VP Central Operations Manager

Job Description

Job Description

Description :

Monterey County Bank is seeking a dynamic Central Operations Manager to lead, shape, and elevate the strategy, performance, and operational excellence of our Central Operations team. This role is instrumental in driving efficiencies, strengthening the customer experience, and ensuring strong compliance across all operational processes.

As a key leader within the Bank, the Central Operations Manager will guide and develop a high-performing team, champion continuous improvement, and utilize data-driven insights and industry best practices to optimize workflows and support organizational goals. This role focuses not only on enhancing operational effectiveness but also on cultivating a superior customer experience that contributes to MCB’s long-term growth and success.

If you are a forward-thinking leader with a passion for operational innovation, team development, and delivering exceptional customer experiences, we invite you to join the MCB team and contribute to our exciting transformation.

Requirements :

As the Central Operations Manager, you will oversee critical operational functions that support efficiency, compliance, and exceptional service across Monterey County Bank. Core responsibilities include :

• Lead and manage the Central Operations Department , ensuring superior service delivery to both internal and external customers and overseeing timely, accurate transaction processing.
• Oversee centralized technical processing , including exception items such as NSF / overdrafts, non-post items, levies and legal orders, excessive overdraft reviews, item processing, stop payment verification, and returned deposit adjustments.
• Direct legal and regulatory compliance activities related to deposit operations, including consumer overdraft monitoring, IOLTA reporting, and the full escheatment process.
• Provide support in identifying and responding to account fraud , including check, ACH, and EFT-related issues.
• Manage ACH operations , including exception processing, PIM transfers, and ensuring ongoing compliance with NACHA rules and regulatory updates.
• Review and monitor daily transaction and deposit reports , and assist in preparing required operational reports for management and regulatory purposes.
• Oversee the Bank’s general ledger certification program , ensuring timely and accurate certifications across branches and departments.
• Manage the Bank’s IRA reporting processes , maintain current IRA regulatory knowledge, and coordinate with the IRA custodian to ensure proper reporting.
• Supervise backup withholding processes , including monitoring, corrections, and year-end tax reporting requirements.
• Evaluate operating procedures to ensure effectiveness, compliance with internal controls, and adherence to audit requirements and federal and state regulations.
• Reduce operational risk and loss exposure by identifying deficiencies and coordinating timely corrective actions.
• Recommend and implement process improvements to strengthen operational efficiency and control.
• Develop and maintain departmental and branch procedures to ensure alignment with regulations, internal policies, and best practices.
• Provide technical expertise and support for complex transactions, error resolution, and customer dispute investigation.
• Participate in and / or coordinate special projects focused on operational risk mitigation and employee development.
• Lead or support operational projects aimed at enhancing technology, improving customer experience, streamlining workflows, and centralizing routine functions.