Deposit Operations

We are seeking a detail-oriented Deposit Operations professional for an opportunity in El Monte, CA. This role is ideal for a banking operations specialist with experience in ACH processing, deposit account maintenance, regulatory reporting, IRA support, and operational research.

This position offers the opportunity to work in a structured, collaborative banking environment where accuracy, compliance, and responsive internal service are highly valued.

The Deposit Operations role supports branch teams, internal departments, and operational leadership by resolving exceptions, maintaining account documentation integrity, and supporting regulatory requirements.

Candidates who enjoy problem-solving, researching complex account activity, and serving as a knowledgeable resource for others will find this opportunity especially rewarding.

The work environment is well-suited for professionals who value teamwork, supportive leadership, procedural clarity, and the opportunity to strengthen their banking operations expertise.

This role can also provide valuable exposure to audit support, process improvement, regulatory procedures, and cross-functional banking operations.

• Process ACH exceptions, stop payment requests, unauthorized transaction claims, ACH research requests, and related remediation with branches, departments, and external financial institutions.
• Perform dormant account and escheat activities for deposit accounts, official checks, and safe deposit boxes in accordance with procedures and state requirements.
• Support Regulation O account maintenance, overdraft status notifications, IRS certifications, B-Notice and C-Notice processing, W-8
  
  BEN-E reviews, FATCA procedures, and deposit reporting accuracy.
• Provide advanced IRA operational support, including centralized IRA transactions, new account documentation reviews, and account maintenance.
• Review daily deposit service workflows, privacy opt-out requests, complex account maintenance requests, and assigned quality control checks.
• Assist with audit and examination support, desktop procedure updates, authorized signature book coordination, user acceptance testing, conversions, and peer guidance.

• Process ACH exceptions, stop payments, unauthorized transaction claims, and deposit operations research requests.
• Maintain deposit account records, support regulatory reporting, and complete account maintenance workflows.
• Provide IRA operational support, documentation reviews, and branch assistance on assigned deposit operations functions.
• Support audit requests, quality checks, procedure updates, and operational issue escalation.
• Minimum of three years of progressively responsible experience in branch operations, deposit operations, regulatory reporting, ACH operations, IRA administration, or related banking operations.
• Strong working knowledge of deposit operations and applicable banking regulations, including ACH processing, NACHA Operating Rules, Regulation E, Regulation O, IRS reporting requirements, FATCA, the Right to Financial Privacy Act, and state unclaimed property requirements.
• Experience handling complex operational research, exceptions, account maintenance, documentation review, or regulatory-related processing.
• Proficiency with Microsoft Office applications and bank operating systems.
• Strong analytical, research, critical-thinking, and problem-solving skills.
• Ability to organize work independently, meet deadlines, resolve non-routine issues within established authority, and recognize when escalation is required.
• Strong written, verbal, and interpersonal communication skills with the ability to explain procedures clearly to branch and operations team members.

• Associate’s degree in Business, Finance, Accounting, or a related field, or an equivalent combination of banking experience.
• Experience supporting audit or examination requests in a banking operations environment.
• Experience with IRA administration, deposit regulatory reporting, ACH operations, or unclaimed property processing.
• Bilingual English/Mandarin or Cantonese skills are a plus.

• Process ACH exceptions, stop payments, unauthorized transaction claims, and deposit operations research requests.
• Maintain deposit account records, support regulatory reporting, and complete account maintenance workflows.
• Provide IRA operational support, documentation reviews, and branch assistance on assigned deposit operations…