What I'm basically trying to figure out is how to determine if a comma exists after that second ampersand.

If it exists, then run this:
TRIM(RIGHT(A32,LEN(A32)-FIND("*",SUBSTITUTE(A32,"&","*",LEN(A32)-LEN(SUBSTITUTE(A32,"&",""))))))
If it doesn't, then run this:
=CONCATENATE(LEFT(A32,FIND(",",A32)-1),",",TRIM(LEFT(A32,FIND("&",A32,FIND("&",A32))+1)))
I know there's a handy formula like this:
=IF(AND(LEN(A1)-LEN(SUBSTITUTE(A1,"&",""))
But in this specific situation I don't know best way to determine whether a comma exists after second ampersand.