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Core Operations

Explore a Core Operations career with Wells Fargo

The Chief Operating Office (COO) Early Talent programs support the largest business within the Wells Fargo Enterprise. The three main channels under COO include Core Operations, Business Services, and Business Risk Control and Regulatory Oversight. Our programs are designed to help participants learn about specific segments of COO functions to help create and manage processes while growing your expertise. By taking a more integrative approach to these functions, Wells Fargo will be able to deliver a more consistent experience for our customers and operate more efficiently.

The Global Operations Early Talent - Core Operations Program encompasses multiple unique pathways to learn and gain meaningful work experience while growing your expertise. At Wells Fargo, we are committed to a strong business-control infrastructure to protect the business and provide a positive client experience. Global Operations Early Talent - Core Operations Program focuses on a specific business function and provides exposure to subject matter experts and senior leader speakers, creating opportunities to demonstrate understanding through hands on production deliverables. Global Operations provides comprehensive process training and direct experience executing core production activities.

Scroll below to learn detailed information about the pathways across Core Operations.

Global Operations in the Chief Operating Office is responsible for building a more unified and integrated approach to Wells Fargo’s business operations functions. This includes contact center operations, client servicing support, money movement, lending operations, and other functions. Global Operations is made up of three pillars, Wholesale Operations, Consumer Operations, and Shared Services Operations.

Unique qualities to this groups program experience include:

Wholesale Operations delivers resources to provide critical support in maintaining relationships with corporate clients to facilitate their financial needs, globally. The organization manages financial transactions for businesses, institutions, and wealth management clients - ensuring efficient processing of securities transactions, cash transactions and loans. The team also manages the risk, regulatory compliance, and client service associated with these transactions. The businesses that make up Wholesale Operations include, Commercial Banking Operations, Wealth & Investment Management Operations, Corporate & Investment Banking Operations.

  • Commercial Banking Operations aims to provide a world class client experience to Small Business Banking, Commercial Banking, and Corporate & Investment Banking clients with their lending needs across the globe (bi-lateral loans, syndicated loan, trade finance, asset-based lending, and leasing). The organization includes the wholesale banking operational tasks in the branches outside the US, along with foreign items processing and retail banknotes operations
  • Wealth & Investment Management Operations delivers simple, secure, and scalable operational products and services through automation, risk mitigation, effective controls, and state of the art technological solutions for all WIM clients
  • Corporate & Investment Banking Operations globally deliver market leading operational servicing and proactive risk mitigation for the benefit of our clients and business partners while fostering an environment of diversity, development and teamwork

Consumer Operations delivers a diverse set of foundational operational and contact center services for the enterprise and to its customers. Services include personal loans, credit services, mortgage servicing, deposits, payments and ATM operations, global fraud and claims, account reconciliation, cash vault services, mail and courier solutions, print and image services, unclaimed property processing, legal order processing, estate care, and voice, email, chat, and social media services for consumer customers. The businesses that make up Consumer Operations include, Home Lending Operations, Wells Fargo Auto Operations, Cards & Merchant Services Operations, Fraud & Claims, and Consumer & Small Business Banking Operations.

  • Cards & Merchant Services Operations supports the significant growth agenda of the card and personal lending business
  • Consumer & Small Business Banking Operations delivers foundational banking services for consumers and small businesses at scale while providing direct customer care, transaction processing, and operational support
  • Home Lending Operations manages and administers residential mortgage loans and home equity products for Wells Fargo, investors, and insurers
  • Wells Fargo Auto Operations works to serve all our customer needs by providing high quality, consistent support that enables business growth. Responsible for post-originations servicing including collections operations, customer service (contact center), specialty operations, payment support services, and operations support
  • Fraud & Claims Support fraud and claims functional area by proactively identifying opportunities to improve customer experience, and offer ideas to mitigate risks through effective authentication of customers in order to prevent fraudulent activity

Shared Services Operations (SSO) delivers core operational functions to our customers that are common across Wells Fargo, along with transformation capabilities to our employees, utilizing a continuous improvement approach to achieve stronger controls, improved client experiences, and sustained efficiencies. The businesses that make up Shared Services Operations include, Business & Real Estate Services, Financial Crimes & Regulatory Operations, Operational Excellence, Payments, Payments Transformation, Quality Assurance, and Strategy & Transformation.

  • Business and Real Estate Services supports business partners across Wells Fargo by providing real estate valuation services, information management utilities, customer tax utilities, and centralized complaints management
  • Financial Crimes Operations & Regulatory Operations provides Bank Secrecy Act/Anti-Money Laundering (BSA/AML) know-your-customer (KYC) operations execution, services, and governance to the businesses, including client onboarding, ongoing due diligence, screening (sanctions adverse media, no re-entry, and prohibitive list), standalone customer maintenance, Currency Transaction Reporting (CTR), and specialized operations corrections. It also provides execution of cross-business and enterprise operational processes focused on key risk and regulatory disciplines, including privacy, deposit insurance operations (FDIC), Accessibility & Accommodations (A&A), customer data management, and Servicemembers Civil Relief Act (SCRA)
  • Operational Excellence simplifies, digitizes, and automates Wells Fargo processes; drives mission-critical regulatory deliverables and issues; and efficiently maintains the business process management capability
  • Payments Operations provides payment-related services (wires, automated clearing house and lockbox), standardizes the processing model across Wells Fargo, and establishes standards for metrics and service levels to ensure quality results for clients and the bank
  • Payments Transformation drives cross-functional programs, partnering with product, front-office, digital and technology, risk and control, and other Operations teams to build best-in-class payments technology, reduce bank-wide risk from payment processing, and adhere to mandatory industry initiatives
  • Quality Assurance drives consistent application of quality strategies and execution, develops quality standards in line with regulatory expectations, and improves the quality assurance pass rate across Shared Services
  • Strategy & Transformation supports projects and initiatives that promote consistency, drive efficiencies, manage location efforts, and oversee people strategies across Shared Services

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What will you do?

Your responsibilities could include, but are not limited to:

  • Participating in formal early talent program and workshop initiatives
  • Reviewing various assignments related to low-to-medium risk tasks and deliverables to become familiar with policies and procedures
  • Working in a matrixed environment and exercising independent judgment while developing understanding of compliance and risk management requirements
  • Engaging in experiential learning on fundamentals of financial services
  • Contributing to process improvement, process enhancement, process mapping, automation and operational efficiency programs and projects
  • Partnering alongside various Operations teams on daily functions and responsibilities which may include, but not limited to, client onboarding, account maintenance, process management, automation, payment processes, customer service and client management etc.
  • Aligning to Servicing, Processing and Business Process Management roles in Consumer, Wholesale, and Shared Service environments
  • Taking part in non-business-related stretch assignments, i.e., DE&I, employee engagement, community service, etc.
  • Maintaining contact with leaders at all levels of the organization including senior management, team members, individual contributors, and/or vendors
  • Creating presentations, and visuals to assist with documenting business requirements
  • Preparing for relevant industry certifications as part of professional development
  • Completing assigned projects and tasks that align with certification requirements

Is this opportunity right for you?

Program structure and desired qualifications:

  • Summer internship for juniors. Program duration is 10 weeks
  • Full-time program for recent college graduates within December 2024 – June 2025 of Program length is 2-years
  • Open to all majors
  • Strong communication skills both verbal and written
  • Ability to organize and manage multiple priorities
  • Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic environments
  • Strong analytical skills and ability to solve complex technical problems
  • Energetic self-starter who proactively takes initiative, remains curious and has a genuine interest in learning and growth
  • Ability to work in a fast paced, highly collaborative culture in both a face-to-face and virtual environment
  • Attention to detail
  • Ability to take on responsibility and accountability
  • Demonstrated ability to navigate regular feedback, coaching, and mentoring during your program 

Desired skillsets:

  • Knowledge, experience, and/or interest in the financial services industry
  • Demonstrated interest and/or experience in manipulating data and reporting, data visualization, and/or data insights
  • Experience using Microsoft Office suite of products
  • Data analytics, including experience in SQL, PowerBI, JIRA, SharePoint, and/or Tableau
  • Experience in Agile methodology
  • SIE Certifications

Where are the opportunities*?

  • Charlotte, NC
  • Des Moines, IA
  • Minneapolis, MN
  • St. Louis, MO
  • Phoenix, AZ
  • Dallas, TX

* NOTE: Not all pathways offer all locations

Helpful resources

Learn more about the application process.

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