Electronic Services Specialist II

Title: Electronic Services Specialist II
FLSA Status: Non-Exempt
Location: Corporate Office (Foothill Ranch, CA 92610) On-site

Pay Range: $26.00 - $30.00 an hour

Position Summary

The Electronic Services Specialist II is responsible for performing advanced electronic services processing, investigations, and reconciliation activities that support the operational integrity of Eagle Community Credit Union. This role plays a key part in protecting the organization from risk while ensuring accurate and efficient handling of complex transactions.

In addition to processing, this position handles escalated issues, investigates suspicious or unusual account activity, and processes fraud-related claims of moderate complexity. The role regularly collaborates with internal teams, financial institutions, and external partners to resolve issues and ensure compliance with regulatory and internal standards.

The Specialist II is expected to work independently, exercise sound judgment, and take ownership of issues from identification through resolution. This role also supports the team by providing guidance to less experienced staff and identifying opportunities to improve processes, strengthen controls, and reduce operational risk.

Success in this position requires strong analytical skills, attention to detail, and the ability to balance risk management with a positive member experience, all while consistently demonstrating Eagle Community Credit Union’s ICARE values.

Essential Duties & Responsibilities

• Perform advanced processing for ACH, wires, mobile deposits, disputes, and transfers
• Investigate suspicious activity and process fraud claims of moderate complexity
• Reconcile accounts and resolve complex discrepancies
• Manage escalated issues from branches and departments
• Coordinate with financial institutions and external partners
• Ensure compliance with policies and audit requirements
• Identify trends and recommend process improvements
• Provide guidance and support to Level I staff
• Manage workload independently and prioritize high-risk items
• Perform other duties and projects as assigned

Why This Role Matters

• Protects the credit union from fraud, loss, and operational risk through strong investigation and decision-making
• Ensures complex and higher-risk transactions are handled accurately and in compliance with regulations
• Supports the organization by resolving escalations quickly and effectively
• Strengthens internal controls and helps the credit union stay audit-ready
• Drives process improvements that make operations more efficient and reduce risk over time

Qualifications

• 2–5 years of electronic services or operations experience
• Strong knowledge of transactions, disputes, and reconciliation
• Experience handling fraud or investigations
• Strong analytical and problem-solving skills
• Ability to work independently
• Proficiency in Microsoft Office and core systems

Physical Requirements

• Ability to sit for extended periods
• Frequent use of hands for typing and system navigation
• Ability to view screens for prolonged periods
• Occasional standing, walking, bending, or lifting up to 15 pounds

Equipment Used

• Computer and core banking system (e.g., Symitar)
• Microsoft Office (Outlook, Excel, Word, Teams)
• Phone and office equipment (printer, scanner, copier)

Work Schedule

• Standard business hours Monday through Friday
• Schedule may vary based on business needs
• Occasional overtime may be required
• Non-exempt employees must accurately record all time worked and comply with all meal and rest period requirements.

Equal Opportunity/Affirmative Action Employer

Eagle Community Credit Union is committed to a workplace free from unlawful discrimination based on race, color, religion, sex, gender identity, age, national origin, citizenship, disability, sexual orientation, veteran status, genetic information, or any other classification protected by applicable federal, state or local law. This applies to all terms, conditions, and privileges of employment, including, without limitation, recruitment, hiring, assignment, training, promotion, compensation, evaluation, discipline, and discharge. For more information, please view https://www.dol.gov/agencies/ofccp/posters.

Eagle Community Credit Union values the contributions of our diverse workforce, including those with disabilities. Eagle is committed to complying fully with the Americans with Disabilities Act (ADA) and other applicable federal, state, and local laws. Eagle is also committed to ensuring equal opportunity in employment for qualified persons with disabilities. This Company prohibits discrimination against applicants and employees on the basis of disability as it pertains to the job application and hiring process and other terms and conditions of employment. If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please contact accommodation@eaglecu.org. This email is created exclusively to assist disabled job seekers who disability prevents them from being able to apply online. Only messages left for this purpose will be returned. Messages left for other purposes, such as following up on an application or on technical issues unrelated to a disability, will not receive a response.

Benefits Offered:

• Medical
• Dental
• Vision
• Life Insurance
• Flexible Spending Account
• 401(k) Matching
• Paid Time Off (PTO)
• Training Provided
• Tuition Reimbursement
• Volunteer Time Off
• Supplemental Insurance
• Employee Discounts