Senior Retirement Analyst

At Apex Fintech Solutions, we empower innovation and digital wealth management by building tech-forward solutions that make investing accessible to everyone. Our diverse team supports clients like Stash, Betterment, and Webull, serving over 22+ million end customers.

About the role

Apex is seeking a Senior Retirement Analyst to join our Retirements team. This role is crucial for managing retirement account operations, ensuring compliance, and supporting clients through tax reporting and customer inquiries.

Responsibilities

• Process and monitor IRA contributions, Roth conversions, rollovers, RMDs, and retirement plan distributions across various types of accounts.
• Ensure all transactions comply with IRS contribution limits, distribution rules, and eligibility requirements.
• Support the preparation, review, and filing of year-end tax forms, including Form 1099-R and Form 5498.
• Manage beneficiary designation updates, excess contribution corrections, recharacterizations, and account restriction monitoring.
• Ensure all retirement account activities adhere to IRC, ERISA, and FINRA/SEC requirements.
• Handle customer inquiries and requests related to retirement accounts through email and phone, providing timely and accurate information on contribution limits, distribution options, tax implications, and beneficiary rules.
• Continuously expand knowledge of IRS regulations, ERISA requirements, and FINRA/SEC guidelines to ensure strict compliance and operational integrity.
• Participate in process improvement initiatives to reduce risks and enhance operational efficiencies, providing recommendations that may influence the strategic direction of retirement services operations.

Qualifications

• Bachelor's Degree in Finance, Economics, Business Administration, Accounting, or a related field.
• Minimum of 5 years of experience in retirement plan administration, brokerage operations, or financial services operations.
• Proven track record in retirement plan administration, brokerage operations, or financial services operations.
• Experience with tax reporting systems (FIRE/IRIS) is a plus.
• SME with IRS rules governing retirement accounts (contribution limits, RMD calculations, Roth conversion rules, early distribution penalties), ERISA compliance requirements, and FINRA/SEC guidelines affecting brokerage operations.
• Knowledge of the full life cycle of retirements from account opening to tax reporting, including state withholding reconciliation and remittance.
• Analytical skills, excellent verbal and written communication skills, and the ability to handle complex retirement account rules.
• Self-motivated with the ability to operate independently while also being a cooperative and constructive team player.
• Exceptional attention to detail and precision in executing tasks and projects, particularly in tax form preparation and IRS filing.
• Quick learner with the ability to adapt to new challenges and regulatory changes within a dynamic environment, including annual IRS contribution limit updates and evolving SECURE Act provisions.

Benefits

• Competitive PTO
• 401k match
• Parental leave
• HSA contribution match
• Paid subscription to the Calm app
• External learning and tuition reimbursement benefits
• Hybrid work schedule

EEO Statement

We are committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities.