Senior Business Banking Specialist

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. 

In this role you will:

• Identify and pursue new business opportunities through various channels, including networking, referrals, and direct outreach
• Take initial calls and meetings with prospective clients to understand their needs and present tailored banking solutions
• Develop and maintain a pipeline of potential clients to ensure ongoing business growth
• Collaborate with client services and product teams to ensure seamless onboarding and service delivery
• Become knowledgeable on products offered by the Company, including APIs, SFTP, ACH, Wire Origination, and FBO account structuring
• Assist in initial and ongoing due diligence and provide client education at onboarding and throughout the relationship
• Assist with gathering requested information for required audits
• Assist in updating client agreements to incorporate rule changes and new products/policies
• Complete documentation needed for enrollment of commercial products such as online banking, ACH and wire origination, remote deposit capture and mobile remote deposit capture, sweep accounts, account analysis, and positive pay
• Troubleshoot client issues, both internally and with our core processor, to resolution and escalate as needed
• Cross-sell bank services to existing and prospective clients
• Possess clear and working knowledge of all products offered by the bank, including specific operational and compliance settings required to establish the product or service
• Verify personal and business identification documents (CIP/KYC) and archive supporting documentation
• Bring excellent client service skills that will help you build professional relationships and curate interactions based on client motivations and needs
• Perform other duties as assigned

Qualifications:

• 2+ years of banking experience
• Experience working with licensed money transmitters or Money Service Businesses (“MSBs”) is preferred
• Strong understanding of commercial banking and payments products
• Proficiency in Google Suite and Fiserv core-related products is strongly preferred
• Demonstrated history of providing exceptional customer service
• Excellent communication and interpersonal skills

To succeed in this role, you:

• Bring excellent client care skills that will help you build professional relationships and curate interactions based on client motivations
• Are adept at understanding client needs and have a genuine passion for engaging with new people
• Thrive working in a fluid environment with high autonomy, multitasking when required while also showing great attention to detail
• Love to collaborate to get to the best, most efficient outcome
• Show curiosity and humility, while being open to new ideas and approach your work with a growth mindset
• Are a team player and enjoy working with people to achieve the best and most efficient result
• Display strong accountability and group responsibility for the customers we serve, taking on and performing tasks

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 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