Bank Operations Officer

Bank Operations Officer

Mechanics Bank is currently searching for a Bank Operations Officer to join our team. Here at Mechanics Bank, we value connection, partnership, long term relationships and working together in person. 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.

What you will be doing:

• 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.

Who you are:

• Required High School or GED
• Additional experience may be considered in lieu of degree.
• Senior Level: 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.

ADA Requirements:

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
• The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
• The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
• The employee must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required by this job include close vision.
• The noise level in the work environment is usually moderate.

Pay: $70,500 - $85,000 annually

AIP Bonus up to 7.5%

Our comprehensive employee benefits program is designed for you to live your best life at work, home, and everywhere in between. Employees working 25 hours or more per week are eligible for health benefits effective the first day of the month following or coinciding with their date of hire.

• 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)

Final compensation package will be determined by the work experience, education, and/or skill level of the applicant along with internal equity and alignment with geographic market data.

• Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation or other bases prohibited by applicable law.
• To learn more about Mechanics Bank's California privacy and security policies, including your right to a Notice At Collection as a California Resident, please visit California Privacy Policy for Prospective Employees | Mechanics Bank