Central Operations Specialist III (Banking)

Australia-Employment; Riverside (CA); On-site; USD 55,000 - 65,000; Full time

Job summary

Jobot is a relationship-focused commercial bank dedicated to supporting local businesses, entrepreneurs, and the communities it serves. This Central Operations Specialist III role requires advanced knowledge of wires, reconciliations, legal processing, and payment operations, with the ability to independently handle complex tasks and escalate when needed.

Based in Riverside, CA, this on-site, permanent position offers a clear path to mentor colleagues, support audits, and drive regulatory

Qualifications

• High school diploma or equivalent required.
• Five or more years of financial institution operations experience required.
• Advanced experience in reconciliations, ACH, legal processing, wire operations, or accounting functions preferred.

Responsibilities

• Process legal orders affecting deposits and customer funds in accordance with laws and internal procedures.
• Release outgoing wires and troubleshoot wire-processing issues.
• Perform daily and monthly reconciliations and resolve exceptions.
• Prepare Federal Reserve deposit difference reports and related adjustments.
• Provide back-up coverage and mentor junior team members.
• Deliver excellent service and support audits and compliance reviews.

Skills

Wires operations

Reconciliations

Legal processing

Payments processing

Regulatory compliance

Education

High school diploma or equivalent

Job description

Central Operations Specialist III (Banking) (M-F Schedule)

$55000 - $65000 per year | Riverside, CA | On-site | Permanent

Take ownership of complex banking operations in a senior-level role where your expertise in wires, reconciliations, legal processing, and payment operations will make a visible impact.

A bit about us:

Our client is a relationship-focused commercial bank dedicated to supporting local businesses, entrepreneurs, and the communities it serves. Known for personalized service, strong leadership, and a collaborative culture, the organization gives employees meaningful opportunities to make an impact, broaden their banking expertise, and grow professionally within a thriving community-focused environment.

Why join us?

• Senior-level impact: Own complex banking operations and serve as a trusted resource for the team.
• Broad exposure: Build expertise across wires, reconciliations, legal processing, payments, and compliance.
• Career growth: Develop your skills, mentor junior employees, and pursue advancement within a growing organization.
• Collaborative culture: Join a relationship-focused team where accountability, partnership, and individual contributions are valued.

Job Details

The Central Operations Specialist III performs complex payment, operational, and administrative duties in support of banking offices and customers. This senior-level role requires advanced knowledge of business and consumer banking products, the ability to independently complete routine and complex tasks, and sound judgment to identify, research, resolve, or raise exceptions.

The Specialist III handles higher-risk transactions, performs reconciliations with minimal supervision, serves as an escalation resource for operational issues, provides guidance and mentoring to junior team members, and supports audit, examination, and compliance readiness while ensuring adherence to organizational policies, procedures, and regulatory requirements.

Primary Responsibilities

Legal Processing

• Process levies, subpoenas, summons, garnishments, restraining notices, and other legal orders affecting deposit accounts or customer funds in accordance with applicable laws, court requirements, and internal procedures.
• Research, document, and resolve legal processing exceptions, escalating issues when appropriate.

Wire Operations

• Release outgoing wires in accordance with established procedures, authorization limits, and dual-control requirements.
• Troubleshoot wire-processing issues and serve as a resource for complex exceptions.
• Provide guidance and operational support to junior team members as needed.

Operations & Reconciliations

• Process incoming and outgoing adjustments, including check number corrections, as well as incoming and outgoing collections.
• Prepare and balance Federal Reserve deposit difference reports and related adjustments.
• Perform daily and monthly reconciliations independently, research outstanding items, and resolve or elevate exceptions in a timely manner.
• Manage cash orders, shipments, inventory, and balancing activities.
• Complete callback functions, including debit card and dormant account maintenance.
• Prepare and support IOLTA daily, monthly, quarterly, and annual reporting.

Back-Up Support

• Provide advanced back-up coverage for other Central Operations responsibilities.
• Serve as a resource for complex issues involving electronic image management, wires, legal processing, and reconciliations.

Additional Responsibilities

• Deliver excellent service to internal and external customers.
• Complete required training within assigned deadlines.
• Comply with all organizational policies, procedures, and applicable regulatory requirements.
• Serve as an escalation point for operational questions, transaction exceptions, and processing issues.
• Provide training, guidance, and mentoring to junior team members to promote accuracy, consistency, and cross-functional coverage.
• Support internal audits, external examinations, and compliance reviews by maintaining accurate records, preparing documentation, and responding to information requests.
• Identify operational risks, process gaps, and control issues and elevate concerns to management as appropriate.

Knowledge & Skill Requirements

• Working knowledge of state and federal laws and regulations affecting the financial services industry, including the Bank Secrecy Act (BSA), USA PATRIOT Act, Anti-Money Laundering (AML) requirements, Customer Identification Program (CIP), customer privacy requirements, and Community Reinvestment Act (CRA).
• Advanced operational knowledge of deposit products, payment processing, reconciliations, and legal order processing.
• Strong analytical, problem-solving, and risk-management skills.
• Ability to work independently, prioritize responsibilities, and meet deadlines in a detail-oriented environment.
• Effective communication, leadership, and mentoring skills.
• Ability to support audit, examination, and compliance readiness.

Education & Experience

• High school diploma or equivalent required.
• Five or more years of financial institution operations experience required.
• Advanced experience in reconciliations, ACH, legal processing, wire operations, or accounting functions preferred.

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Jobot also prohibits harassment of applicants or employees based on any of these protected categories. It is Jobot’s policy to comply with all applicable federal, state and local laws respecting consideration of unemployment status in making hiring decisions.

Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.

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