Description:
GENERAL POSITION SUMMARY:
Contribute to the financial stability and operational compliance of the Credit Union by assisting Enhanced Monitoring Account (EMA) members with opening new accounts and services, maintaining existing accounts, and performing ongoing compliance monitoring specific to EMA accounts, including site visits.
Essential Functions
Sales and Service
- As a backup when necessary, provide service to EMA business members by opening, setting up or performing maintenance on the following types of business accounts or services: savings, checking, online banking, debit cards, direct deposit, and automatic transfers. Answer questions in person and/or over the phone.
EMA Compliance
- Perform initial reviews of EMA applications to ensure applicants meet all Credit Union standards with respect to membership eligibility, corporate status, license status, criminal history, and reputation. Resolve questions and issues regarding application information.
- Perform quarterly reviews (including gathering all necessary documentation and following up on documentation requests) and ongoing monitoring of EMA accounts to ensure that members conduct business activities in accordance with applicable Credit Union, State, and Federal standards.
- Review account activity and analyze financial data to develop an understanding of the member’s business activities and compare with other similar businesses.
BSA Compliance
- Assist in filing appropriate BSA reports related to currency transactions and suspicious activities consistent with BSA requirements and Credit Union policy and procedures as requested by the BSA Department, including providing backup coverage.
Operations, Security, and Compliance
- Follow regulatory and policy compliance requirements, which include those efforts in compliance with the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC) and Anti-Money Laundering (AML) Regulations, Identity Theft Red Flags and other compliance-related policies.
- Maintain operational knowledge by staying informed of policies and procedures.
- Comply with Credit Union operations and security procedures by preparing Currency Transaction Reports, Suspicious Activity Reports, participating in dual control functions, and adhering to authority limits, policies and procedures.
- Maintain confidentiality and protect Credit Union operations by keeping negotiable instruments, cash, keys and member and/or Credit Union information secure at all times.
Professional Knowledge and Development
- Maintain current understanding of State and Federal Laws regarding the Oregon cannabis and hemp industry and stay current with changes to those laws.
- Maintain Credit Union workflow by cooperating with co-workers and providing necessary information to the appropriate people.
- Enhance job performance by applying up to date professional and technical knowledge gained by attending training sessions and reviewing professional publications.
- Participate in committee and team projects outside the department as assigned by the EMA Operations Manager or Chief Risk Officer.
- Continuously strive to meet organizational objectives through personal and department goals.
WORKING CONDITIONS:
Work areas are inside, in a climate-controlled environment with light-to-moderate background noise. Position involves exposure to potential hazardous conditions, e.g., robbery. Position may require extended hours (applies to full-time and part-time schedules) and travel to multiple branches. May occasionally require travel to various off-site agricultural, warehouse, commercial and retail locations. .
Requirements:
KNOWLEDGE, SKILLS, AND ABILITIES REQUIRED:
- Excellent written and oral communication skills. Ability to communicate effectively and project a professional image when giving and taking information in writing, in person, over the phone, and via computer or other electronic means.
- Ability to effectively establish rapport, present information, and respond to questions from managers, members, and the general public. Skill and ability to meet people and listen.
- Ability to read, analyze, and interpret operational documents, policies and regulations.
- Ability to take initiative and prioritize tasks; good-time management, problem-prevention, and problem-solving skills.
- Accurate typing/keyboarding skills; basic computer skills, including the use of word processing and spreadsheet software applications and e-mail.
- Strong organizational skills.
- Ability to remain flexible in order to adapt to changes in the work environment.
- Ability to cross-sell Credit Union services effectively and accurately.
- Ability to work accurately with close attention to detail.
- Ability to maintain confidentiality of sensitive information.
- Ability to work with co-workers and members professionally and tactfully.
- Possess a work ethic that includes neatness, punctuality, and accuracy.
- Exhibit a professional, businesslike appearance and demeanor.
QUALIFICATIONS:
- High School diploma or equivalent.
- Two to five years of experience in customer service, including direct and indirect selling roles, or the equivalent combination of training and experience.
- Two to five years of financial industry experience preferred.
- Must be bondable.
- Must maintain valid Oregon driver’s license.
- Must be at least 21 years of age.
PHYSICAL ACTIVITIES REQUIRED TO PERFORM ESSENTIAL FUNCTIONS:
- Sitting/Standing/Walking: Approximately 80% of time is spent seated while working at a desk. Balance of time (approximately 20%) is spent standing or moving around work areas.
- Speaking/Hearing: Clear diction and acute hearing are necessary for effective communication with co-workers, members, and outside agencies, by telephone and in person.
- Vision: Corrected vision close to 20/20 is necessary to effectively use the computer screens and interpret written information.
- Lifting/Carrying/Pushing/Pulling: The ability to lift and carry up to twenty pounds is necessary for transporting files and office supplies.
- Stooping/Kneeling: The ability to stoop and kneel is necessary for accessing files.
- Reaching/Handling: Good manual dexterity is necessary for computer keyboard use and for retrieving and working with appropriate paperwork, equipment, and supplies.