napa
Posted on: February 17, 2026
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Job Description:
Job Description Job Description Redwood Credit Union is seeking
an Electronic Services Specialist III, who will provide technical
expertise in administering payment and item processing for Redwood
Credit Union. Under minimal supervision, perform a wide variety of
semi-routine accounting, regulatory compliance and implementation,
clerical, product development and quality control duties of
moderate complexity using advanced knowledge in fraud detection,
prevention, and recovery. This senior level position is responsible
to lead the day-to-day functions for multiple areas of
responsibility, and provide direction, training, support, and
mentorship to junior team members. Key Responsibilities Member
Service: o Provide superior service that meets RCU Service
Standards and Values to Members and team members of Redwood Credit
Union. o Responsible for at least two critical areas of payment or
item processing for ACH, RCUpay, Bill Pay, Image Center system,
Business online deposit, Lockbox, alternative payments, and MDC
Risk. o Research, recommend and implement new products and
services. o Research and resolve Member escalations, problems, or
complaints. Respond with accurate information through verbal and/or
written communication. o Resolve errors, fraud or disputes relating
to Check, ACH, RCUpay and Bill Pay processing. o Provide analysis,
guidance and direction for fraud detection, prevention, and
recovery in multiple payment channels. o Investigate Member
fraud/dispute claims. Work with other institutions to recover and
mitigate fraud losses on behalf of Members and the Credit Union. o
Work with IT to resolve system issues, outages, payment file issues
and delays. Balance general ledgers and perform reconciliations. o
Coordinate and manage workflow for area. o Manage and implement
regulatory compliance for area of responsibility. o Manage and
direct payment and item processing channel improvements and growth.
Department & Branch Support: o Support and answer the Electronic
Services phone que. o Project support and implementation. o Create
and maintain training manuals, knowledge base articles for team,
Members, and other departments. o Support lead in project testing
and analysis to ensure delivery of quality Member experiences. o
Propose system changes and makes recommendations o Stay current and
aware of industry and regulation changes impacting areas of
expertise. o Train branches and staff as needed in Electronic
Services processes and procedures. o Cross train in all Electronic
Services areas to assist during vacation or illness. o 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? • 27th largest credit union in the U.S. and
the largest financial institution based in the North Bay • Awarded
a 5-Star Rating based on 6/30/24 financial data by Bauer Financial
• Recognized by Newsweek as one of "America's Greatest Midsize
Workplaces 2025" • Recognized by Newsweek as one of "America's Best
Credit Unions 2026" • Top Corporate Philanthropists (24) - San
Francisco Business Times • Voted Best Places to Work in the North
Bay 20 years in a row • World-class Employee Engagement scores •
Rated Superior in Service by more than 90% of Members, surveyed by
SF Gate • Industry leading Net Promoter Scores across the U.S.
Minimum Qualification: Knowledge, Skills and Abilities Excellent
analytical, critical thinking and process workflow skills. Ability
to analyze data, trends, make recommendations and offer solutions.
Ability to make sound judgments and decisions for areas of
responsibility. Proficient knowledge of a PC with the use of word
processing and spreadsheet software. Advanced 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. Expert knowledge and compliance
regulations in ACH, Bill Pay & Payments, check image exchange and
systems, OPA (courtesy pay) and MDC risk. Advanced processing
experience and management in the following areas, ACH, Bill Pay and
Payment systems. Advanced knowledge in Regulation CC, Uniform
Commercial Code, and Regulation E. Ability to work successfully in
a high volume, technically demanding job. Ability to work
independently, is self-motivated and resourceful. Ability to
oversee work processes and provide guidance and mentorship to
junior team members. Ability to accurately calculate interest and
dividends and make mathematical computations. Ability to
troubleshoot a wide variety of member account discrepancies while
being sensitive to Member issues, confidentiality, and discretion.
Excellent communication and interpersonal skills 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 five years of
experience in customer service, accounting, or closely related
field. Prior experience at a financial institution is required, and
experience in item or payment processing functions is preferred.
Compensation: Base starting range: $29.00 to $39.00 hourly
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, reach overhead, 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 We may use artificial
intelligence (AI) tools to support parts of the hiring process,
such as reviewing applications, analyzing resumes, or assessing
responses. These tools assist our recruitment team but do not
replace human judgment. Final hiring decisions are ultimately made
by humans. If you would like more information about how your data
is processed, please contact us at careers@redwoodcu.org.
Keywords: Redwood Credit Union, Concord , Electronic Services Specialist III, Accounting, Auditing , Napa, California
