VP of Electronic Services

SUMMARY:

Responsible for directing and supervising staffing efforts in all of SAFE’s Electronic Service areas. Ensures the daily operations for all ATM/PTM, debit and credit card programs, including management of the remote ATM/PTM fleet and adherence to the organization’s financial and business strategies. Oversees the credit union’s digital channel, specifically online and mobile banking and any ancillary products.  Supervises the wire management program for the organization.  Optimizes SAFE’s non-interest income through interchange programs and fee-based income via the Overdraft Privilege program. Suggests and develops changes to policies and procedures, including new products and programs. Maintains a thorough knowledge of all aspects of applicable federal and state laws and regulations relating to electronic services.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

·    Supervises and coordinates the daily activity of the credit card//debit card operation, including instant issuance, interchange maximization and credit card rewards program.

·   Responsible for the growth and success of the credit union’s digital channel, including the day to day management. Recommends additional features, benefits, products, and services for the digital channel. This includes the research, development, training, and implementation of any new solution.

·    Responsible for delivering world class member experiences to all internal and external members.

·    Manages the credit union’s wire process, developing procedures and ensuring compliance of the program.

·    Maintains an understanding of SAFE Federal Credit Union’s overall business plan objectives, long-term strategic goals and current financial results.

·    Prepares a budget proposal for all areas of responsibility and ensures expenditures are made in accordance with approved funding. 

·    Responsible for the Personal Experience Center (PEC) to include development of strategies that lead to increased PTM usage.

·    Meets assigned sales, profitability and productivity goals.

·   Manages on-line account opening and delivering world class member experiences in a risk and compliance appropriate manner. .  Serves as one of the credit union’s Membership Officers. 

·    Manages SAFE’s overdraft privilege program. Submits recommendations to Executive  Management as needed for program adjustments.

·   Coordinates implementation and training of new and/or enhancements to credit card, debit card,  and ATM/PTM operations and recommends changes in these areas to increase overall efficiency, provide added member benefit and/or reduce operational costs.

·   Manages  vendor relationships and contracts with credit card/debit card processors, Visa International and regional debit and ATM networks.

·   Implements fraud mitigation strategies as warranted to minimize loss to the credit union relating to ATMs and debit/credit card operations. This includes managing card breaches, compromises, issuance and fraud alerts.

·   Other duties as assigned.

SUPERVISORY RESPONSIBILITIES:

Manages employees in the Electronic Services Department and SAFE’s Personal Experience Center (PEC).  Is responsible for the overall direction, coordination, and evaluation of these units.

Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.  Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

PERFORMANCE STANDARDS:

Maintain balanced records, reconciled and corrected exception items, and process all accounting, administrative, and clerical requirements in a timely manner. Manages sales and profitability objectives of assigned programs. Heads all major related projects while keeping Executive Management up to date on progress and timeline.

QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Regulatory Requirements:  Your position has specific procedures that must be followed to comply with Privacy Act, Office of Foreign Assets Control (OFAC), and Bank Secrecy/Patriot Act. You will receive annual training to keep you current on any changes to these policies/procedures to assure compliance.  Failure to comply with procedures may cause termination of your position as well as possible monetary penalties from the federal regulatory agency.

EDUCATION and/or EXPERIENCE:

Bachelor’s degree in Business or a related field from an accredited university preferred. Ten (10) years minimum related experience and/or training; or equivalent combination of education and experience. Minimum of five years of experience leading groups of twenty or more employees. Ability to communicate verbally and in writing is essential. 

LANGUAGE SKILLS:

Ability to read and comprehend complex instructions, detailed correspondence, and memos. Ability to write detailed correspondence.  Ability to effectively present information in one‑on‑one and small or large group situations to members, clients, and other employees of the organization.

MATHEMATICAL SKILLS:

Ability to add, subtract, multiply, and divide using whole numbers and decimals.  Must also calculate ratios, rates and percentages.

REASONING ABILITY:

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.

CERTIFICATES, LICENSES, REGISTRATIONS:

No special requirement.

OTHER SKILLS and ABILITIES:

Ability to operate the credit card, debit card and ATM/PTM system of accounting for transactions, including simple input/output functions, error correction, blocking access, and related transactions that can be performs either on the credit union's mainframe computer system, or a stand‑alone system specifically designed for credit card, debit card and ATM/PTM programs.  

Proficient in Microsoft Office. Advanced Excel skills preferred. Annually complete and achieve passing scores on various SAFE FCU Policy, Procedure, Development and Enhancement Curriculum.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit and talk or hear.  The employee is occasionally required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 35 pounds.  Specific vision abilities required by this job include close vision, colour vision, and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually low to moderate.

MENTAL DEMANDS:

The mental characteristics necessary to competently perform this job include the need to occasionally use complex numeric calculations, to frequently use problem solving, precision, resourcefulness, creativity, and to continuously use auditory perception.