Careers at Wheelhouse

Position Purpose:  Following established policies and procedures and under the guidance of the Financial Manager.  The Accountant II position provides broad-based accounting assignments requiring knowledge of accounting theory and in compliance with Generally Accepted Accounting Principles (GAAP).  Responsibilities include general ledger/bank account reconciliations, month-end close tasks, ACH Processing, wire processing, Accounts Payable, and regulatory/tax reporting.  Assist in the completion of accurate and timely completion of financial records for the Credit Union.  Provide recommendations in process improvements while ensuring internal controls.  Update procedures timely and accurately.

Essential Duties and Responsibilities:

1. Complete general ledger and/or bank account reconciliations and ensures the accurate and timely resolution of reconciling items. Perform research and correct discrepancies.
2. Prepare periodic, month-end, and quarter-end closing entries to properly account for general ledger activities in the core banking platform and other third-party systems. Design and generate monthly internal month-end reports to assist with month-end close.
3. Process ACH incoming and origination files, ensuring compliance with all NACHA regulations.
4. Process daily corporate and member wires, both domestic and foreign.
5. Assist with and process Accounts Payable in a timely and accurate manner.
6. Assist with and process/audit employee payroll using automated payroll system accurately and timely.
7. Analyze financial reports and records, making studies or recommendations relative to the accounting of reserves, assets and expenditures.
8. Provide support for internal auditors, external auditors and regulators as directed by the Financial Manager. Collect fieldwork data for audits and examination including but not limited to confirmation letters, audit questionnaires, pro forma data, and other audit schedules.
9. Assist in conducting special studies, developing, documenting, maintaining, and improving processes and internal controls related to operational and financial accounting functions. Ensure process documentation and desktop procedures are accurate and are updated timely.
10. Maintain effective communication and coordination with Credit Union personnel and with management.
11. Other duties as assigned.

 Knowledge, Skills, and abilities required: 

1. A two-year college or university degree in Accounting, Finance or related field and two-years of related experience. Five years of equivalent work experience, preferably in a credit union or financial institution will be considered in lieu of educational requirement.
2. Knowledge of Generally Accepted Accounting Principles and/or banking (financial institution) experience preferred.
3. Advanced spreadsheet skills are required. Proficiency with accounting software and payroll software.  Strong personal computer skills including Microsoft Office.
4. Professional written and verbal communication skills.
5. A high degree of organization and the ability to handle multiple projects and deadlines.
6. Excellent collaborative skills and the ability to develop and maintain positive working relationships. Work involves extensive personal contact with others and is usually of a personal or sensitive nature.
7. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.

POSTION PURPOSE:

Under the supervision of the Risk & Compliance Manager/Bank Secrecy Act (BSA) Officer, the BSA & Risk Analyst I is responsible for the ongoing support of BSA/Anti-Money Laundering (AML) compliance within all areas of the Credit Union. Main responsibilities include:  review daily reports to ensure timely filing of regulatory reporting, conduct monthly investigations on BSA alerts, fraud alerts, daily and bi-weekly review of OFAC & FINCEN 314(a) Watchlist alerts, prepare currency transaction reports (CTR) and suspicious activity reports (SAR) utilizing the Credit Union’s AML system, assist with formulating and maintaining a BSA/AML Compliance Program designed to ensure the Credit Union achieves optimum BSA compliance under BSA Regulation and OFAC requirements, review financial transaction activities for potential fraud, update procedures timely and accurately, and participate in special department projects. In addition, support the Risk & Compliance Manager to administer all aspects of the Credit Union’s Risk Program.

ESSENTIAL DUTIES AND RESPONSIBLITIES:

BSA/AML and Risk Management

1. Perform risk-based monitoring of member transaction patterns and research member accounts for suspicious activity in accordance with the BSA and USA Patriot Act.
2. Maintain the Credit Union’s anti-money laundering (AML)/fraud monitoring system (Verafin). Make recommendations and implement enhancements to the Credit Union’s monitoring program.
3. Conduct investigations, as needed, on alerts generated in Verafin. Collaborate with branch staff regarding potential suspicious activity.
4. Prepare Suspicious Activity Reports (SAR), Currency Transactions Reports (CTR), and Monetary Instrument Log (MIL). Ensure the accuracy and timely filing of all BSA reports.
5. Review and monitor Office of Foreign Assets Control (OFAC) and Financial Crimes Enforcement Network (FinCEN) Watchlists within prescribed timeframes under the direction of the Risk & Compliance Serve as an escalation point for branches and department regarding possible OFAC matches and related questions
6. Develop new and revised procedures related to BSA/CIP/OFAC and collaborate with business units.
7. Collect and conduct statistical data analysis and research regarding BSA and OFAC compliance for the Risk & Compliance
8. Provide organization support to staff for BSA-AML compliance related questions using Credit Union’s policies and procedures.
9. Assist in conducting risk assessments on new or existing products and services with business units.
10. Remain current on all laws, rules and regulations affecting the Credit Union operations, with an emphasis on BSA/AML, Customer Identification Program (CIP), and OFAC programs and processes.
11. Other duties as assigned.

Fraud Management

1. Monitor fraud alerts utilizing the credit union’s BSA/AML & Fraud software (Verafin) and collaborate with operations regarding potential fraud.
2. Review and analyze large volumes of debit card, credit card, online banking, wire transfers and ACH transactions to determine if fraud activity has occurred. Work with Cards and Operations department relating to potential card and account fraud.
3. Collaborate with Cards and Operations department and other business units to minimize fraud and operational risks.
4. Report suspicious activity as required and in compliance with the BSA. Develop and maintain ongoing data analysis.
5. Identify fraud by leveraging internal and external data sources and work with Risk & Compliance Manager to design and implement fraud mitigation program and initiatives.
6. Assist with the development of fraud monitoring and prevention procedure.
7. Maintain proficient knowledge of the applicable rules and regulations.
8. Other duties as assigned. 

KNOWLEDGE, SKILLS, AND ABILITIES REQUIRED:

1. A Bachelor’s Degree in Business Administration or related field plus one plus years of related experience in financial services environment and/or fraud investigation experience. In lieu of post-secondary education requirement, three to five years of experience in financial services and two years of risk/fraud focused role will be considered.
2. Desired Bank Secrecy Act Compliance Specialist (BSACS) or related BSA and/or Fraud certification.
3. Strong knowledge of regulations pertaining to deposit accounts and consumer loans and the ability to interpret and understand laws and regulations.
4. Strong ability to find patterns and trends with critical thinking skills to identify outliers from large set of financial transaction data.
5. Excellent analytical skills and professional written and verbal communication skills.
6. A high degree of organization and the ability to handle multiple projects and deadlines. Ability to work independently and be self-motivated. Easily adaptable to a fast pace environment.
7. Proficiency with Microsoft Office products, anti-money laundering application (e.g. Verafin) and credit union’s core banking platform (e.g. Keystone)
8. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.
9. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential. Work involves extensive personal contact with others and is usually of a personal or sensitive nature.

The Loan Representative will have the following job responsibilities:

1. Prepare loan applications received through various delivery channels including but not limited to the internet, call center, and lending portal for underwriting.
2. Process the documents received for each loan file verifying the accuracy and completeness of each document. Update data within the core system or lending operating system upon receipt of documents.
3. Open new membership accounts, promote and cross-sell Credit Union products and services, and respond to member inquiries.
4. Notify member of loan decision.  Ensure that applicants receive all necessary notifications according to the respective regulations.  (i.e., adverse action letter, pre-approval notice, etc.).
5. Request necessary documents to complete loan package for funding.
6. Complete and ensure all documents contain current and accurate applicant and loan information.
7. Schedule delivery of loan documents in accordance with the member’s request (i.e., in branch signing or the Credit Union’s electronic delivery system.
8. Fund loan packages within the applicable time requirements according to loan instructions and stipulations.
9. Prepare and submit automatic and ACH payment request.
10. Keep and ensure compliance with Truth in Lending (RegZ), RESPA, ECOA (RegB), Bank Secrecy Act, Customer Identification Program (CIP) and other Federal and State lending laws and regulations.
11. Assist loan servicing as needed.
12. Assist with processing the indirect loan applications.
13. Maintain and balance operator drawer daily.
14. Register with the Nationwide Mortgage Licensing System and Registry (NMLS) and State of California Department of Insurance.  Will be required to undergo a background check.  Registration with the NMLS to be maintained on an annual basis.
15. Perform other duties as assigned.

The requirements for the Loan Representative position include:

1. High school diploma or equivalent.
2. Minimum of one year of experience in a branch platform experience (new accounts) with six months of loan processing experience.
3. May be required to work after normal business hours and on weekends.
4. General knowledge of Federal and State regulations as they pertain to lending is a plus.
5. Professional written and verbal communication skills including telephone etiquette.
6. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
7. Attention to detail is essential.
8. Proficiency with operating general office equipment (including copier, fax machine, scanner), as well as proficiency with Microsoft Office products (e.g., Word, Excel, etc.).
9. Working knowledge of computers and ability to learn new systems.
10. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.

The Senior Accountant provides broad-based accounting assignments requiring advanced knowledge of accounting theory and in compliance with general accepted accounting principles (GAAP). Main responsibilities include general ledger/bank account reconciliations, month-end close, financial statement preparation, and regulatory/tax reporting. Ensure complete, accurate, and timely completion of financial records for the Credit Union

 Essential Duties and Responsibilities:

1. Complete general ledger and/or bank account reconciliations and ensures the accurate and timely resolution of reconciling items. Researches and correct discrepancies.
2. Prepare periodic, month-end, and quarter-end closing entries to properly account for general ledger activities in accounting system, core banking platform and other third-party systems.
3. Responsible for the preparation of financial statements, management reports, and NCUA 5300 Call reports. Review and analyze fluctuations and variances in balance sheet and income statement accounts. Streamline and improve the data collection and reporting process.
4. Assist in the Allowance for Loan and Lease Losses (ALLL) monthly analysis including updating/validating data and preparing associated reports. Working with the Financial Manager to ensure analysis in compliance with GAAP and regulatory requirements.
5. Assist in certifying general ledger/bank account reconciliation prepared by Accountants and Lead Accountant.
6. Participate in reviews and certification of employee payroll processing prior to and/or post submission.
7. Prepare and/or coordinate the preparation of Credit Union federal/state income and property tax returns, which include the 990 and 990T. Ensures the timely payment of all taxes.
8. Provide support for internal auditors, external auditors and regulators as directed by the Financial Manager. Collect fieldwork data for audits and exam including but not limited to confirmation letters, audit questionnaires, pro forma data and other audit schedules.
9. Assist the Financial Manager in developing, documenting, maintaining, and improving processes and internal controls related to operational and financial accounting functions. Ensure process documentation and desktop procedures are accurate and are updated timely.
10. Act as a super-user for accounting systems, develop reports to assist management and lead integration of systems as planned.
11. Maintain effective communication and coordination with Credit Union personnel and with management.
12. Other duties as assigned.

Knowledge, Skills, and abilities required:

1. A Bachelor’s degree from an accredited college or university with a concentration in accounting/finance or extensive experience in advanced financial accounting and reporting.
2. Minimum of five years performing accounting function for financial institution is preferred.
3. Certified Public Accountant (CPA) certification is a plus.
4. Advanced spreadsheet skills are required. Strong personal computer skills including Microsoft Office.
5. Professional written and verbal communication skills.
6. A high degree of organization and the ability to handle multiple projects and deadlines.
7. Excellent collaborative skills and the ability to develop and maintain positive working relationships. Work involves extensive personal contact with others and is usually of a personal or sensitive nature.
8. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.

The Senior Member Services Representative will have the following job responsibilities:

1. Open new membership accounts, promote and cross-sell Credit Union products and services, and respond to requests for information pertaining to membership, products/services and loans.
2. Interview loan applicants providing information on current policies and procedure and verify that loan application is completed accurately.
3. Disburse loans as authorized and approved by underwriting and/or Credit Committee.
4. Discuss options available to members for real estate inquiries. Take applications through our mortgage LOS, act as liaison for members to ensure smooth transaction for all phases of loan process up to funding.
5. Maintain accurate dual control logs of applicable negotiable items sold to members.
6. Accept deposits, withdrawals, transfers and loan payments.
7. Handle requests to increase scheduled loan payments.
8. Complete and maintain monthly sales logs and reports.
9. Meet outlined goals and objectives established for cross-sell on new memberships & loan funding. Adhere to outlined error ratios on funded loans and memberships.
10. Meet and maintain established ancillary goals i.e. CBSI, GAP, MRC and Debt Protection.
11. Register with the Nationwide Mortgage Licensing System and Registry (NMLS) and State of California Department of Insurance. Will be required to undergo a background check. Registration with the NMLS to be maintained on an annual basis.
12. Ensure compliance with all processes pertaining to BSA, CIP, lending, and REG E programs.
13. Perform other duties assigned.

Position Requirements and Qualifications: 

1. High school diploma or equivalent.
2. Minimum of two years’ experience in a financial institution with a minimum of one year of new accounts experience.
3. Minimum of one year of experience in consumer lending.
4. Preferred knowledge of mortgage lending practices and policies.
5. Professional written and verbal communication skills including excellent grammar and telephone etiquette.
6. Ability to handle people and/or situations with tact, diplomacy, and professionalism.
7. Proficiency with Microsoft Office products, 10 key adding machine and on-line computer core processing system.
8. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
9. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress
10. Support of Business Development at onsite events and/or Marketing efforts within the community.

To perform routine member transactions such as receiving and disbursing funds, posting deposits, loan payments, and withdrawals in an accurate, efficient, friendly, and professional manner. This position will also remain current on all laws, rules and regulations including BSA and CIP programs and processes.

Essential Duties and Responsibilities:

1. Maintain and balance a cash drawer daily.
2. Accept deposits, share withdrawals, transfers, loan payment, payoffs, VISA cash advances, and process and post mail daily.
3. Process stop payments.
4. Provide members with information pertaining to account status, including current balances and loan pay-off amount.
5. Respond to members’ requests, problems, and complaints, and/or direct them to the proper person for specific information and assistance.
6. Provide general information regarding Credit Union services or policies, including eligibility for membership, types of accounts available, interest rates, office hours, and branch locations.
7. Promote and cross-sell Credit Union products and services.
8. Issue and encode ATM cards.
9. Prepare payroll deduction forms and net check/ACH requests.
10. Ensure compliance with all processes pertaining to BSA and CIP programs.
11. Other duties as may be assigned.

Position Requirements and Qualifications: 

1. High school diploma or equivalent.
2. Minimum of six month of cash handling experience in a customer service environment.
3. Proficiency with 10 key adding machine, on-line computer system, and typewriter (minimum typing speed of 40 w.p.m.).
4. Excellent collaborative skills and the ability to develop and maintain positive working relationships are essential.
5. Knowledge and understanding of the mission and vision of the Credit Union. Strictly adhere to the Credit Union’s policy of confidentiality, security, professional conduct and dress.