Bank Operations Officer

Mechanics Bank•Irvine, CA

2d•Onsite

About The Position

Mechanics Bank is currently searching for a Bank Operations Officer to join our team. This role will be working on-site. Responsibilities will include the review and approval of ACH Origination, Remote Deposit Capture and Wire Transfer services, limits and exception transactions (over limits) for our business clients, within Bank guidelines. The review may include fraud analysis for risk mitigation. This role will provide support to branch (both Retail and Commercial), and Treasury Management (both Sales and Operations) members through inbound calls, email and fulfillment of service requests, as it relates to the review and approval of ACH Origination and Remote Deposit Capture services and manual wire transfers.

Requirements

High School or GED
Minimum 5 Years of Experience
Strong knowledge of Treasury Management products and services.
General knowledge of Federal and State banking regulations pertaining to Online Banking, Remote Deposit Capture and ACH Operations.
Adhere to Bank’s security and audit procedures as well as industry rules and regulations.
Strong decision-making and risk analysis skills.
Excellent ability to explain processes clearly and understandably.
Excellent organizational skills and attention to detail.
Excellent written, oral, and interpersonal communication skills.
Proficient skill in Microsoft Office Suite applications.

Nice To Haves

Additional experience may be considered in lieu of degree.

Responsibilities

Performs review and approval for new and/or updated services and transaction limits for Prefunded ACH Credit Origination and Remote Deposit Capture. Including reviewing documentation received to ensure accuracy and completeness and that the proper approvals were received.
Performs review and approval for exception transactions (over limits) for Remote Deposit Capture, Pre Funded Credit ACH Origination, Non-prefunded ACH Credit or ACH Debit originated transactions within Bank guidelines.
Ensures proper approvals and verifications were obtained prior to approving/releasing transactions.
Performs review and approval of periodic service reviews for Prefunded ACH Credit Origination and Remote Deposit Capture clients.
May recommend further review and on-site visit for RDC clients when deemed necessary.
Provides support to Bank staff with questions pertaining to the requirements and approval of ACH Origination and Remote Deposit Capture services.
Monitors exception transactions on a regular basis and make recommendations for permanent limit increases to the relationship managers.
Monitors customer and transactional records to identify unauthorized transactions and fraudulent accounts.
Performs outbound callback verification to customers using approved contact information on file to confirm the authenticity and accuracy of wire transfer requests and ensure the transfer was authorized by the customer.
Identifies any unusual or suspicious activity to determine any potential risk or service misuse, when performing service and/or transaction reviews.

Benefits

Medical, prescription, dental, and vision coverage for employees and their eligible family members
Employer paid Employee Assistance Program, Life Insurance, AD&D, and Disability benefits
Health Savings Account with employer contribution
Healthcare and Dependent Care Flexible Spending Accounts and Commuter/Parking Benefit
401(k) and Roth 401(k) with company contribution
529 Education Savings plan, Tuition Reimbursement Program and Student Loan Assistance Program
Supplemental Health plans, Voluntary Legal and Identity Theft Services
11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year
Free personal checking and savings account
Discounted rates on primary residence loan with $0 origination fees (restrictions apply)