The Role
Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.
We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.
Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.
Role Description: Lead is seeking a dynamic, analytical, and self-motivated experienced risk professional to join our Risk Management Team. This role plays a critical part in advancing our enterprise approach to managing risk across fintech partnerships and product development initiatives.
The senior analyst will work closely with the Fintech Risk Manager to strengthen and evolve our fintech and product risk management framework. The role will focus on identifying, assessing, and monitoring a broad range of risks, while helping to align risk practices with strategic objectives, improving risk foresight, ensuring controls are scalable, data-informed, and forward-looking.
In this role you will:
- Analyze risks from fintech partnerships by utilizing data and develop mitigation strategies
- Identify and evaluate risks across the product lifecycle with attention to inherent risks, customer impact, process gaps, and control weaknesses
- Develop and maintain a registry of controls to manage fintech risks and utilize for future testing and monitoring
- Contribute to the enhancement of our risk taxonomy and risk assessment methodology for fintech and product domains
- Conduct regular reviews of partner and product data to validate reporting accuracy, detect anomalies, and escalate emerging risk patterns
- Partner with cross-functional teams—including Product, Legal, Compliance, and Financial Crimes—on risk identification for new products, features, and integrations
- Create reports on control performance, Key Risk Indicators (KRIs), and Key Performance Indicators (KPIs)
- Support risk and compliance teams in reporting strategic insights for senior leadership and the Board
- Conduct fintech partner risk assessments including Third Party Risk Management programs.
- Assist with automation of risk reporting and data pipelines to support more timely and actionable insights in collaboration with BaaS Compliance Lead and Product teams
- Contribute to strategic risk enhancements, scenario planning, and forward looking risk assessments
- Complete other projects and duties as assigned
Qualifications:
- Minimum of 3-5 years of experience in risk management, fintech, or banking
- Strong technical and communication skills
- Experience with product risk, third-party risk, or operational risk frameworks preferred
- Comfortable working across teams and translating risk concepts for non-risk stakeholders
- Strong analytical and data interpretation skills; able to identify patterns and root causes in complex environments
- Self-starter who thrives in a fast-moving, evolving environment
- Curious, collaborative, and solutions-oriented
What we offer:
- At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
- Competitive compensation based on experience, geographic location, and role
- Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
- Paid parental leave
- Flexible vacation policy, including PTO and paid holidays
- A fun and challenging team environment in a dynamic industry with ample opportunities for career growth
*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
*Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
*Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.
Zone 1: $115,000 - $137,000 (SF/Bay Area, NYC, Seattle)
Zone 2: $97,500 - $118,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)
Zone 3: $80,000 - $100,000 (Other US Metros)
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The Company
What We Do
Lead Bank is where expertise, experience and technology unite the people behind inspired businesses. We take pride in working side by side with companies to grow bottom lines that become cornerstones of the community. We’ve always been a bank that leads the way, not follows the herd. In 2010, we rolled out our new name along with a new suite of next generation banking resources. From the robust online banking capabilities to our remote deposit technology, these digital solutions let you bank however you want, wherever you want. While our bank has roots in Cass county, we offer full-service banking and outstanding customer service for the entire Kansas City metropolitan area. Our relationships with our clients remain at the heart of what we do. We get to know you and your business so we can tailor financial solutions to help you achieve your goals.
