Operations Officer-Banking Industry

AppleOne Employment Services; Los Altos (CA); On-site; USD 85,000 - 95,000; Full time

Benefits offered by this job

Great benefits

Job summary

AppleOne Employment Services in Los Altos, CA is seeking an experienced Payments Operations Officer for a direct hire, full-time onsite role. You will oversee deposit operations, ACH processing, wire transfers, check processing, and payment compliance to ensure accuracy and regulatory alignment.

You will partner with risk, compliance, and treasury teams, monitor daily volumes, manage dispute resolution, and drive operational excellence with a strong emphasis on controls and customer service.

Qualifications

• Manage daily deposit operations, payment processing, and transaction maintenance for consumer and business banking products.
• Oversee ACH, wire transfer, check processing, and card transaction activity with a focus on accuracy, timeliness, and compliance.
• Support dispute resolution, risk mitigation, and process improvement initiatives.
• Collaborate with compliance, risk management, and treasury teams to ensure secure and efficient banking operations.
• 6–10 years of relevant banking operations, payments operations, deposit operations, or similar financial services experience.
• Strong knowledge of ACH processing, wire transfers, check processing, deposit account maintenance, and payment operations.
• Understanding of NACHA rules, Fedwire regulations, settlement requirements, and banking compliance standards.
• Experience with ACH returns, wire recalls, check disputes, and debit or credit card chargeback processes.
• Strong attention to detail, organizational skills, and ability to manage deadlines in a high-volume operations environment.
• Excellent problem-solving, communication, and cross-functional collaboration skills.
• Ability to work onsite in Los Altos, CA, Monday through Friday.

Responsibilities

• Oversee processing and maintenance of deposit accounts, including checking, savings, time deposits, and business and consumer deposit products.
• Manage payment operations for domestic and international wires, ACH RDFI and ODFI activity, check processing, and debit or credit card transactions.
• Ensure payment activity complies with NACHA rules, Fedwire regulations, settlement deadlines, and applicable banking standards.
• Monitor daily payment volumes and support timely, accurate processing of critical banking transactions.
• Oversee dispute resolution activity, including ACH returns, wire recall requests, check disputes, and debit or credit card chargebacks.
• Partner with risk management, compliance, and treasury teams to improve processes, strengthen controls, and reduce operational risk.

Skills

Deposit operations

ACH processing

Wire transfers

Check processing

Payment compliance

NACHA rules

Fedwire regulations

Dispute resolution

Risk management

Cross-functional collaboration

Attention to detail

Job description

Job Summary

We are seeking an experienced Payments Operations Officer for a direct hire opportunity in Los Altos, CA. This full-time banking operations role is ideal for a detail-oriented professional with strong experience in deposit operations, ACH processing, wire transfers, check processing, and payment compliance.

The Payments Operations Officer will help manage critical day-to-day payment and deposit operations while supporting accuracy, efficiency, compliance, and risk mitigation. This opportunity offers a stable, professional banking environment with supportive leadership, strong teamwork, and a focus on operational excellence.

This is a strong fit for a self-motivated banking professional who enjoys solving operational challenges, partnering with risk, compliance, and treasury teams, and contributing to a secure and efficient payments operation. The role offers meaningful responsibility, visibility across key banking functions, and the chance to make a direct impact on service quality and operational performance.

Key Responsibilities

• Oversee processing and maintenance of deposit accounts, including checking, savings, time deposits, and business and consumer deposit products.
• Manage payment operations for domestic and international wires, ACH RDFI and ODFI activity, check processing, and debit or credit card transactions.
• Ensure payment activity complies with NACHA rules, Fedwire regulations, settlement deadlines, and applicable banking standards.
• Monitor daily payment volumes and support timely, accurate processing of critical banking transactions.
• Oversee dispute resolution activity, including ACH returns, wire recall requests, check disputes, and debit or credit card chargebacks.
• Partner with risk management, compliance, and treasury teams to improve processes, strengthen controls, and reduce operational risk.

Compensation and Benefits

• Salary range: $85,000 to $95,000 per year.
• Job type: Direct hire, full-time, exempt.
• Schedule: Onsite, Monday through Friday.
• Location: Los Altos, CA 94022.
• Benefits: Great benefits provided.

Required Qualifications and Skills

• Manage daily deposit operations, payment processing, and transaction maintenance for consumer and business banking products.
• Oversee ACH, wire transfer, check processing, and card transaction activity with a focus on accuracy, timeliness, and compliance.
• Support dispute resolution, operational controls, risk mitigation, and process improvement initiatives.
• Collaborate with compliance, risk management, and treasury teams to ensure secure and efficient banking operations.
• 6 to 10 years of relevant banking operations, payments operations, deposit operations, or similar financial services experience.
• Strong knowledge of ACH processing, wire transfers, check processing, deposit account maintenance, and payment operations.
• Understanding of NACHA rules, Fedwire regulations, settlement requirements, and banking compliance standards.
• Experience with ACH returns, wire recalls, check disputes, and debit or credit card chargeback processes.
• Strong attention to detail, organizational skills, and ability to manage deadlines in a high-volume operations environment.
• Excellent problem-solving, communication, and cross-functional collaboration skills.
• Ability to work onsite in Los Altos, CA, Monday through Friday.

Preferred Qualifications

• Prior experience in a bank, credit union, or consumer lending environment.
• Experience supporting both RDFI and ODFI ACH activity.
• Familiarity with payment risk controls, audit support, and operational procedure improvement.
• Demonstrated ability to partner effectively with treasury, compliance, and risk management teams.

Equal Opportunity Employer / Disabled / Protected Veterans

The Know Your Rights poster is available here: https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf

The pay transparency policy is available here: https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf

For temporary assignments lasting 13 weeks or longer, AppleOne 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.

AppleOne participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program. https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf

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.