Senior Payments Operations Lead

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

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.