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Payments Specialist

Lead Bank (FKA Luna Financial)

Lead Bank (FKA Luna Financial)

Kansas City, KS, USA
Posted on Saturday, May 6, 2023
Lead Bank is a nationally 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: We are looking for a Payments Specialist who will develop relationships with current or potential clients who have payment related needs. You will engage in conversations to understand the client’s business and payment related needs in order to recommend services/payments systems that will be mutually beneficial to the client and bank. The Payments Specialist will help determine if we are able to meet payment needs and if there is a need to collect additional due diligence or implement risk reducing controls by identifying high risk clients (including but not limited to Third Party Senders (TPS) and Nested TPSs, STOLs, CRBs, and clients in the Crypto Industry). The Payments Specialist will collect any additional payment due diligence and assist in initial and ongoing reviews.

In this role you will:

  • Apply Nacha rules and other payments related knowledge to guide/educate clients and answer any payment related questions.
  • Gather and review due diligence.
  • Be a subject matter expert on payment policies, procedures, products/systems and end to end integration. Work closely with the Business Banking team to ensure agreements and setups are complete.
  • Work closely with the Payments Processing team to relay important information about client specific needs.
  • Assist in the development of a Payments onboarding process that provides a smooth onboarding experience for clients.
  • Perform other duties as assigned.


  • 5+ Years ACH and Wire experience
  • Knowledge of Fiserv products including: Premier Access Manager/ACH Manager/Wire Manager, Paperless Item Module (PIM), and MoveIt SFTP
  • AAP Certification
  • Additional NACHA-related payments certifications may be consideredIndependent judgment, initiative and accuracy required as well as an understanding of regulatory requirements and risk operations.
  • Understanding and commitment to innovation in digital delivery of bank services
  • Strong judgment, instincts and analytical skills
  • Willingness to take on new challenges in a fast-paced startup environment
  • Humility, low ego and a desire to give and receive feedback
  • Self starter, engaged, proactive and ready to roll up your sleeves

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, Wellness and Disability benefits
  • Flexible vacation policy, plus three mental health days and your birthday off
  • A challenging and fulfilling opportunity to join one of the most experienced teams in banking and fintech
  • A fun team-oriented environment where your career will be supported
  • Dress for your day dress code
  • Hybrid workstyle
*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.
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