Lead Bank is a chartered banking-as-a-service platform for builders and innovators. Despite broader economic headwinds, the continued proliferation of fintech companies and a 20x increase in fintech investment ($20.5 billion in 2020) signals that the market’s interest in embedding financial services products into their offerings is resilient and sustainable. Whether it’s a travel company that wants to offer credit for an expensive trip, a social network that wants to enable in-feed shopping solutions, or an ecommerce platform that wants to provide client rewards cards, the broader tech ecosystem has enjoyed a step-change in the sophistication, variety and complexity of client-facing products they can offer. This means that the underlying infrastructure powering those fintechs needs to evolve to meet these modern demands.

While fintech companies continue pushing boundaries, they have largely accepted that directly integrating with banks is costly, time-consuming and operationally burdensome. This frustration comes in many forms: gaps in technical acumen, product scalability, client risk appetite, and company culture. These gaps clearly illustrate the need for a new paradigm in banking technology. 

Lead Bank is bridging those gaps. We see a massive opportunity for a tech-savvy developer-focused bank to augment a sophisticated financial services platform with the compliance, regulatory, capital markets, and legal expertise required to help our clients succeed. Come join us on our journey. 

Role Description: The Payments Processor will be responsible for understanding and processing bank and client wire transactions through multiple applications and assisting with the processing of payments on other payment rails at the end of the night. This role offers tremendous growth opportunities to learn from other Payments experts in an inclusive, supportive, technology-driven environment.

In this role you will:

• Accurately prepare/process all wires (domestic / international / incoming / outgoing) within the Lead Bank appointed time frame
• Prepare incoming and outgoing service messages as received or requested.
• Review and assist in resolving wire-related disputes
• Communicate professionally with clients and other Financial Institutions.
• Research and obtain approval to process wires that exceed client limits
• Monitors wires for concerning activity (restricted countries, missing addresses, unusual activity)
• Communicate with correspondent banking relationships as needed
• Assist with audits and daily/monthly reports
• Process research requests from branches and clients
• Cross-train and provide backup for certain tasks involving other payment rails specifically related to end-of-night processing
• Perform other duties as assigned

Qualifications

• Have at least 1-3 years of banking experience 
• Wire processing experience preferred
• Knowledge of SWIFT messages and the SWIFT network is preferred
• Are action-oriented, with strong organization skills and attention to detail
• Are curious, have humility, are open to learning, and approach your work with a growth mindset 
• Thrive working in a fluid environment with high autonomy
• Display exceptional communication skills while offering client support to internal and external clients
• Have strong analytical and problem-solving skills with the ability to make judgments with the information provided

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, including opportunities for equity grants, 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.