IRA Certificate Technician

Golden1; Sacramento (CA); On-site; USD 32,373 - 35,128; Full time

Job summary

Golden 1 Credit Union in California seeks an experienced IRA Certificate Technician to verify and document IRA and Certificate information with accuracy and compliance. You will support members with professionalism, handle regulatory requirements, and maintain detailed records in a fast-paced environment.

Responsibilities include documentation, account maintenance, and effective communication with members and teams, while contributing to process improvements and excellence in member service.

Qualifications

• H.S. Diploma or GED required.
• Bachelor’s Degree in finance, accounting, business administration or related field preferred.
• 2+ years IRA account processing experience in the financial services industry required.
• 1+ years experience with IRA Escheatment and Dormant account handling required.
• 3+ years experience in member service with strong operational knowledge in the financial industry required.

Responsibilities

• Verify and meticulously document all information pertaining to IRAs and Certificates, ensuring accuracy and completeness.
• Stay updated on regulatory requirements and ensure procedures adhere to standards; understand contribution limits and distribution rules.
• Maintain organized records of interactions, transactions, and communications related to IRA and Certificate accounts.
• Communicate with members and internal teams professionally in written and verbal form.
• Manage heavy call volumes while maintaining call handling times and meeting KPIs.

Education

H.S. Diploma or GED

Bachelor’s Degree in finance, accounting, business administration or related field

Job description

Job Description

Posted Wednesday, July 22, 2026 at 10:00 AM

Job Title: IRA Certificate Technician

Status: Non-exempt

Reports to: Supervisor - IRA Certificates Servicing

Department: Deposit Account Servicing

Job Code: 11638

Pay Range: $23.50 - $25.50 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: You are a detail-oriented and member-focused IRA and Certificate specialist with strong knowledge of regulatory requirements and account processing. You thrive in a fast-paced environment, delivering accurate, compliant, and timely service while managing complex transactions, resolving issues, and supporting members with professionalism, care, and integrity. You are committed to continuous learning, process improvement, and collaboration, helping drive operational excellence and an exceptional member experience.

WHAT YOU'LL DO:

• Verification and Documentation: Verify and meticulously document all relevant information pertaining to IRA’s and Certificates, ensuring accuracy, authenticity, and completeness.
• Regulatory Compliance: Stay updated on financial industry regulations for IRA’s and Certificates and ensure that all procedures related to IRA’s and Certificate accounts adhere to these standards. Must successfully maintain all IRA regulatory and compliance courses and apply knowledge to daily tasks. Understand contribution limits, and distribution rules.
• Record-Keeping: Maintain organized and detailed records of all interactions, transactions, and communications related to IRA’s and Certificate accounts. Excellent organizational skills and time management to manage multiple tasks and meet sensitive deadlines.
• Communication: Strong written and verbal communication with members and internal teams, while demonstrating professionalism.
• Phone Call responsibilities: Manage heavy call volumes while maintaining call handling times and being evaluated on key performance indicators, such as call resolution time, member satisfaction and adherence to company protocols.
• Account Maintenance: Review and adjust IRA investments that align with member’s requests and tax laws and regulations. In addition to preparing and index documents accurately.
• Problem Resolution: Address and correct issues or discrepancies with the ability to navigate complex IRA situations with tact and diplomacy.
• Training and Development: Stay informed about industry best practices and participate in training sessions to enhance proficiency in performing the tasks associated with IRA and Certificate account processing * Maintain IRA certification.
• Collaborate with next of kin, and other relevant parties to obtain necessary documentation and information required for IRA beneficiary disbursement and account closure.
• Digital expectation: Identify and propose process optimization, with a digital innovation focus, to enhance the operational performance. Support implementation of digitally focused projects, which include participating in testing new IRA solutions.
• Engagement participation: Foster a positive, inclusive work environment that inspires others through words and actions; motivate other employees by embracing and practicing Golden 1’s mission, vison, and core values.
• Dormant and Escheatment: Seek out members with IRA’s and Certificates to prevent their funds from being escheated to the State.

QUALIFICIATIONS AND PREFERENCES:

• H.S. Diploma or General Education Degree (GED) or equivalent required
• Bachelor’s Degree in finance, accounting, business administration or a related field preferred
• 2+ years hands-on experience specifically in IRA account processing within the financial services industry, demonstrating a deep understanding of the intricacies and complexity of managing such accounts required
• 1+ years experience with IRA Escheatment and Dormant account handling required
• 3+ years experience in member service with strong background in operational knowledge in the financial industry required

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.

commitment to Diversity, Equity and Inclusion.

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.