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Lead · 1 week ago

Payments Risk & Reporting Specialist

Kansas City, MO (Hybrid)

Full-time

Hybrid

Senior Level

5+ years exp

Leadbank is a fintech building banking infrastructure for embedded financial products and services. The Payments Risk & Reporting Specialist serves as the analytical DRI for the safety and compliance of the bank’s payment activities, providing oversight through reporting and leading risk assessments for the Traditional Community Banking portfolio.

BankingCryptocurrencyFinanceFinancial ServicesFinTech

Responsibilities

Portfolio Oversight: Monitor payment reports across the entire client base to detect early warning signs of fraud, credit risk, or compliance deviations

TCB Risk Architecture: Lead recurring risk reviews and gather updated due diligence specifically for TCB clients, ensuring their activity remains aligned with bank policy and original business use cases

Audit & Exam Facilitation: Act as a key technical resource during internal and external audits; you will be responsible for providing payment data and documentation requested by auditors. You will also serve as a subject matter expert to address follow-up inquiries, providing clear explanations of payment workflows and risk controls

Return Rate Management: Monitor monthly return reports for all clients, identifying accounts that exceed thresholds. You will lead the outreach and follow-up process, working directly with clients to resolve issues and bring activity back into alignment

Regulatory Compliance: Apply NACHA operating rules and federal regulatory requirements to your assessments, ensuring that the TCB portfolio is consistently prepared for regulatory scrutiny

Qualification

ACH operationsWire operationsRegulatory complianceFiserv productsData analysisAudit experienceBaaS experienceNacha accreditationAPIs knowledgeAttention to detailProblem-solvingAdaptability

Required

5+ years of expertise in ACH and Wire operations, with a strong understanding of commercial banking risk profiles

A self-directed professional with a 'detective mindset' needed to spot patterns in large data sets and the judgment to take decisive action when activity deviates from the norm

Experience navigating the audit process, with a high degree of comfort pulling technical reports and explaining payment workflows to auditors or examiners

Mission-driven and adaptable, with a strong 'roll up your sleeves' attitude

High attention to detail to recurring monitoring while remaining proactive in a growth-oriented environment

Proactively identifies operational gaps and has the drive to design and implement process improvements that strengthen our risk posture and streamline interdepartmental workflows