Deposit Operations Specialist

Job Summary

A growing banking and consumer lending organization is seeking a Deposit Operations Specialist for a direct hire opportunity in Los Altos, CA. This role is ideal for a detail-oriented banking operations professional with strong experience in deposit account servicing, ACH, wires, check processing, card transactions, exception handling, and regulatory compliance. The Deposit Operations Specialist will play a key role in ensuring accurate, timely, secure, and compliant deposit and payment operations.

This position offers the opportunity to work closely with risk management, compliance, finance, treasury, vendors, and internal operations teams in a collaborative environment that values ownership, process improvement, accountability, and operational excellence. This is a strong opportunity for someone who enjoys solving problems, improving workflows, supporting critical banking functions, and contributing to a high-performing team within a stable and professional financial services environment.

• Oversee daily deposit operations, including checking, savings, time deposits, account maintenance, transaction posting, deposits, withdrawals, and fund transfers.
• Manage payment operations including ACH RDFI and ODFI activity, domestic and international wires, check processing, debit and credit card transactions, returns, recalls, disputes, and chargebacks.
• Ensure compliance with applicable banking and payment regulations, including NACHA rules, Regulation E, UCC Article 4A, BSA/AML, KYC requirements, Fedwire standards, and related processing guidelines.
• Investigate and resolve processing exceptions, customer disputes, payment errors, fraud concerns, and operational issues in partnership with internal teams and third-party vendors.
• Prepare reconciliations and daily, weekly, and monthly reporting related to deposit and payment activity while maintaining accurate documentation for audits and regulatory reviews.
• Support system integrity, vendor coordination, process improvements, operational risk mitigation, and implementation of payment technology enhancements.

• Salary range: $85,000 to $90,000 per year.
• Job type:
  Direct hire.
• Location:
  
  Los Altos, CA.

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For temporary assignments lasting 13 weeks or longer, Apple One is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

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We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants:
Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.