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Deposit Operations Representative Jobs in California

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Deposit Operations Representative information

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$11

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$31

How much do deposit operations representative jobs pay per hour?

As of Sep 12, 2026, the average hourly pay for deposit operations representative in California is $21.02, according to ZipRecruiter salary data. Most workers in this role earn between $16.59 and $23.94 per hour, depending on experience, location, and employer.

What is a deposit operations representative?

A Deposit Operations Representative is a banking professional responsible for supporting and processing various deposit-related transactions and account maintenance tasks. They handle activities such as account openings and closings, funds transfers, reconciliations, and resolving discrepancies or customer inquiries related to deposit accounts. This role ensures accuracy and compliance with banking regulations, and often collaborates with other departments to deliver efficient service. Deposit Operations Representatives play a critical role in maintaining the integrity of a financial institution’s deposit operations.

What are the key skills and qualifications needed to thrive as a deposit operations representative?

To thrive as a Deposit Operations Representative, you need strong knowledge of banking procedures, regulatory compliance, and account management, typically obtained through experience or a degree in finance or business. Familiarity with core banking systems, transaction processing software, and document management tools is commonly required. Attention to detail, problem-solving abilities, and strong organizational skills are vital soft skills in this role. These skills ensure accurate processing, compliance with regulations, and effective customer service in a high-volume financial environment.

What are some common challenges faced by deposit operations representatives, and how can they be successfully managed?

Deposit Operations Representatives often encounter challenges such as managing high transaction volumes, ensuring compliance with regulatory requirements, and resolving discrepancies in customer accounts. Successfully handling these challenges requires strong attention to detail, effective time management, and clear communication skills. Building proficiency with banking software and staying updated on policies can help representatives efficiently process transactions and maintain accurate records, while collaborating closely with colleagues in compliance or customer service departments ensures swift resolution of issues.

What is the difference between Deposit Operations Representative vs Customer Service Representative?

AspectDeposit Operations RepresentativeCustomer Service Representative
CredentialsTypically requires banking or finance knowledge, basic certifications preferredCustomer service skills, sometimes certifications in communication or sales
Work EnvironmentBank branches, back-office banking departmentsCall centers, retail stores, or online support channels
Employer & Industry UsageFinancial institutions, banksVarious industries including banking, retail, telecom
Common Search & ComparisonOften compared for roles in banking operations and transaction processingCompared for direct customer interaction roles

The Deposit Operations Representative primarily handles banking transactions, account maintenance, and back-office processing within financial institutions. In contrast, Customer Service Representatives focus on direct customer interactions, addressing inquiries, and providing support across various industries. While both roles require strong communication skills, the Deposit Operations Representative is more specialized in banking operations, making it the more relevant comparison for those interested in banking-specific roles.

What cities in California are hiring for Deposit Operations Representative jobs?

Cities in California with the most Deposit Operations Representative job openings:

Deposit Operations Representative jobs near you
Infographic showing various Deposit Operations Representative job openings in California as of August 2026, with employment types broken down into 84% Full Time, 12% Part Time, 2% Temporary, and 2% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $43,727 per year, or $21 per hour.

VP Money Movement and Payments

Santa Ana, CA • On-site

Orange County's Federal Credit Union
See more jobs at Orange County's Federal Credit Unionexternal

$161K - $215K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 21 days ago

Key responsibilities

  • Develops and executes the strategic vision and roadmap for payments, money movements, member operations, and card services.

  • Directs all payment channels and money movement services, including ACH, wire transfers, debit and credit cards, Zelle, RTP, FedNow, digital wallets, bill pay, and emerging payments solutions.

  • Partners with teams such as Fraud, Compliance, Risk, and Information Security to mitigate operational, payment, and fraud risks while maintaining a strong control environment.

Job description

Vice President of Money Movement & Payments Opportunity at Orange County’s Federal Credit Union


Compensation: Final offers are based on qualifications, experience, and internal equity. The anticipated range for this role is $161K - $215K annually.

This position is currently hybrid-eligible, with the expectation of three days pre-assigned on-site attendance. This role requires California residency and living within a 50-mile commute of our headquarters in Santa Ana.


At Orange County’s Federal Credit Union, we believe banking should be simple, human, and meaningful. For more than 85 years, we’ve built trusted relationships that empower our members and strengthen our community—because we exist for people, not for profit.

With $2.5+ billion in assets, 140,000+ members, and a legacy of excellence, we’re proud to be voted the Orange County Register’s Best Credit Union for several consecutive years and honored with the Peter Barron Stark Award for Workplace Satisfaction, based on employee voices.

Now, we’re looking for a visionary, hands-on executive leader to help shape the future of our member experience.


Why Orange County’s Federal Credit Union

  • A voice that matters – your ideas help shape our future
  • Authentic, people-first culture grounded in trust and respect
  • Comprehensive benefits from day one, including medical, dental, and vision
  • 401(k) with up to 6% employer match
  • Annual performance bonuses & merit increases
  • Educational grants up to $1,000 annually
  • Generous time off: 
    • 18 vacation days/year (21 after 5 years)
    • 7 sick days/year
    • Paid holidays


POSITION SUMMARY:

The Vice President of Money Movement and Payments is responsible for the strategic direction, operational performance, member experience, and risk management of the Credit Union’s payment ecosystem and member operations functions. This executive oversees money movement services, card programs, and centralized member servicing operations to ensure a seamless, secure, compliant, and member-centric experience across all channels. 


The Vice President serves as the enterprise owner for the payment strategy and execution while leading teams responsible for Member Operations and Card Services. This role partners closely with Technology, Digital Banking, Fraud, Compliance, Retail, Finance, and Business Development to deliver innovative payment solutions and operational excellence. 

ESSENTIAL FUNCTIONS:

  • Develops and executes the strategic vision and roadmap for payments, money movements, member operations, and card services.
  • Provides executive leadership and oversight including established goals, performance expectations, and succession planning initiatives.
  • Directs all payment channels and money movement services including ACH, wire transfers, debit cards, credit cards, Zelle, Real-Time Payments (RTP), FedNow, Digital wallets, bill pay, and emerging payments solutions.
  • Oversees deposit operations, account maintenance, exception processing, IRA administration, and back-office operational support functions.
  • Ensures operational excellence through continuous process improvement, automation, workflow optimization, and service delivery enhancements. 
  • Establishes, monitors, and reports on key productivity metrics, quality measures, and member experience outcomes.
  • Partners with Fraud, Compliance, Risk, and Information Security teams to mitigate operational, payment and fraud risks while maintaining a strong control environment. 
  • Ensures compliance with all applicable regulations and network rules, including NACHA, Regulation E, Regulation CC, BSA/AML, OFAC, card network requirements, and emerging digital asset regulations.
  • Leads vendor selection, contract negotiations, service level management, and ongoing relationship management for payment processors, fintech partners, and card service providers.
  • Evaluates, recommends, and implements innovative payment technologies and money movement solutions that improve member experience and organizational efficiency.
  • Assesses opportunities and risks associated with emerging technologies including stablecoins, digital assets, cryptocurrency, and blockchain-enabled payment solutions.
  • Partners with Technology and Digital Banking teams to deliver payment integrations, system enhancements, and digital channel capabilities. 
  • Develops and manages departmental operating and capital budgets while ensuring prudent financial stewardship.
  • Supports enterprise strategic initiatives and represents the credit union in industry forums, payment networks, and vendor partnerships.
  • Provides regular reporting and recommendations to executive leadership regarding payment trends, operational performance, fraud exposure, and strategic opportunities. 
  • Leads organizational change management efforts related to payment modernization and operational transformation initiatives.
  • Fosters a culture of accountability, innovation, collaboration, and member service excellence.
  • Performs other duties and responsibilities as assigned by executive leadership. 
  • Manages budget and controls expenses effectively.


ASSOCIATE EXPECTATIONS:

  • Consistently practices the Service Philosophy of “Put People First” exercising the Connect, Discover, Deliver & Wow components in every encounter with internal and external members, creating extraordinary experiences. 
  • Cross sells and promotes credit union products and services as opportunities arise.
  • Exhibits the Leaders at All Levels concept of Leading yourself, Leading Up, Leading across Teams, and Leading the Team. 
  • Utilizes personal Strengths to contribute to the Team and the credit union’s success, and exercise awareness of, and utilizes the strengths of others. 
  • Possesses knowledge of, and complies with Bank Secrecy Act (BSA), monitoring and reporting suspicious activity and completing Currency Transactions Reports (CTRs) when appropriate.
  • Effectively conveys information. Communicates with immediate supervisor and the team keeping others advised of progress and/or situations. 
  • Displays behavior that matches the value of Mutual Respect by relating favorably at all levels within the organization.
  • Supports and contributes to the credit union’s strategic plan, mission, vision, and values.
  • Maintains good housekeeping, safety and security measures.
  • Displays professional appearance.
  • Utilizes stress in a productive manner and works well under pressure. 
  • Cooperates with supervisor and with other credit union associates. Projects good will and a positive credit union image.
  • Complies with all Orange County’s Federal Credit Union policies, service standards, safety standards, procedural guidelines, and regulatory compliance, and completes all assigned training. 
  • Has regular and predictable attendance which is essential.
  • Cares for equipment and follows proper guidelines for use.

 

LEADERSHIP:

Undertakes continuous self-development of both functional and leadership skills. Focus and evidence of development in the following:

  • Thinks strategically
  • Executes for results
  • Leads talent
  • Develops personal proficiencies
  • Fosters a shared equity of power
  • Is self-regulating and has strong impulse control
  • Exercises emotional intelligence
  • Facilitates, not controls
  • Inspires commitment
  • Exhibits business financial acumen

 

OTHER DUTIES:

The preceding functions have been provided as examples of the types of work performed by associates assigned to this job classification. Credit Union Management reserves the right to add, modify, change or rescind the work assignments of different positions and to make reasonable accommodations so that qualified associates can perform the essential functions of the job.


  • Performs other work-related duties as assigned.
  • This position is currently hybrid-eligible, with the expectation of three days pre-assigned on-site attendance. This role requires California residency and living within a 50-mile commute of our headquarters.
  • May be a disaster recovery team member or take directives from a disaster team recovery member.


QUALIFICATIONS:

Experience / Training / Education:

  • Bachelor’s degree in Business Administration, Finance, Accounting, Information Systems, or related field required.
  • Master’s degree or MBA preferred.
  • Minimum 10 years of progressive leadership experience in financial services operations, payments, card services, or banking operations.
  • Minimum 5 years of leadership experience managing managers and multiple functional areas.
  • Experience leading payment operations, deposit operations, and card programs within a credit union or financial institution preferred.


Knowledge / Skills / Abilities:

  • Deep understanding of payments, money movement, deposit operations, and card services.
  • Strong knowledge of ACH, cards, wires, RTP, FedNow, disputes, and digital payment channels.
  • Knowledge of regulatory requirements governing payment and deposit operations.
  • Understanding of emerging payment technologies, including stablecoins, digital assets, cryptocurrency, blockchain-based payment rails, and their potential applications within financial services. 
  • Ability to assess the strategic, operational, compliance, and risk implications associated with cryptocurrency and stablecoin payment solutions and partnerships. 
  • Familiarity with evolving regulatory guidance related to digital assets and blockchain-enabled payment ecosystems.
  • Proven ability to lead large-scale operational and technology initiatives.
  • Exceptional communication and stakeholder management skills with the ability to influence decisions across business and technology teams. 
  • Knowledge of credit union rules, regulations, and policies.
  • Effective communication skills both verbally and in writing and excellent telephone manner. 
  • Must have personal computer skills and be proficient with Microsoft programs at an intermediate skill level. 
  • Ability to accurately perform mathematical calculations.
  • Ability to create and maintain accurate reliable records.
  • Requires good memory, knowledge retention skills and ability to multi-task, prioritize projects and duties effectively. 
  • Requires excellent follow-through skills, member relations skills, and sound business judgment.
  • Ability to interface with others in a positive and professional manner.
  • Goal-oriented with a desire to work in a fast-paced and results-driven environment.
  • Demonstrates ability to work independently and be self-directed when necessary as well as the ability to work and accomplish goals in a team environment.


Orange County’s Federal Credit Union is an Equal Opportunity Employer.