Electronic Services Specialist
Americas First Federal Credit Union - Birmingham, AL

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JOB TITLE: Electronic Services Specialist

REPORTS TO: Electronic Services Coordinator

Responsible for maintaining proficiency in all of the daily functions within the electronic services area (item processing for both incoming and outgoing cash letters, estatements, check returns, charge-backs, bill payment services, & mail payments).

Electronic Services Coordinator

Online Resources

Fedline Resources


AVP IT Operations

The functions of the Electronic Services department are varied and responsibility is rotated on a periodic basis among all staff. There are a number of detailed tasks involved but the major tasks are listed below with a summary of the duties to be performed.

Item Processing

Imports and verifies inclearing files from the Federal Reserve and transfers the file for online posting.

Scans and balances check deposits and prepares a daily deposit file for transmission to the Federal Reserve.

Encodes, scans, and balances savings bonds in order to prepare a cash letter for delivery to the Federal Reserve.

Responsible for periodic maintenance on scanning equipment and related hardware.

Return Items

Reviews and balances the share draft exception report. Verifies stop payments, checks drawn against restricted accounts, uncollected funds, non sufficient funds, or any item which was unable to be automatically posted.

Works with the collection department to resolve problems related to accounts that are restricted due to delinquency or overdraft issues.

Identifies large item returns and sends out proper notification as required by the Federal Reserve.

Performs research and provides assistance to branches or the call center regarding unposted items in response to member questions.


Responsible for reviewing daily chargeback items to reverse deposits and loan payments or recover funds from alternate sources. Reviews the items for late returns and handles accordingly.

Notifies management of any anticipated losses due to unavailable funds and forwards uncollectible items to collections or risk management as appropriate.

Takes steps to protect the credit union from loss when notified of large return items by other financial institutions.

Mail Payments

Posts mailed payments and deposits accurately and efficiently.

Takes steps to notify the member/payer when mail payments are received with incorrect or incomplete account information.

Forwards to the collection department any item which cannot be posted due to account restrictions.

Online Services Administration

Responds to bill payment inquiries from members.

Performs the necessary maintenance to discontinue estatement or bill payment participation upon request of the member.

Responds to notification of undeliverable email addresses for estatement participants.


High school diploma or equivalent.

Minimum of one year’s work experience in credit union operations. Accounting course work or experience helpful.

Ideal candidate would have good understanding of the Federal Reserve Board regulations regarding proof and transit, check presentment, and electronic payments.

Proficiency in Microsoft Word, Excel, and Windows.

Must be organized and have the ability to work with multiple priorities, coordinate team deadlines and exhibit good judgment.


Individuals should demonstrate the following competencies to perform the essential functions of this position.

  • Judgment and problem-solving— gathers and analyzes information skillfully, displays willingness to make decisions, identifies and resolves problems in a timely manner.
  • Oral communication—speaks clearly and persuasively in positive and negative situations, and participates in meetings.
  • Planning/organizing—prioritizes and plans work activities, uses time efficiently and develops realistic action plans.
  • Safety and security—observes safety and security procedures and uses equipment and materials properly.




Good attitude


Team player

No exceptions from internal audit

Required Skills

Required Experience