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Senior Product Finance Accountant

Lead Bank (FKA Luna Financial)

Lead Bank (FKA Luna Financial)

Accounting & Finance, Product
San Francisco, CA, USA · Kansas City, MO, USA · New York, NY, USA
Posted on Friday, October 13, 2023
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: Lead Bank is seeking a talented senior accountant to support the Bank’s dynamic and growing Banking as a Service (BaaS) product finance function. This role will report to the Product Finance Lead, and will be a critical contributor to BaaS program implementation, data analytics and reconciliations, program reporting, and client relations with the Bank’s fintech partners. This role will require significant coordination and communication across departments and functions, including Corporate Accounting, Product, Compliance, Legal, and Engineering.

In this role you will:

  • Serve as a primary point of contact for Accounting with the Product, Engineering, and Compliance teams related to BaaS program implementation, management, and reporting.
  • Serve as a subject matter expert for technical accounting integrations related to BaaS programs.
  • Assist in the development and management of data validation, analysis and reconciliations related to general ledger accounts and BaaS programs.
  • Assist in the development of reporting and dashboards for daily operational use and management reporting.
  • Work cross-functionally to promote process improvements and efficiencies through streamlined data use cases and automatization
  • Continuously improve financial processes and systems to enhance efficiency and accuracy.
  • Perform other duties as assigned.


  • 3-5 years of accounting/finance experience
  • Experience working in a deadline oriented, fast paced environment strongly preferred
  • Experience in team/project management, and comfortable working across functions to gather inputs and drive outcomes
  • Action-oriented, with strong organizational skills and attention to detail
  • Curious and open to learning
  • Strong analytical and problem solving skills
  • Ability to effectively prioritize assignments and manage time/deadlines
  • Thrive working in a fluid environment with high autonomy
  • Excellent communication, presentation and interpersonal skills
  • Strong attention to detail, problem-solving abilities, and a results-driven mindset

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 and cash bonus, 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 - $145,000 (SF/Bay Area, NYC, Seattle, LA)
Zone 2: $95,000 - $112,000 (Austin, Boston, Chicago, Denver, San Diego, DC)
Zone 3: $82,000 - $95,000 (Other US Metros)