AI use among transportation, storage, and distribution managers is little observed so far. Measured exposure for transportation, storage, and distribution managers: 10% (little observed).

Share of this job’s tasks that AI is already used for at work, from real usage. It is not a forecast of job loss, and a low number means no use seen yet. Source: Anthropic Economic Index.

Check how this applies to your own job

Skills this job asks for

Say which you have and which you want to build. We use it to match you to jobs like this one.

About the job

Your opportunity

At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.

We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s).

As a key member of the On-Chain Operations team, this individual contributor role is responsible for executing and improving day-to-day wallet operations processes supporting Schwab’s crypto offering. This individual will partner closely with Security, Risk, Technology, Accounting, and external wallet providers to safeguard digital assets, maintain accurate and timely processing, resolve operational issues, and execute established controls. This role reports to the Director, On-Chain Operations.

Job Responsibilities

Monitor hot and cold wallet balances and thresholds, identify liquidity needs, and rebalance as necessary

Execute independent transaction review and processing activities

Participate in transaction policy control creation and enforcement

Manage UTXO inventories, consolidation requirements, and fee implications

Support implementation of wallet operations automation

Investigate and process coin returns

Investigate and resolve wallet, blockchain, and transaction issues

Support the full scope of address lifecycle management

Provide 24/7 operational coverage for transaction processing through assigned shifts or an on-call rotation

Perform asset reconciliations, investigate discrepancies, resolve reconciliation breaks, and maintain supporting evidence

Provide records, operational evidence, and subject matter support for financial, security, operational, and regulatory audits or examinations

Create and maintain operating procedures, runbooks, technical documentation, control evidence, and training materials; cross-train team members to strengthen redundancy and operational resilience

Provide advice on improving the client experience consistent with Schwab’s ‘through the client’s eyes’ strategy

What you have

Qualifications:

Three or more years of relevant experience in operations, with emphasis in crypto custody or wallet operations, settlement, liquidity management, or asset reconciliation

Working knowledge of blockchain fundamentals, including hot and cold wallet architecture, UTXO-based and account-based blockchains, network fees, transaction construction, consensus mechanisms, and address formats

Experience executing or supporting digital asset deposits, withdrawals, wallet transfers, and exception management

Working knowledge of private key and address lifecycle management, including multisignature and MPC architectures

Experience with transaction monitoring solutions, treasury tools, reconciliation platforms, and case management systems

Experience performing digital asset transactions within defined approval limits and physical and logical security controls

Experience supporting internal audits, external audits, regulatory examinations, risk assessments, control testing, and remediation tracking

Strong analytical and problem-solving skills, including the ability to interpret transaction data, blockchain activity, operational metrics, and technical information

Proficiency with SQL, reporting tools, workflow automation, or basic programming is preferred

Ability to work independently within established authority, recognize matters requiring escalation, and manage multiple priorities in a changing environment

Strong interest in digital assets, custody technology, and evolving blockchain capabilities

Be part of a 24/7 on-call rotation

Personally and professionally align with Schwab’s vision and values, and a deep interest in financial services

In addition to the salary range, this role is also eligible for bonus or incentive opportunities.

What’s in it for you

At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

401(k) with company match and Employee stock purchase plan

Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions

Paid parental leave and family building benefits

Tuition reimbursement

Health, dental, and vision insurance