Qureos Mentor

Golden 1 Credit Union

TITLE: VP - ENTERPRISE RISK OFFICER
 STATUS: EXEMPT
 REPORTS TO: SEVP - CHIEF ADMINSTRATIVE OFFICER
 DEPARTMENT: ENTERPRISE RISK MANAGEMENT
 JOB CODE: 7603
 PAY RANGE: $205,200.00 - $240,000.00 ANNUALLY
 
POSITION AND PURPOSE
 
The Vice President – Enterprise Risk Officer (ERO) is responsible for establishing, leading, and overseeing the Credit Union’s enterprise wide risk management framework to ensure all material risks are identified, measured, monitored, managed, and reported in alignment with strategic objectives, Board approved risk appetite, and regulatory expectations. Reporting to the SEVP – Chief Administrative Officer, the ERO serves as a key independent advisor to executive leadership and the Board of Directors’ Enterprise Risk Oversight Committee on risk related matters.
 This role strengthens the organization by reducing the potential for unexpected losses and managing volatility through the development and execution of effective risk management strategies. The ERO ensures that risk considerations are embedded into strategic planning, major initiatives, and decision making processes while promoting a strong, risk aware culture across the Credit Union. Acting independently from revenue generating and operational functions, the role provides second line oversight of operational risk, information technology and security risk, third party risk management, fraud risk, and corporate governance, enabling sound, informed decisions consistent with the Credit Union’s long term goals and regulatory obligations.
 WHO WE ARE
 
Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.
 WHO YOU ARE
 
You lead enterprise risk with confidence and independence, ensuring material risks are identified, assessed, and managed in alignment with the Credit Union’s strategy, risk appetite, and regulatory expectations.
 You are a trusted executive advisor who brings objectivity, credibility, and sound judgment to high stakes discussions.
 You exercise disciplined, risk based judgment, weighing regulatory, operational, reputational, and strategic impacts before decisions are made.
 THE WORK
 
GOLDEN 1 RESPONSIBILITES INCLUDE: 
Enterprise Risk Management
 1. Design, implement, and maintain a comprehensive ERM framework consistent with regulatory expectations and industry best practices.
 2. Establish and oversee the Credit Union’s risk appetite framework, including risk limits, tolerances, metrics, and escalation protocols.
 3. Ensure risk considerations are integrated into strategic planning, capital planning, major projects and initiatives, budgeting, and business decision-making.
 4. Conduct risk assessments, including but not limited to those related to technology, information security, operational, and project and major initiative risks.
 Risk Oversight and Strategic Advisory
 1. Provide independent oversight of all major risk categories, including but not limited to:
 a. Credit risk
 b. Interest rate risk
 c. Liquidity risk
 d. Operational risk (including fraud, third-party, and model risk)
 e. Compliance, legal, and regulatory risk
 f. Technology and Information Security risk
 g. Reputational risk
 h. Strategic risk.
 2. Monitor emerging risks and industry trends, assessing their potential impact on the institution and giving advice to affected business units on strategies for mitigating emerging and other risks.
 3. Provide second line oversight of numerous business functions, including model risk management, business continuity, enterprise fraud risk management, and information technology and security.
 4. Manage and oversee second-line functions and personnel relating to Operational Risk Management, Enterprise Fraud Risk Management, Third-Party Risk Management, Information Technology and Security Risk Management, and Corporate Governance.
 Governance and Executive and Board Reporting
 1. Prepare and present clear, timely, and actionable risk reporting to the EROC, management committees, including the Risk Management and Remediation Committee and the Information Technology and Security Committee, as well as executive leadership.
 2. Escalate significant risk issues, breaches of risk appetite, and control weaknesses promptly.
 3. Ensure Board and Corporate policies are reviewed on a regular basis and updated and align to strategic and business objectives.
 4. Implement and maintain appropriate vendor management, business continuity, governance, risk, and compliance data and information management tools.
 Regulatory and Compliance Coordination
 1. Ensure the Credit Union’s risk management practices comply with applicable laws, regulations, and supervisory guidance.
 2. Support regulatory examinations, audits, and reviews related to risk management.
 3. Collaborate with Compliance, Internal Audit, and Legal functions while maintaining appropriate independence.
 Risk Culture and Leadership
 1. Promote a strong risk-aware culture throughout the organization.
 2. Establish risk policies, standards, and training programs to enhance risk understanding and accountability.
 3. Other duties as assigned.
 Develop and maintain an understanding of the pertinent regulatory requirements and risks inherent to job responsibilities, establish, and maintain control activities that mitigate those risks consistent with the Credit Union’s risk appetite, and ensure operational integrity and compliance with applicable regulations.
 QUALIFICATIONS
 
EDUCATION: Bachelor’s degree in business administration, finance, legal or related discipline. Master’s degree (MBA, MS in Risk Management, Finance, or similar) preferred.
 EXPERIENCE: Ten or more years of progressive experience in risk management within a financial institution or regulated financial services environment.
 
KNOWLEDGE/SKILLS: 
1. Expert knowledge of enterprise-level risk management, e.g., credit risk, asset/liability, vendor & third-party risk, operational risk, strategic risk, reputational risk.
 2. Excellent communicator and influencer; ability to coordinate discussion across large groups, distil multiple views, drive consensus, and deliver valuable solutions.
 3. Working knowledge of various tools (risk assessments, key risk indicators, loss/event database or incident tracking, unexpected loss modeling).
 4. Ability to handle multiple projects simultaneously and work effectively under pressure.
 
CORE COMPETENCIES: 
<ul>
<li>Strategic Thinking: Thinks beyond immediate issues to consider long term outcomes, risks, and organizational impact</li>
<li>Executive Presence: Demonstrates confidence, credibility, and composure to inspire trust, influence others, and represent the organization effectively</li>
<li>Risk-Based Decision-Making: Evaluates complex risk scenarios and balances risk and opportunity to drive responsible, sustainable outcomes.</li>
<li>Regulatory Acumen: Demonstrates a strong understanding of applicable laws, regulations, and regulatory expectations, and integrates them into executive decision making, risk management, and operational oversight</li>
<li>Collaboration and Independence: Collaborates effectively with peers and stakeholders while operating with autonomy and ownership</li>
<li>Change Leadership: Drives and sustains organizational change by anticipating impacts, aligning stakeholders, and enabling adoption.</li>
</ul>
ORGANIZATIONAL CONTACTS & RELATIONSHIPS
 
INTERNAL: All levels of staff.
 EXTERNAL: External auditors, regulatory and governmental agencies, financial institutions, trade organizations, and vendors.
 WORKING CONDITIONS
 
Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.
 PHYSICAL REQUIREMENTS
 
Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.
 DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS
 
The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

Risk Management - VP - Enterprise Risk Officer

TITLE: APPLICATION DEVELOPER I
 STATUS: EXEMPT
 REPORT TO: MANAGER - IT PROGRAMMING
 DEPARTMENT: IT - PROGRAMMING
 JOB CODE: 11379
 PAY GRADE: 18S
 PAY SCALE: $84,400.00 - $90,000.00 ANNUALLY
 
GENERAL DESCRIPTION: 
The Application Developer is an entry level developer position that will work closely within their department to learn the coding language(s) to help support the credit union’s host systems. With the guidance of more senior staff members, the individual will learn programming aspects of design, development, testing, implementation, and support of database applications for the credit union’s host systems.
 
TASKS, DUTIES, FUNCTIONS: 
1. Learn the appropriate coding language(s) to support our core systems using resources such as online/virtual classes, books, in-person class, and more experienced peers.
 2. Complete training assignments to develop/improve coding skills.
 3. Review, define, design, program and implement solutions for our core systems using third and fourth generation programming languages.
 4. Work with other technical staff and business partners to understand platforms, integration points (APIs, services) and database structures.
 5. Perform object-oriented and structured programming, depending on business need.
 6. Support senior technical staff in analyzing, designing, and documenting solutions that integrate with third-party systems.
 7. Analyze user requirements and prepare technical design specifications to address those requirements.
 8. Evaluate and analyze data related to application development in order to improve performance.
 9. Prepare test scenarios and evaluate test results to validate accuracy of programs and procedures in collaboration with the Enterprise Quality Assurance team.
 10. Assist and shadow senior developers when they troubleshoot core system errors/issues and document solutions for a fix.
 11. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
 12. Perform additional duties as assigned.
 PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK:
 1. Effective oral and written communication skills required to diagnose and interpret programming problems.
 2. Must possess sufficient manual dexterity to operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.
 3. Carry and respond to smartphone on a rotation basis with other Programmer Analysts. May be able to diagnose problems from home; to correct problem, may occasionally need to travel to site by car or public conveyance.
 
ORGANIZATIONAL CONTACTS & RELATIONSHIPS: 
1. INTERNAL: Technical managers and staff.
 2. EXTERNAL: Support personnel.
 
QUALIFICATIONS: 
1. EDUCATION: Associates degree in Management Information Systems or Computer Science.
 2. EXPIERENCE: Two years’ experience in financial industry in systems analysis
 3. KNOWLEDGE / SKILLS: Enterprise experience working with multi-tier software architecture, object-oriented design, requirements gathering, Agile and Waterfall SDLC, and have a thorough understanding of core systems infrastructure (operating systems, web server, database, etc.). Demonstrated expertise in developing, troubleshooting, and implementing software code that includes two or more programming languages similar to the following:
 <ul>
<li>Procedural: C, TAL</li>
<li>Interpreted: Caché ObjectScript, TACL, Python</li>
<li>Non-Structured: SQL</li>
<li>Object Oriented Programming</li>
<li>Agile experience is a plus.</li>
</ul>
PHYSICAL REQUIREMENTS: 
1. Prolonged sitting throughout the workday with occasional mobility required.
 2. Corrected vision within the normal range.
 3. Hearing within normal range. A device to enhance hearing will be provided if needed.
 4. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
 5. Minimal local travel by car or public conveyance.
 6. Prolonged operation of a personal computer, which includes typing, operating a mouse and reading information on the monitor.
 7. May require unusually long work hours to accomplish tasks.
 8. May require travel during projects.
 
LICENSES / CERTIFICATIONS: 
None
 #LI-Remote
 Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
 THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.
 REV. 1/9/2026

IT - Core Programming - Application Developer I (Remote in CA)

Job Title: Corporate Security Specialist
 Status: Non-Exempt
 Reports to: Mgr - Corporate Security
 Department: Corporate Physical Security
 Job Code: 1755
 Pay Range: $20.00 - $25.00 Hourly
 
WHO WE ARE: 
Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.
 
WHO YOU ARE: 
The Corporate Physical Security department is an industry leading security function that specializes in: Access control management, surveillance and integration, executive protection and hazard vulnerability assessments.
 
WHAT YOU'LL DO: 
<ul>
<li>Work alongside contracted guard service to ensure timely and efficient response to all security concerns including protecting persons and safeguarding assets and information. Ensure all issues are reported to the relieving Corporate Security Specialist and follow up on critical incidents by emailing the Corporate Physical Security Manager.</li>
<li>Monitor lobby traffic ensuring all people entering the building have proper authorization, i.e. Golden1 ID Badges or temporary badges.</li>
<li>Conduct weekly surveillance and alarm checks throughout the Golden1 facilities portfolio</li>
<li>Perform searches of baggage, purses, totes, and other containers carried by individuals entering/exiting the premises in accordance with policy and procedures. Ensure that visitor, employee and vendor processing and search for confidential and privileged information is conducted with the highest standard of care and professionalism.</li>
<li>Incident response to burglary/ robbery incidents at Branches or ATMs after hours.</li>
<li>Perform security walkthroughs of departments to ensure information assets are properly secured in accordance with the guidelines and procedures set.</li>
<li>Communicate and coordinate alarm monitoring with contractor monitoring service and dispatching law enforcement accordingly.</li>
<li>Create and maintain reporting log to keep the Corporate Physical Security Manager updated on all trends and activities on night shift.</li>
<li>Monitor cameras and access control systems to look for suspicious activities. Report issues with the systems to Corporate Physical Security in a timely manner.</li>
</ul>
QUALIFICIATIONS AND PREFERENCES: 
<ul>
<li>H.S. Diploma or General Education Degree (GED) required</li>
<li>College courses or equivalent continuing education accepted</li>
<li>2+ years of Physical Security, Security Guard, Event Security or Security Dispatch experience required</li>
<li>Financial Institution operations, policies and procedures is preferred</li>
</ul>
WHY JOIN US: 
Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.
 
Please view the full job description detailing the complete list of duties and expectations for this role by clicking or copying this URL into your browser: https://golden1.jdxpert.com/ShowJob.aspx?EntityID=2&id=2552
 
THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.
 REV. 4/2/2026

Corporate Physical Security - Corporate Security Specialist

TITLE: SMALL BUSINESS CREDIT ANALYST II
 STATUS: EXEMPT
 REPORTS TO: MGR - BUSINESS SERVICES ORIGINATION OPERATIONS
 DEPARTMENT: BUSINESS SERVICES OPERATIONS
 JOB CODE: 11688
 PAY RANGE: $85,100.00 - $93,000.00 ANNUALLY
 
GENERAL DESCRIPTION: 
Small Business Credit Analyst II is responsible for reviewing, analyzing and evaluating complex small business credit applications through the digital channel, and based on their judgment, approve, modify or deny consistent with credit union guidelines. Small Business Credit Analyst II must clearly document and communicate the reasoning for their decision. Maintain and strengthen relationships with internal business partners. A Credit Analyst II will mentor junior analysts and be prepared to assist in more complex credit decisions or approve transactions outside of other’s lending authority. Maintain a thorough understanding of the credit union’s underwriting standards, risk philosophy, credit culture and market conditions. Exhibits good leadership ability.
 
TASKS, DUTIES, FUNCTIONS: 
1. Review, analyze, and evaluate small business credit applications based on established credit union policies and apply knowledge of underwriting procedures with loan authority to approve, counter, or deny credit applications by:
 a. Evaluating and ensuring that the transaction is accurate, complete and compliant.
 b. Reviewing required documentation for accuracy and truthfulness.
 c. Applying fraud detection and prevention techniques.
 2. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance.
 3. Responsible for managing communication with member during application review and decisioning process.
 4. Effectively address and resolve all complaints or issues raised by members, internal staff and business partners.
 5. Gather information, perform analysis, and prepare reports as directed by management.
 6. Audit and verify Membership applications in ECM (Enterprise Content Management).
 7. Assist with training originators regarding lending policies, processes, or procedures, administering lending promotional campaigns.
 8. Make recommendations and assist with updating product, policy and procedure materials pertaining to small business lending.
 9. Assist in the preparation of training and/or lending presentations.
 10. Train personnel on lending policies and procedures. Provide work direction, feedback and training to less experienced staff. Mentor others in credit decision making and department procedures and policies.
 11. Perform upgrade validations pertaining to lending systems. Understand the use of the automated loan origination system and recommend efficiency improvements.
 12. May act as a team lead and provide performance feedback to less senior small business credit analysts.
 13. Perform other Lending duties as assigned.
 PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:
 1. Effective oral and written communication skills required to interact with staff, and members to perform constructive follow up on member loan requests, inquiries, and concerns.
 2. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone.
 3. Ability to work required hours which may include weekend shifts and work hours after 6:00 p.m.
 4. Some travel may be required.
 
ORGANIZATIONAL CONTACTS & RELATIONSHIPS: 
1. INTERNAL: Management group and all levels of staff.
 2. EXTERNAL: Members
 
QUALIFICATIONS: 
1. EDUCATION: Successful completion of High School curriculum is required. Associates degree is required, additional work experience may be considered in lieu of degree.
 2. EXPERIENCE: 5+ years in small business lending, in a judgmental lending environment where LOS is used as a guide to make decisions.
 
3. KNOWLEDGE/SKILLS: 
<ul>
<li>Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts.</li>
<li>Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations.</li>
<li>Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting.</li>
<li>Solid interpersonal, oral and written communication skills to build and maintain professional relationships with originator and members.</li>
<li>Good leadership abilities.</li>
<li>Extensive knowledge of small business loan underwriting, credit analysis and reporting.</li>
<li>Possess a high degree of integrity to use judgment to make appropriate and fair lending decisions on behalf of the credit union.</li>
<li>Comprehensive understanding of both branch and indirect credit union lending policies.</li>
<li>Ability to sell and promote product lines, and back up lending decisions in a way that enhance originator relationships.</li>
<li>Time and queue management skills to effectively prioritize multiple objectives.</li>
<li>Intricate understanding of regional lending market conditions and collateral values.</li>
<li>Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations.</li>
<li>Stay up to date on changes within the department, organization, industry and current market conditions.</li>
<li>Must work well in a fast paced and flexible production oriented department.</li>
<li>Analytical skills to include reviewing and understanding complex paystub and personal and corporate tax return documents.</li>
<li>Must be able to pass small business credit training course and demonstrate judgmental underwriting related to credit analysis and Golden 1’s credit risk appetite.</li>
</ul>
PHYSICAL REQUIREMENTS: 
1. Prolonged sitting throughout the workday with occasional mobility required.
 2. Corrected vision within the normal range.
 3. Hearing within normal range. A device to enhance hearing will be provided if needed.
 4. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
 5. Must be flexible with scheduling, including evenings, weekends, and holidays.
 #LI-Remote
 Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
 THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.
 REV. 1/9/2026

Business Service Operations - Small Business Credit Analyst II

TITLE: SR BUSINESS CONTROL ANALYST
 STATUS: EXEMPT
 REPORT TO: SUPERVISOR – RISK AND CONTROL
 DEPARTMENT: OPERATIONS PLANNING AND GOVERNANCE
 JOB CODE: 11854
 PAY RANGE: $85,100.00 – $97,000.00 ANNUALLY
 
GENERAL DESCRIPTION: 
This role supports the Operations Planning and Governance Team within Service Operations, reporting to the Supervisor role of Risk and Control, as the first line of defense Business Control Function. The Senior Analyst will lead collaborative efforts with partners across the organization, enhancing Risk Management and driving the modernization of the Credit Union. In support of the Supervisor, this role will spearhead the development, implementation and management of the control inventory and documentation. This role will design and implement the business unit’s control monitoring program for control effectiveness. This position requires strategic partnership within Service Operations, as well as with the Credit Union’s Compliance, Enterprise Risk Management, and Internal Audit, to ensure alignment and meeting the Credit Union’s and Business’ strategic objectives. This position demands a high level of expertise and leadership to effectively support the organization's risk management and modernization initiatives.
 
TASKS, DUTIES, FUNCTIONS: 
1. Under the supervision of the Risk and Control Supervisor in Operations Planning and Governance, take the lead in assisting design and development of the Business Unit’s First Line Control Monitoring Program.
 2. Lead the identification and documentation of controls across Service Operations, while also pinpointing related regulations/laws impacting the organization. Identify control gaps and recommend strategies to mitigate risk exposure.
 3. Maintain and enhance the continuous Control Monitoring Program by establishing monitoring frequencies using a risk-based approach. Review control effectiveness, focusing on minimizing inherent risks through appropriate controls to achieve acceptable residual risk levels.
 4. Oversee the review of business processes, programs, and procedural documentation to ensure controls are documented accurately. Assign risk ratings to key documents.
 5. Manage the reporting of control measurements, identify and track Key Risk Indicators (KPI) and Key Surveillance Points (KSP) for comprehensive risk analysis, decision-making, and prioritization.
 6. Work closely with the Service Operations Quality Assurance Program to enhance its effectiveness.
 7. Assist in various risk assessments, reviews and audit conducted by Compliance, Enterprise Risk Management, and Internal Audit.
 8. Drive a culture of continuous process improvement by leveraging subject matter expertise to strengthen controls. Collaborate with business leaders and communicate business impacts to leverage synergies and mitigate risks.
 9. Promote risk and control awareness across the organization by establishing and maintaining relationships with key business line analysts and functional stakeholders.
 10. Develop and maintain a deep understanding of pertinent regulatory requirements and inherent risks in Service Operations. Establish and maintain control activities that mitigate those risks in line with the Credit Union’s risk appetite, ensuring operational integrity and compliance with applicable regulations.
 11. Identify and pursue opportunities for continuous improvement and innovation.
 12. Identify opportunities for continuous improvement and innovation.
 
PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK:
 1. Effective oral and written communication skills required to proof-read, review, summarize, and report on complex government rules, regulations, and guidance.
 2. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.
 
ORGANIZATIONAL CONTACTS & RELATIONSHIPS: 
1. INTERNAL: All departments within Service Operations, and other business units including Compliance, Enterprise Risk Management, Internal Audit.
 2. EXTERNAL: Vendors, Regulators
 
QUALIFICATIONS: 
1. EDUCATION: Bachelor’s degree in Business, Finance, or related field preferred. Additional work experience may be considered if individual demonstrates skill level appropriate to the position.
 2. EXPERIENCE: Minimum 7 + years or more of related experience with disciplines noted above with emphasis on risk and control, regulatory compliance and governance required. 3+ years of prior quality assurance/control/review experience, preferably in financial institutions. Experience in related financial institution experience strongly encouraged.
 
3. KNOWLEDGE / SKILLS: 
a. Ability to get work done, knowing when to use judgement to make risk-based decisions with current (and sometimes limited) information
 b. Ability to prioritize workflows, ensure deadlines are met
 c. Excellent written and verbal communication skills, interpersonal and collaborative skills, and exceptional attention to detail
 
PHYSICAL REQUIREMENTS: 
1. Prolonged sitting throughout the workday with occasional mobility required.
 2. Corrected vision within the normal range.
 3. Hearing within normal range. A device to enhance hearing will be provided if needed.
 4. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
 
LICENSES / CERTIFICATIONS: 
Compliance and Risk related certifications desired but not required, such as, Credit Union Compliance Expert (CUCE) and/or NAFCU’s Certified, Compliance Officer (NCCO), Certified Bank Compliance Officer (CBCO), and/or Certified Regulatory Compliance Manager (CRCM) etc.
 #LI-Hybrid
 THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.
 REV. 3/13/2026

Operations Planning and Governance - Sr Business Control Analyst

TITLE: FRAUD & FORENSIC INVESTIGATOR
 STATUS: EXEMPT
 DATE: 09/22
 REPORTS TO: DIRECTOR OF FRAUD SERVICES
 DEPARTMENT: FRAUD SERVICES / PAYMENT OPERATIONS
 JOB CODE: 11248
 GRADE: 20S
 PAY SCALE: $70,400.00 - $78,000.00 ANNUALLY
 
GENERAL DESCRIPTION: 
Serves as the organization’s internal point of contact for ethics violations and improprieties, allegations, complaints and provides leadership and advice on corporate governance issues. Under the direction of the Director of Fraud Services, this position is responsible for conducting internal investigations related to alleged procedural or criminal wrongdoing, as well as oversight of major fraud case investigations. This position is primarily responsible to administer the proactive employee fraud monitoring program, perform analysis and oversee escalated investigations of possible warranted allegations of employee and/or vendor fraud. This position is also responsible for accurate and timely reporting and tracking of identified trends and root cause analysis resulting from employee fraud and insider abuse cases. This employee will partner with HR and Legal to conduct sensitive investigations and assist HR in making employment-related recommendations. This employee has superior personal integrity and ethics, including an exceptional sense of discretion; strong interpersonal skills; ability to communicate clearly, verbally and in writing; excellent organizational skills and attention to detail.
 
TASKS, DUTIES, FUNCTIONS: 
1. Investigate fraud that occurs throughout the Credit Union as perpetrated by employees, vendors, members, and non-members.
 2. Analyze and monitor employee activity for potential evidence of misconduct, wrongdoing and/or illegal activity.
 a. Utilize data analytics and other monitoring tools and report on results of such efforts.
 3. Provide ongoing advisory services to department management to ensure adequate controls are designed into processes and procedures to mitigate inherent risks.
 4. Promptly conduct investigations, in partnership with HR, Legal and other relevant business departments, into complaints and allegations of ethical wrongdoing or conflicts of interest.
 a. Collaborate with Human Resources regarding the outcome of the investigation and necessary employment action.
 b. Prepare written investigative reports as necessary, in conjunction with HR and legal counsel, as appropriate.
 c. Organize and maintain case files and evidence.
 5. Develop and maintain confidential procedures for the handling and processing of complaints and allegations.
 6. Maintain an up-to-date knowledge and understanding of corporate governance requirements, compliance and reporting responsibilities and related legal benchmarks from federal and state law.
 7. Administer and assist with ongoing development of procedures and effective processes related to combating employee fraud.
 8. Seek to continuously develop the investigation tools used in support of this program, ensuring they are reflective of current threats and risk environment.
 9. Assist with the development of employee training material content, ensuring employees are aware of Ethics Hotline as a resource to share concerns/allegations and that existing and emerging risks are addressed.
 10. Identify internal control deficiencies, determine root cause, and oversee remediation efforts.
 11. Prepares summaries of financial transactions for referral to federal and state prosecutors.
 a. Provides testimony and technical support in connection with judicial proceedings
 b. Reviews legal aspects of investigations and recommends action as appropriate.
 12. Travels to complete investigations.
 13. File reports with federal, state or local law enforcement when necessary and/or as directed by management.
 14. Prepare ongoing Senior Management reporting ensuring complete and accurate metrics, trending, and root cause analysis data
 15. Assist with special projects as assigned.
 PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:
 1. Excellent oral and written communication skills
 2. Excellent attention to detail
 3. Strong analytical skills
 4. Ability to identify patterns
 5. Ability to work independently and within a team
 6. Highly organized
 7. Ability to manage multiple high priority and time sensitive investigations simultaneously
 8. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone.
 
ORGANIZATIONAL CONTACTS & RELATIONSHIPS: 
1. INTERNAL: All levels of management and staff.
 
2. EXTERNAL: Law Enforcement, Financial Intelligent Units, peers, legal counsel
 
QUALIFICATIONS: 
1. EDUCATION: 4-year degree (or relevant work experience may be considered in lieu of degree), Preferred Certified Fraud Examiner (CFE) or Certified Forensic Interviewer (CFI) required, or required to obtain within 1st year of employment. An equivalent CA POST certificate (Intermediate or Advanced) may be substituted for the certification.
 2. EXPERIENCE: Minimum 8 year’s fraud/criminal investigation. Law enforcement experience preferred, but not required.
 3. KNOWLEDGE/SKILLS: Investigation and forensic interview, interrogation techniques, experience utilizing analytical tools, behavioral analysis and data mining techniques, solid understanding of financial and insider risk. Due to the confidential nature of this work, respect for confidentiality is of critical importance. Ability to discuss various topics with senior executive leadership and obtain their buy-in is essential for this position. Superior personal integrity and ethics, including an exceptional sense of discretion; strong interpersonal skills; ability to communicate clearly, verbally and in writing; excellent organizational skills and attention to detail are required.
 
PHYSICAL REQUIREMENTS: 
1. Prolonged sitting throughout the workday with occasional mobility required.
 2. Corrected vision within the normal range.
 3. Hearing within normal range. A device to enhance hearing will be provided if needed.
 4. Ability to lift 10 lbs. as may be required.
 5. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
 6. Travel to local and statewide 30% annually. Travel will include Golden 1 branches and other locations by car or public conveyance to perform investigations.
 
LICENSES/CERTIFICATIONS: 
1. Certified Fraud Examiner (CFE) or Certified Forensic Interviewer (CFI) required, or required to obtain within 1st year of employment.
 #LI-Hybrid
 
THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.
 REV. 3/13/2026

Fraud Prevention and Risk Investigations - Fraud and Forensic Investigator

JOB TITLE: Member Service Specialist III
 DEPARTMENT: Branch Channel Delivery
 STATUS: Non- Exempt
 JOB CODE: 2401
 PAY SCALE: $23.50 - $23.50 Hourly
 
GENERAL DESCRIPTION: 
Provide members the highest level of service available in an efficient and courteous manner. Process monetary transactions within assigned limits, maintain accurate records and balance each day’s transactions in accordance with established policies and procedures. Proactively engage with members to identify products and services designed to assist them in achieving their financial goals. Answer questions, and direct members to appropriate department for specialized services.
 
TASKS, DUTIES, FUNCTIONS: 
1. Processes and audits financial transactions including deposits, withdrawals, transfers, payments and general ledger entries while maintaining a cash drawer.
 2. Provides Golden 1 services to member, including but not limited to cashier’s checks, money orders, savings bonds, wire transfers and transactions, additional sub-shares, and debit card issuance.
 3. Assesses members needs while processing transactions.
 4. Identifies opportunities to help members relative to Golden 1 product or service offerings and documents in EnAct system.
 5. Identifies and report fraudulent activity to management and Financial Investigations dept., in accordance with current procedures to prevent potential loss to the credit union.
 6. Assists in the proper operation of the ATM and Teller Cash Dispenser Units including, but not limited to, replacing receipt cartridge, clearing a blockage, etc.
 7. May be required to take the lead for open and closing responsibilities in the absence of MSS IV and above.
 8. Activates alarm.
 9. Verifies signature cards in ECM (Enterprise Content Management).
 10. Check acceptance approval within assigned limits.
 11. Ensures confidentiality of all member and credit union information.
 12. Maintains current knowledge of all Golden 1 products and services, as well as of policies and procedures for teller functions.
 13. Performs additional responsibilities essential to the operations of the branch (TCR, SBO, Safe deposit box, etc...), as needed.
 14. Opens deposit and specialty accounts (e.g., Roth IRA) and identifies members’ financial service needs to ensure members are provided with meaningful financial solutions.
 15. Mentors and advises MSSI’s and MSSII’s.
 16. Develops coaching and leadership skills by observation and training courses.
 17. Engages in consultative dialogue with members to identify current and future financial needs and documents in EnAct system.
 18. Enroll members in the different channels that Golden 1 uses: online, mobile, etc.
 19. Refer member’s home lending/investment needs to the appropriate business partner through EnAct referrals.
 20. Process consumer loan applications and completes the fulfillment of loan when appropriate.
 21. Approves signature cards.
 22. Audits loan reports and provides coaching as needed to avoid future errors.
 23. Provide approvals based on authorized limits as assigned by the Branch Manager.
 24. Notarizes member documents (certification of trust, etc.).
 25. Collects medallion stamp request information and sends to MSS IV or above for approval.
 26. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
 
COMMUNICATION & INTERACTIONS: 
1. Interacts professionally with members.
 2. Communicates in a professional manner (proper grammar, punctuation and tone) in both written and verbal communication.
 3. Effective listener. Communicates with empathy.
 4. Associates member needs based on conversation to G1 products and services.
 5. Overcomes basic objection or resistance through conversation.
 6. Works as part of a team.
 7. Accepts constructive feedback positively and utilize it to help personal and professional development.
 8. Ability to have a consultative dialogue by asking effective questions and connecting to answer to solutions offered by G1.
 9. Communicates the ""why"", not just the ""how"" or ""what".
 10. Overcomes member objections and resistance with a calming and reassuring presence
 11. Demonstrates polished presentation skills, e.g.: Speaks clearly and confidently; Communicates in a clear and concise manner; able to convey complicated information in an understandable manner to the audience.
 12. Demonstrates networking skills, e.g.: Asks effective questions and processes answers; speaks with sincerity; uses positive language; makes friends—not contacts; follows-up on networking conversations.
 
ORGANIZATIONAL CONTACTS & RELATIONSHIPS: 
1. INTERNAL: Participates in team meetings. Frequent routine and complex verbal and written communication with the following departments: Branch Network, Home Loan Reps, IT Help Desk, Deposit Account Servicing, Financial Advisors, Member Development Officers, Call Center (MSCC), Fraud Management, MSSI Training, Loan Processing and Underwriting. Internal conversations are more research focused (e.g., fraud avoidance and account research)
 2. EXTERNAL: Frequent transaction related interactions and consultative conversations with members. Follows-up and initiates conversation with potential members identified at marketing and table events. May be required to sign-in outside vendors and visitors as needed.
 
QUALIFICATIONS: 
1. EDUCATION: High School or GED required.
 2. EXPERIENCE: Minimum two plus year of prior experience in a banker role at another financial institution or customer relationship building role preferred, plus and 1 year as a Member Service Specialist II or teller role at Golden 1 or another financial institution preferred.
 
3. BEHAVIORS: 
<ul>
<li>Fosters a positive and engaging work environment. Treating others with courtesy and respect.</li>
<li>Inspires others through words and actions and embracing G1's mission, vision and core values.</li>
<li>Displays positive, outgoing, and empathetic attitude.</li>
<li>Punctual and reliable.</li>
<li>Results-orientated.</li>
<li>Takes on any task required to meet or exceed all team objectives.</li>
<li>Takes the initiative to identify, investigate and resolve member issues, including operational and support situations.\</li>
<li>Willingness and flexibility in taking on new responsibilities as business requires.</li>
<li>Willingness to learn and master new and emerging banking technology.</li>
<li>Presents Golden Services (Internal/External).</li>
<li>Assumes Positive Intent in all communication.</li>
</ul>
4. KNOWLEDGE/SKILLS: 
<ul>
<li>Functional: Excellent oral and written communication skills. Advanced knowledge in the following areas: Federal Rules and Regulations as applied to credit unions, G1 products (consultative), deposit fulfillment (with Subshares) and Fulfillment, Deposit Services, Lending Services, employee handbook, Knowledge Base (G1 policies and procedures), cash handling, teamwork, and customer service.</li>
<li>Technical: Basic knowledge in the following systems/applications: Microsoft Office (Word, Excel, Outlook and PowerPoint), eFunds, Bridger, Card @ Once, EnAct (referrals, uncovering opportunities and reviewing balances), ECM, Springboard, DSUI / TNav, Wire Exchange, SBO, HRIS (ADP), Concur, Relationship Manager.</li>
<li>Proficient adding profiles and updating tasks, activities and notes in EnAct. Proficient in Maestro and LPQ.</li>
</ul>
PHYSICAL REQUIREMENTS: 
1. Prolonged standing throughout the workday. A teller stool is provided as may be needed.
 2. Ability to lift up to thirty pounds.
 3. Ability to frequently move about the branch to accomplish tasks.
 4. Corrected hearing within normal range. A telephone device to enhance hearing will be provided if needed.
 5. Corrected vision in the normal range.
 6. Possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, including an adding machine and typewriter, if needed.
 
LICENSES/CERTIFICATIONS: 
Certified Notary Public, if required for specific branch.
 REV. 5.11.2023

Bakersfield Branch - Member Service Specialist III (Full-Time)

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