Axos

Commercial Deposit and Risk Operations Associate

Los Angeles, CA, USA · Contract

Sponsorship not specifiedDetected 24 days ago

ComplianceResearchCommunicationTime Management

About the role

Axos Bank Target Range: $70,304.00/Yr. - $72,000.00/Yr.
Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Perform ACH Debit Originator Review including return rate monitoring, remediation tracking, and credit utilization analysis to ensure compliance with NACHA operating rules and bank risk standards
Communicate via phone, email, and written correspondence with bank employees, account holders, and other financial institutions to gather information, resolve disputes, and support fraud investigations
Escalate suspicious activity via submission of Questionable Activity Reports (QARs) and support BSA/AML referral processes as appropriate
Maintain a working knowledge of fraud prevention techniques, industry trends, and emerging payment fraud typologies across Wire, ACH, Check, and Real-time payment channels
Assist with developing and updating departmental procedures and controls to enhance operational efficiency, risk mitigation, and regulatory compliance
The Commercial Deposit and Risk Operations Associate provides critical operational and risk management support to the Commercial Banking Operations and Risk teams.
The ability to make sound risk decisions quickly, maintain operational integrity, and collaborate across teams is essential to this role.

High school diploma or equivalent required
Minimum 3-5 years of experience in fraud operations, risk management, or banking operations within a financial institution, with demonstrated expertise in payment fraud across multiple channels
Strong working knowledge of Wire, ACH, Check, and Instant Payment systems, fraud typologies, and applicable regulations including NACHA operating rules, Reg E, and UCC Article 4A
Experience with fraud detection and monitoring platforms
Ability to make time-sensitive, independent risk decisions in a high-volume environment with minimal supervision
Strong analytical and investigative skills with attention to detail and sound judgment in evaluating complex fraud scenarios
Excellent written and verbal communication skills; ability to interact professionally with clients, law enforcement, internal partners, and other financial institutions
Strong organizational and time management skills with the ability to manage multiple priorities and meet deadlines
Medical, Dental, Vision, and Life Insurance
Paid Sick Leave, 3 weeks' Vacation, and Holidays (about 11 a year)
HSA or FSA account and other voluntary benefits
401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading

The Associate is responsible for safeguarding clients' financial transactions and the bank from fraud and financial loss through proactive monitoring, real-time alert decisioning, and comprehensive fraud investigation.

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

Axos is an Equal Opportunity employer.
We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment:
While performing the duties of this position, the employee is required to sit for extended periods of time.
Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.
The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position.

related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, g

This listing is sourced directly from Axos's careers page and normalized into a canonical job model.