Commercial Deposit and Risk Operations Associate

Axos Bank

. Monitor and assess Wire, ACH, Check, and Instant Payment transactions for potential risks and fraudulent activities .

Posted 10/7/2026full-timeUnited StatesJuniorMid-Level💰 $70,304 - $72,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in fraud operations and risk management within financial institutions, with a strong focus on payment fraud detection across Wire, ACH, Check, and Instant Payment systems. Proficient in regulatory compliance, including NACHA operating rules, Reg E, and UCC Article 4A, while maintaining strong analytical, communication, and organizational skills.

Highest-signal resume keywords

Fraud Operations ExperiencePayment Fraud ExpertiseWire, ACH, Check, and Instant Payment Systems KnowledgeRegulatory Compliance KnowledgeAnalytical and Investigative Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud DetectionRisk ManagementTransaction AnalysisCase DocumentationACH Debit Originator ReviewPositive Pay AdministrationFederal Reserve AdjustmentsRegulatory ReportingEvidence DiscoveryFraud Investigation

Soft Skills

Attention to DetailSound JudgmentExcellent Communication SkillsOrganizational SkillsTime Management Skills

Tools & Technologies

VerafinFraud Detection Platforms

Certifications & Qualifications

High School Diploma or Equivalent

Industry Keywords

NACHA Operating RulesReg EUCC Article 4ABSA/AML CompliancePayment Fraud Typologies

About the role

Key responsibilities & impact

Monitor and assess Wire, ACH, Check, and Instant Payment transactions for potential risks and fraudulent activities
Review and decide real-time Wire alerts in Verafin, including holding, analyzing, releasing, or rejecting flagged transactions
Monitor and review Instant Payment send alerts in real time
Clear flagged ACH credit transactions in compliance with NACHA operating rules
Conduct comprehensive fraud investigations across ACH, Check, Wire, and Instant Payment channels
Conduct client and counterparty interviews, evidence discovery, transaction analysis, case documentation, regulatory reporting, and ongoing case management
Perform ACH Debit Originator Review, including return rate monitoring, remediation tracking, and credit utilization analysis
Review and handle ACH Returns, research requests, Proof of Authorization requests, and Late Return Claims
Administer Positive Pay services, including exception research and decisioning
Process Federal Reserve adjustments accurately and on schedule
Communicate with bank employees, account holders, and other financial institutions to gather information, resolve disputes, and support fraud investigations
Escalate suspicious activity through Questionable Activity Reports and support BSA/AML referral processes
Maintain knowledge of fraud prevention techniques, industry trends, and emerging payment fraud typologies
Assist with developing and updating departmental procedures and controls
Stay current on banking operations, compliance requirements, NACHA operating rules, Reg E, UCC Article 4A, and applicable federal and state banking regulations

Requirements

What you’ll need

High school diploma or equivalent required
Minimum 3-5 years of experience in fraud operations, risk management, or banking operations within a financial institution
Demonstrated expertise in payment fraud across multiple channels
Strong working knowledge of Wire, ACH, Check, and Instant Payment systems
Knowledge of 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
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
Ability to manage multiple priorities and meet deadlines
Successful completion of a credit check, criminal background check, and pre-employment drug screening required
Must not test positive for marijuana due to federal banking requirements

Benefits

Comp & perks

Eligible for an Annual Discretionary Cash Bonus Target: 10%
Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10%
Medical, Dental, Vision, and Life Insurance
Paid Sick Leave
3 weeks’ Vacation
Holidays (about 11 a year)
HSA or FSA account
Other voluntary benefits
401(k) Retirement Saving Plan with Employer Match Program
529 Savings Plan
Employee Mortgage Loan Program
Free access to an Axos Bank Account with Self-Directed Trading