IRA Certificate Technician

Golden 1 Credit Union; Sacramento (CA); On-site; USD 49,000 - 53,200; Full time

Job summary

Golden 1 Credit Union seeks an IRA Certificate Technician to verify and document IRA and Certificate information, stay current on regulations, and maintain detailed records. You will handle high call volumes with professional communication and assist with beneficiary disbursement and account closure.

Ideal candidates have IRA processing experience, plus knowledge of escheatment and dormant accounts, with a strong customer-service background in financial services.

Qualifications

• 2+ years in IRA account processing within financial services.
• 1+ years experience with IRA escheatment and dormant accounts.
• 3+ years in member service with operational knowledge in financial industry.

Responsibilities

• Verify and document all relevant information for IRA and Certificate accounts.
• Stay updated on IRA regulatory requirements and ensure compliance.
• Maintain organized records of interactions and transactions.
• Communicate professionally with members and internal teams.
• Manage high call volumes with efficient handling and KPI focus.
• Review and adjust IRA investments in line with member requests and tax laws.
• Address issues in IRA situations with tact and diplomacy.
• Participate in training and pursue IRA certification, enabling digital enhancements.
• Collaborate to obtain documentation for IRA beneficiary disbursement and account closure.
• Identify opportunities for process optimization with a digital focus.

Skills

IRA account processing

Regulatory compliance

Member service

Record-keeping

Education

High school diploma or GED

Bachelor’s degree in finance or related field

Job description

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.

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.