Branch Banking Operations Administrator - ZiFI

Zions Bancorporation is building the bank of the future with ZiFi-a modern, all-digital bank redefining business banking. We are looking for a detail-oriented and self-motivated Branch Banking Operations Administrator to join our growing team.

This role is ideal for a banking professional who thrives in a fast-paced, "build-mode" environment. As a key member of a startup bank within a larger organization, you will take on a broad range of responsibilities and play a critical part in establishing the sound operational practices that will guide our growth. Because ZiFi operates without a traditional branch network, this role is essential for supporting our centralized digital banking processes.

Key Responsibilities

As a Branch Banking Operations Administrator, you will wear many hats, providing crucial support for our daily operations and serving as a key resource for the team. Your responsibilities will include:

• Core Operations: Support daily operational activities, including deposit operations, ACH processing, overdraft (OD) monitoring, and rejected item processing.
• Account Servicing: Manage centralized digital banking tasks, including new business account and loan onboarding, account servicing, and issue resolution.
• Risk & Fraud Management: Conduct account-level fraud and risk reviews to identify high-risk activity, document findings, and recommend appropriate actions, such as account restrictions or closures.
• Team Leadership & Support: Serve as a first point of contact for operational questions, review complex account issues, ensure quality and consistency, and help escalate risk or compliance concerns.
• Process Improvement: Identify process gaps, risks, and improvement opportunities, and proactively collaborate with compliance, risk, technology, and product teams to recommend and implement solutions.
• Documentation: Participate in building, improving, and documenting operational procedures and controls.

Key Functional Areas

• ACH Processing:

• Manage disputes, returns, and stop payments.

• Handle exception items and conduct research.

• Ensure adherence to NACHA rules and timelines.

• New Account & Loan Onboarding:

• Validate customer information and verify signature authority.

• Review business organizational documents (e.g., articles of incorporation, operating agreements, resolutions).

• Conduct operational reviews to ensure accuracy, completeness, and compliance.

Who We Are Looking For

We need someone with strong foundational banking knowledge who is ready to contribute to a dynamic startup environment.

Required Qualifications:

• Prior experience in bank operations (deposit, branch, or back-office).
• Strong knowledge of ACH operations, including disputes and stop payments.
• Experience with new account onboarding for business entities.
• Working knowledge of core banking regulations.
• Ability to review and understand business organizational documents.
• High attention to detail with excellent organizational and follow-through skills.
• Requires a college degree in business, finance, communications or a related field and 4+ years of experience in branch banking, banking operations, policies, procedures and communications, both written and verbal. A combination of education and experience may meet qualifications
• A self-directed and motivated individual who is comfortable working independently.

Preferred Qualifications:

• NACHA accreditation or formal ACH training.
• Experience supporting or building operations for a digital bank or fintech.
• Exposure to quality control (QC), audit, or compliance reviews.
• Experience working with core banking systems.
• Loan servicing or lending operations experience.

Work Location

The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:

• Electric vehicle charging stations and proximity to Historic Gardner Village UTA TRAX station.
• At least 75% of the building is powered by on-site renewable solar energy.
• Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
• Large modern cafe with a healthy and diverse menu.
• Healthy indoor environment with ample natural light and fresh air.
• LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.

Benefits

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 12 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products
• Employees may, at the company's discretion, be eligible to receive a cash bonus award