Overview
A fintech organization operating an FDIC-insured bank headquartered in Kansas City, Missouri, with additional offices in San Francisco, Sunnyvale, and New York City, is seeking a talented analyst to support its dynamic and growing Banking as a Service (BaaS) product finance function. The team combines regulatory and technological expertise to help fintech partners scale operations with compliance and creativity.
Responsibilities
- Document money and data flows related to BaaS programs.
- Evaluate proposed funds flows for alignment with standard funds movement frameworks.
- Ensure funds flow architecture complies with oversight and regulatory mandates for payments, deposits, and card products.
- Serve as a liaison between Accounting and Product, Engineering, and Compliance teams for BaaS program implementation, management, and reporting.
- Support the lifecycle of lending, deposits, and payments products using deep understanding of BaaS funds flow architecture.
- Assist with technical accounting integrations related to BaaS programs.
- Develop and manage data validation, analysis, and reconciliations related to general ledger accounts and BaaS programs.
- Create reporting and dashboards for daily operational use and management reporting.
- Collaborate cross-functionally to promote process improvements and efficiencies through streamlined data use cases and automation.
- Perform other duties as assigned.
Requirements
- Minimum 3 years of operational accounting and reconciliation experience.
- Minimum 3 years of fintech implementation experience.
- Proven experience with BaaS program reconciliation, including complex research and exception resolution.
- Strong conceptual and practical understanding of funds flow for lending, deposits, and payments products within a partner banking model.
- Experience working in deadline-oriented, fast-paced environments.
- Experience in team/project management and working across functions to gather inputs and drive outcomes.
- Action-oriented with strong organizational skills.
- Curious and open to learning.
- Strong analytical and problem-solving skills.
- Ability to prioritize assignments effectively and manage time and deadlines.
- Comfortable working autonomously in a fluid environment.
- Excellent communication, presentation, and interpersonal skills.
- Strong attention to detail and a results-driven mindset.
Compensation & Benefits
- Competitive compensation based on experience, geographic location, and role.
- Medical, dental, vision, life insurance, 401(k) matching, and other wellness benefits including FSA, HSA, and HRA.
- Paid parental leave.
- Flexible vacation policy including paid time off and holidays.
- Inclusive culture committed to equal employment opportunity regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military or veteran status, or any other legally protected status.
- Reasonable accommodations available for individuals with disabilities.
Salary Ranges by Geographic Zone
- Zone 1 (San Francisco/Bay Area, New York City, Seattle): $106,652 - $137,826
- Zone 2 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami): $94,000 - $120,000
- Zone 3 (Other US metropolitan areas): $87,529 - $115,000
Location
Headquartered in Kansas City, Missouri, with offices in San Francisco, Sunnyvale, and New York City. Compensation varies by geographic location within the United States.