On-Chain Operations Lead: Crypto Wallets & Liquidity

Charles Schwab Corporation; Phoenix (AZ); On-site; USD 120,000 - 180,000; Full time

Job summary

Charles Schwab Corporation in Phoenix is seeking an individual contributor for the On-Chain Operations team to execute and improve day-to-day wallet operations supporting Schwab’s crypto offering. You will partner with Security, Risk, Technology, Accounting, and external wallet providers to safeguard digital assets and ensure accurate processing, reporting, and controls.

Responsibilities include monitoring wallet balances, reviewing and processing deposits/withdrawals, managing UTXO inventories,

Qualifications

• 3+ years of experience in operations with emphasis in crypto custody or wallet operations, settlement, liquidity management, or asset reconciliation.
• Knowledge of blockchain fundamentals, hot/cold wallet architecture, UTXO-based and account-based chains, fees, and address formats.
• Experience with digital asset deposits, withdrawals, wallet transfers, and exception management.
• Knowledge of private key/address lifecycle management, including multisignature and MPC architectures.
• Experience with transaction monitoring solutions, treasury tools, reconciliation platforms, and case management systems.
• Experience performing digital asset transactions within defined approval limits and security controls.
• Experience supporting audits, risk assessments, control testing, and remediation tracking.
• Strong analytical and problem-solving skills; ability to interpret transaction data and blockchain activity.
• Proficiency with SQL, reporting, and workflow automation; basic programming a plus.
• Ability to work independently within established authority and manage multiple priorities.

Responsibilities

• Monitor hot and cold wallet balances, identify liquidity needs, and rebalance as necessary.
• Execute independent transaction review and processing activities.
• Participate in transaction policy control creation and enforcement.
• Manage UTXO inventories, consolidation requirements, and fee implications.
• Support implementation of wallet operations automation.
• Investigate and process coin returns.
• Investigate and resolve wallet, blockchain, and transaction issues.
• Provide 24/7 operational coverage for transaction processing through shifts or on-call rotation.
• Perform asset reconciliations, investigate discrepancies, and maintain evidence.
• Provide records and support for audits or examinations.
• Create and maintain operating procedures and training materials; cross-train team members.

Skills

3+ years experience

Blockchain fundamentals

Deposits/Withdrawals

Private key lifecycle

Transaction monitoring

Audits & risk

Analytical skills

SQL / reporting tools

Basic programming

Independent work

Tools

SQL

Reporting tools

Workflow automation

Job description

Charles Schwab Corporation in Phoenix is seeking an individual contributor for the On-Chain Operations team to execute and improve day-to-day wallet operations supporting Schwab’s crypto offering. You will partner with Security, Risk, Technology, Accounting, and external wallet providers to safeguard digital assets and ensure accurate processing, reporting, and controls.

Responsibilities include monitoring wallet balances, reviewing and processing deposits/withdrawals, managing UTXO inventories,