Lead Teller/Deposit Specialist

Job Summary

We are seeking an experienced Lead Teller/Deposit Specialist for a direct hire, fully on-site opportunity in Roseville, CA. This role aligns with a Deposit & Payment Risk Specialist II or III level, depending on experience, and is ideal for a banking professional with a strong background in financial institution operations, fraud prevention, deposit risk, and client service.

This is a high-impact opportunity to help protect clients and the Bank from financial fraud, operational risk, and emerging payment threats. You will work with a collaborative Deposit & Payment Risk team that values sound judgment, thoughtful problem-solving, and proactive communication. The environment offers supportive leadership, positive teamwork, professional growth, and the opportunity to become a trusted resource across banking operations.

Key Responsibilities

- Monitor, analyze, and mitigate risks related to check processing, ACH, wire transfers, online banking, mobile deposits, remote deposit capture, and other electronic banking services.
- Investigate suspected and confirmed fraudulent activity, identify transaction patterns, document findings, and recommend appropriate risk-mitigation actions.
- Use fraud prevention and risk-management systems to detect losses, support investigations, and identify emerging fraud trends.
- Partner with clients, branches, and internal teams to resolve escalated situations, support security protocols, and deliver responsive service.
- Prepare complex SAR referrals, loss documentation, and supporting information in accordance with internal procedures and regulatory expectations.
- Provide backup support across back-office banking functions, including ACH, wires, mobile deposit, online banking, and remote deposit capture.

Compensation and Benefits

- Pay range: $23.00 to $35.00 per hour.
- Job type: Direct hire.
- Location: Fully on-site in Roseville, CA.
- Specialist III team members participate in at least 10 hours of CRA volunteer service annually, typically scheduled during business hours and compensable, with mileage reimbursed.

Equal Opportunity Employer / Disabled / Protected Veterans

The Know Your Rights poster is available here:

The pay transparency policy is available here:

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.

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.

Additional Skills

Required Qualifications and Skills

- Investigate fraud activity involving deposits, payments, electronic banking, ACH, wires, checks, and remote deposit capture.
- Monitor risk-management systems, identify emerging fraud trends, and recommend proactive loss-prevention strategies.
- Support escalated client situations, account-loss remediation, SAR referrals, and internal risk documentation.
- Cross-train and provide operational backup for key banking support functions.

- 3+ years of risk experience within a financial institution for Specialist II consideration.
- 3+ years of operations experience within a financial institution for Specialist II consideration.
- 5+ years of risk experience within a financial institution for Specialist III consideration.
- 5+ years of operations experience within a financial institution for Specialist III consideration.
- Proficiency with Microsoft Office Suite, including Word, Excel, and Outlook.
- Strong analytical, investigative, documentation, and problem-solving skills.
- Ability to manage multiple priorities in a fast-paced banking environment.
- Excellent communication, client-service, and follow-through skills.
- Strong judgment, attention to detail, and ability to handle sensitive or high-risk situations professionally.
- Ability to maintain regular attendance and work scheduled hours.

Preferred Qualifications

- Experience with fraud prevention or risk-management systems such as Sentinel, Patrol, Oasis, or similar tools.
- Experience preparing SAR referrals, loss reports, and fraud investigation documentation.
- Strong knowledge of ACH, wire transfers, mobile deposit, remote deposit capture, online banking, and deposit operations.
- Prior experience mentoring junior team members, serving as a subject matter expert, or supporting process improvements in a banking operations environment.