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Ira Representative Jobs (NOW HIRING)

RES

IRA - Administrative Assistant

Palmer, TX · On-site

$18 - $21/hr

Assists and supplies data as requested for IRA compliance * Administers project documentation and ... The work environment and physical demands characteristics are representative of those the employee ...

RES

IRA - Administrative Assistant

Palmer, TX · On-site

$18 - $21/hr

Assists and supplies data as requested for IRA compliance * Administers project documentation and ... The work environment and physical demands characteristics are representative of those the employee ...

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Ira Representative information

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$24.5K

$44.2K

$77K

How much do ira representative jobs pay per year?

As of Jun 30, 2026, the average yearly pay for ira representative in the United States is $44,219.00, according to ZipRecruiter salary data. Most workers in this role earn between $37,500.00 and $43,000.00 per year, depending on experience, location, and employer.

What happens if I put 2000 in a Roth IRA?

As an IRA representative, contributing $2,000 to a Roth IRA allows your investment to grow tax-free, provided you meet income and contribution limits. Contributions can be made at any age if you have earned income, and the annual contribution limit for 2023 is $6,500 or $7,500 if you're age 50 or older. Excess contributions may incur penalties, so it's important to stay within the limit and adhere to IRS rules.

What does an IRA specialist do?

An IRA specialist manages and administers individual retirement accounts, providing clients with guidance on account setup, contributions, and withdrawals. They ensure compliance with regulations, maintain accurate records, and often use financial software to track account activity and advise clients on investment options.

What is the difference between Ira Representative vs Financial Advisor?

AspectIra RepresentativeFinancial Advisor
CredentialsTypically requires FINRA licenses (e.g., Series 6, 7)Often holds certifications like CFP, CFA, or ChFC
Work EnvironmentPrimarily works for broker-dealers or investment firmsWorks independently or for financial planning firms
Industry UsageCommonly employed in brokerage and investment firmsUsed across banking, independent advisory, and wealth management
Primary FocusRecommending and selling investment productsProviding comprehensive financial planning and advice

While both roles involve investment knowledge, an Ira Representative mainly focuses on selling investment products and requires specific FINRA licenses. A Financial Advisor offers broader financial planning services and often holds advanced certifications. The choice depends on whether you seek product sales or holistic financial guidance.

What job makes $10,000 a month without a degree?

An IRA (Individual Retirement Account) representative typically does not earn $10,000 a month solely from the role, as it is a financial advisory position often requiring industry certifications and experience. High earnings in finance-related roles, such as financial advisors or sales professionals, can reach that level through commissions and bonuses, but these usually require relevant skills, licenses, and a strong client base. Most jobs that pay $10,000 monthly without a degree are in sales, real estate, or entrepreneurship, rather than specific roles like IRA representatives.

What are some common challenges faced by IRA Representatives, and how can they be addressed?

IRA Representatives often encounter challenges such as staying updated with constantly changing IRS regulations, managing a high volume of client inquiries during tax season, and accurately processing complex IRA transactions. To overcome these challenges, it is important to engage in ongoing training, utilize up-to-date financial software, and collaborate closely with compliance teams. Building strong communication skills and organizing tasks efficiently can also help maintain accuracy and provide excellent customer service.

What is an IRA Representative?

An IRA Representative is a financial professional who specializes in assisting clients with Individual Retirement Accounts (IRAs). They provide guidance on opening and managing IRAs, help clients understand different types of IRAs (such as Traditional and Roth), and ensure compliance with IRS rules and regulations. IRA Representatives may also help clients with rollovers, distributions, beneficiary designations, and answer questions about contribution limits and tax implications. Their primary goal is to help individuals plan and manage their retirement savings effectively.

What are the key skills and qualifications needed to thrive as an IRA Representative, and why are they important?

To thrive as an IRA Representative, you need a solid understanding of retirement account regulations, financial products, and customer service best practices, often supported by a relevant degree and FINRA Series 6 or 7 certification. Familiarity with financial software platforms, CRM systems, and compliance tools is typically required. Strong communication, attention to detail, and problem-solving abilities help build client trust and handle complex account inquiries efficiently. These skills and qualifications are crucial for ensuring regulatory compliance, providing accurate guidance, and delivering excellent client experiences in the financial services industry.

How much does an IRA specialist make?

An IRA specialist typically earns between $45,000 and $70,000 annually, depending on experience, location, and employer. They often work in financial services, assisting clients with retirement account management and compliance.
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Ira Representative jobs near you
Infographic showing various Ira Representative job openings in the United States as of June 2026, with employment types broken down into 5% Internship, 8% As Needed, 74% Full Time, 11% Part Time, and 2% Contract. Highlights an 72% Physical, 1% Hybrid, and 27% Remote job distribution, with an average salary of $44,219 per year, or $21.3 per hour.

Certificates, IRA & Tax Reporting Representative I/II

Tower Federal Credit Union

Laurel, MD

$23.06 - $28.83/hr

Full-time

Posted 7 days ago

Key responsibilities

  • Provides member service for Share Certificates, Individual Retirement Accounts (IRA), and Trust Accounts.

  • Processes transactions including opening, closing, additions, withdrawals, and ownership changes for Certificates of Deposit (CDs).

  • Verifies daily reports such as new deposit products reports, Deceased IRA report, Rate Change Report, and Escheat Reports.

Job description

Tower is offering a $1000 Signing/Retaining bonus as of 1/20/2025. 

Note: All full-time positions include exceptionally low medical premiums in addition to a whole host of other benefits.

 HOURS FOR POSITION: Monday - Friday 8:00am - 4:30pm

Hiring Range - $23.06 /hr - $28.83 /hr

Summary:

The Certificates, IRA and Tax Reporting Representative I provides daily support to members and the frontline staff, regarding all Deposit Product Rates, Share Certificates, Individual Retirement Accounts (IRA) and Trust Accounts. The Representative is responsible for upholding organizational values, responding promptly to customer needs and displaying courtesy and sensitivity while managing difficult or emotional member situations. This position is the subject matter expert and independently answers all deposit-related interest questions.

PRINCIPAL ACCOUNTABILITIES AND FUNCTIONS:
  1. Provides exceptional member service for products including, but not limited, to Share Certificates, Individual Retirement Accounts (IRA) and Trust Accounts.
  2. Serves as the subject matter expert to frontline staff for all CD-related questions and independently answers all CD-related questions from frontline staff and members. The Certificates Representative identifies, answers and resolves all deposit-related interest questions, not just CD account interest.
  3. Serves as a resources to front line staff and other employees regarding information information about Share Certificates, IRA’s and Trust Accounts.
  4. Proficiently processes transactions including: opening new CDs, CD additions/withdrawals, closing CDs, Bump-up Authorizations, CD add/change ownership and any other transactions associated with regular CD
  5. Proficiently utilizes the Early Withdrawal Penalties calculation and posts certificate early withdrawal penalties
  6. Communicates with members on all things related to CDs, IRAs and Trust
  7. Determines if IRA transactions comply with Internal Revenue Code (IRC) and refers any questionable transactions to the Certificates, IRA and Tax Reporting Senior and/or Manager.
  8. Proficiently distributes official checks for CD withdrawals and official check requests from Records
  9. Verifies daily reports such as new deposit products reports, Deceased IRA report, Rate Change Report, Escheat Reports and other reports as needed.
REQUIRED QUALIFICATIONS:
  • High School Diploma and three years of related transaction channel processing experience
  • Prefer a current and active knowledge of regulations and legal environment governing transaction channel processing
COMPETENCIES:
  • Adapts well to changes in the work environment and ability to change approach or methods to processes to best fit the situation or work flow process.
  • Ability to treat others with respect while inspiring the trust of others. Works with integrity and
  • Ability to effectively exchange information and provide explanation in one-on-one situations with members or employees as well as external companies in person or over the phone.
  • Ability to express both verbal and written communication in a clear and concise Incumbent should also keep others adequately informed and have the ability to follow detailed written and oral instructions.
  • Ability to offer assistance and support to co-workers, establish and maintain effective relations and exhibit tact and consideration.
  • Ability to keep emotions under control, maintain objectivity and encourage open
  • Ability to prioritize and plan work activities while using time Will also be able to integrate changes smoothly.
  • Ability to identify problems in a timely manner as well as solve practical problems and deal with a variety of variables in the work place and take responsibility for own Incumbent will follow instructions and respond to management direction.
  • Must provide reliable and accurate information to members’ and instill customer confidence while supporting organizational values. Incumbent will demonstrate accuracy and thoroughness while monitoring own work to ensure He/she will also meet productivity standards and complete work in a timely matter in order to meet established goals.
  • Ability to work under stressful conditions in a production environment with effective multi-tasking techniques exhibited. Incumbent will display a willingness to make decisions and support and explain reasoning for decision
  • Ability to arrive to work consistently and timely per Tower’s attendance guidelines and ensures work responsibilities are covered when absent.
  • Able to get along with colleagues and supervisors exhibiting role model team based Incumbent will exhibit confidence in self and others while inspiring trust and respect.
  • Ability to maintain confidential information at all
  • Ability to respond to sensitive inquiries and complaints
  • Must reflect a mature and positive emotional intelligence when interacting with
  • Must become familiar with Trust Account applications and Tower’s Certification of Trust, IRA software as a General User and IRA account transactions such as contributions, distributions and IRA Federal withholding.
  • Must become familiar with W-8BEN, W-9, the 1099INT, 1099R, 1042-S and 5498 tax reporting guidelines and
  • Must become familiar with the State of MD Escheat
  • Has knowledge of and adheres to credit union policies and procedures and all regulations related to the Bank Secrecy Act, the USA PATRIOT Act and OFAC.
WORKING CONDITIONS:
  • Full Time typically working a Monday – Friday, 8:00 – 4:30 m. schedule.
  • Sitting for long periods of time
  • Extended use of a Personal Computer and associated software
  • Daily use of phone to handle inquiries and member requests
  • Ability to sit, stand and walk for extended periods and demonstrate sufficient dexterity and vision to operate a variety of office equipment.
  • Ability to lift up to 20 with or without assistance.
  • Ability to work the hours needed which may extend beyond the defined work schedule when operating conditions dictate

Other duties as assigned to meet business needs.

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