Lead

Role Description We are seeking a dynamic, strategic, and analytical Senior Fintech Risk Analyst to join our team and work with our Fintech Banking-as-a-Service (BaaS) partners and Payments clients. In this role, you will expertly execute risk programs, while collaborating to optimize the Enterprise Risk Management (ERM) oversight of Lead’s fintech partners. As a Senior Analyst, you will act as a primary risk consultant to cross-functional teams throughout the Bank and senior leadership. You will own the end-to-end execution of complex risk assessments, provide robust credible challenges to internal and external stakeholders, and ensure our fast-growing fintech portfolio scales safely within the Bank's risk appetite. In this role you will: - Deliver Advanced Risk Assessments: Execute high-priority quantitative and qualitative risk assessments on complex fintech partner programs, expertly managing tight deadlines and competing analytical priorities. - Execute Fintech ERM Programs: Support the Enterprise Risk Management framework for fintech partners by actively tracking, analyzing, and monitoring complex risk issues (e.g., third-party risk, model risk management, operational resilience), while providing feedback to continuously improve on our oversight processes. - Provide Robust Credible Challenge: Serve as a subject matter expert to provide rigorous, credible challenge to risk assessments performed by internal business lines, ensuring strict adherence to ERM methodologies, program and regulatory standards. - Analyze 4th-Party Risk Ecosystems: Conduct the risk analysis and due diligence for 4th-party vendors, while building and maintaining the 4th party vendor register ecosystem. - Execute 1LoD Partner Risk Oversight: Serve as the First Line of Defense (1LoD) for fintech partners’ TPRM and ERM programs; review program effectiveness, monitor ongoing compliance, and collaborate with partner teams to track and support necessary remediation when gaps are identified. - KRI Management & Risk Reporting: Track, monitor, and analyze Key Risk Indicators (KRIs) within established frameworks. Synthesize complex data into clear, actionable reports and dashboards illustrating risk exposure and portfolio trends for senior leadership and risk committees. - Risk Project Delivery: Successfully manage the execution of multiple high-visibility, in-flight risk initiatives simultaneously, effectively aligning diverse internal and external stakeholders. - Relationship Management: Cultivate deep, collaborative, and consultative relationships with internal business lines and risk counterparts at Lead’s fintech partners, balancing a strong risk culture with a client-enablement mindset. - Perform other duties as assigned. Qualifications - Experience: 4+ years of direct experience in risk management, compliance, or internal audit, specifically within third-party risk management (TPRM), risk & control self-assessments (RCSA), or risk reporting. - Domain Expertise: Proven experience in the Fintech, Payments, or Banking-as-a-Service (BaaS) sectors (e.g., card issuing, ACH/payments, loan origination via bank sponsorship models) is highly preferred. - Regulatory Knowledge: Familiarity with banking regulations and supervisory guidance relevant to third-party risk and bank-fintech partnerships (e.g., OCC, Fed, FDIC guidances). - Advanced Risk Frameworks: Strong command of the risk management lifecycle, including risk identification, control design, control effectiveness testing, and building scalable risk metrics. - Data & Analytics Skills: Strong proficiency in utilizing data to build risk dashboards and synthesize metrics. - Execution & Proactive Drive: Highly self-motivated and organized professional who thrives in a fast-paced environment; demonstrates strong ownership over their work and deliverables and proactively manages work priorities. - Communication & Influence: Exceptional communication and presentation skills; confident in providing credible challenges to internal functional areas and fintech partners and able to present complex risk topics clearly to senior management and external clients. - Problem Solving: Proven ability to analyze ambiguous, complex risk issues and translate them into structured, actionable, and trackable milestones within a remediation plan. - AI Leverage & Critical Discernment: Comfortable utilizing AI tools to accelerate workflows, paired with exceptional reading comprehension and writing skills to critically evaluate, refine, and validate all outputs; understands that AI is a guide, but final quality and accuracy require human oversight and sharp analytical thinking. Benefits - Competitive compensation, 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.

Role Description The Fintech Compliance Analyst will be responsible for assisting Senior and Principal Compliance Analysts and the Compliance Lead in the delivery of the Compliance Management System (CMS). The role will have a primary focus in conducting day-to-day monitoring and review related to the bank’s lending, deposit, and operational activities, as well as with the Bank’s Banking as a Service (BaaS) fintech partner programs. Further duties can be assigned at any time due to expanded activities from the bank, its partners, or regulators. - Work closely with the Banking as a Service Compliance Manager, Senior and Principal Compliance Analysts, other business lines, and Fintech partners to onboard and maintain ongoing oversight of Fintech partners. This includes the review of due diligence and ongoing program management materials. - Maintain proficient knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to, Reg E, TILA, ECOA, FCRA, SCRA/MLA, Reg CC, TISA, and other federal consumer protection legislation and regulations with a focus on consumer and commercial lending, deposit and prepaid products. - Engage in internal and external Fintech facing meetings to identify, discuss and maintain oversight of key program elements, compliance risks and controls. - Support the Bank’s Compliance Management System and the BaaS Compliance Program by maintaining awareness and engaging in issue management, audit management, complaint resolution and marketing reviews and other related sub-processes. - Support the monitoring of compliance related partner controls and key risk indicators by identifying weaknesses, investigating issues, and providing actionable recommendations for remediation as needed. - Review FinTech partner marketing and program collateral to ensure alignment with regulatory requirements and compliance standards. - Develop and maintain effective working relationships across the enterprise and Fintech partners to effectively execute on compliance related objectives. - Assist in the coordination of, and preparation for, regulatory agency exams and external audits/reviews. - Demonstrate a deep interest in Fintech products, automation and technology, and engage in compliance advisory. - Exhibit personal drive, innovation and excel in a dynamic, fast-paced environment. - Perform other duties as assigned. Qualifications - Minimum of 1-3 years’ banking compliance experience. - Have knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to Reg E, TILA, ECOA, FCRA, SCRA/MLA, Regulation CC, TISA, and other federal consumer protection legislation and regulations. - Demonstrate exceptional communication skills. - Ability to make judgements based on information provided. - Ability to work and complete tasks with minimal direct supervision. - Eager to learn and achieve proficiency. - Ability to motivate and lead. - 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. - Love to collaborate to get to the best, most efficient outcome. - Embody the growth mindset and bring a self-driven and self-starter mentality to your work. Benefits - Competitive compensation, 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.

Role Description The Financial Crimes Analyst I will be responsible for conducting investigations into suspicious activity of our core banking clients and Fintech partnerships. - Research and review possible suspicious activity reported by bank staff. - Process, solve and answer some client transactions, problems, and inquiries. - Be responsible for working daily, weekly, and monthly alerts generated by Lead Banks BSA software. - Complete Suspicious Activity Reports (SARs) to ensure they are properly documented with related narrative and thorough case documentation, including but not limited to, customer statements, due diligence documents, transaction images. - Assist in the filing of Currency Transaction Reports (CTRs) as needed. - Assist in training of BSA Specialist as requested. - Maintain proficient knowledge of applicable compliance statutes, regulations and interpretations, including but not limited to, the Bank Secrecy Act, USA PATRIOT Act and OFAC. - Perform other duties as assigned. Qualifications - Have at least 1-2 years of banking BSA experience with another financial institution or with another fintech. - You are a self-starter who is able to be a part of a deadline-driven department. - Bring an analytical mindset with the ability to process, solve, and answer most complex client transactions, problems, and inquiries due to fraudulent activity. - Bring strong communication skills to work with all Lead Bank departments. - 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. - Love to collaborate to get to the best, most efficient outcome. - Embody the growth mindset and bring a self-driven and self-starter mentality to your work. Benefits - Competitive compensation 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.

• Own daily fraud review, investigations, and casework across assigned queues and escalations • Handle higher-complexity alerts and support sound, consistent fraud decisioning • Identify fraud trends, control gaps, and operational pain points from hands-on case experience • Provide advisory input on alert and rule performance to support tuning and fraud strategy work • Produce recurring reporting and concise trend insights for operational visibility • Train and support Fraud Analyst I and II team members to strengthen investigative consistency, documentation quality, and sound alert-clearing judgment across the Fraud team • Perform other duties as assigned

• Oversee the ongoing program management of Lead’s third party partners. • Review policies and procedures to ensure alignment with best practices and FFIEC guidance. • Perform periodic testing on third party partners ensuring compliance with their procedures. • Be a front facing subject matter expert to the Bank’s fintech partners regarding trends. • Perform onboarding risk reviews of both high risk clients and fintech partnerships. • Perform ongoing EDD reviews for fintech partnerships including comprehensive risk assessments. • Provide support and BSA subject matter expertise to bank staff members helping them understand BSA requirements as they relate to their job function. • Perform other duties as assigned

• Review and manage monthly card network invoices, ensuring accuracy and timely reconciliation. • Prepare and submit quarterly reporting deliverables on card networks, including Visa QOC and Mastercard QMR. • Generate and distribute monthly internal reporting metrics related to card program performance. • Monitor daily card program metrics to identify trends, issues, and opportunities for process improvement. • Oversee vendor relationships related to the card program, including onboarding, performance reviews, and contract management. • Manage the service provider validation process in accordance with network requirements and internal policies. • Own and maintain responses to internal and external questionnaires, ensuring consistency and alignment. • Create, update, and manage procedures and documentation to support card operations. • Support compliance with card network (e.g., Visa, Mastercard) regulations and internal risk management policies. • Analyze and document card operations processes, identifying opportunities for efficiency improvements and automation. • Support Card Program Management with relevant tasks associated with all card-related partners • All other duties as assigned

• Deeply understand the partner’s business goals and product structure • Lead technical implementations of new partners and serve as the key technical contact as they integrate with Lead. • Partner with product/engineering, program management, legal/compliance/risk, accounting, and other teams for tasks related to partner onboarding • Define internal processes to streamline partner onboarding • Build product examples, documentation, and other critical resources in order for external and internal parties to operate more effectively and efficiently. • Successfully manage a number of engagements concurrently • Effectively manage escalations, scope change, and implementation of projects or programs including monitoring project quality, timeline, risk, and performance • Inform partners of our product development roadmap with concrete examples, while setting appropriate expectations • Be an integral part of building out this function from 0 to 1 defining culture, processes, and identity. • Perform all other duties as assigned.

• Accurately and autonomously, conduct quality control assessments on CTR’s, alerts, and cases reviews across multiple products and services • Provide constructive feedback to financial crimes analysts. • Assist the Quality Control Manager in identifying trends in errors to improve training and process improvement • Leverage existing data to identify potential discrepancies, inefficiencies, or gaps in established procedures • Stay current with developments in the area of FinCEN to ensure program compliance • Provide support and BSA subject matter expertise to bank staff members helping them understand BSA requirements as they relate to their job function • Perform other duties as assigned

• Serve as a key member in completion of reconciliations, including month end close, as it relates to BaaS programs. • Manage end-to-end BaaS program reconciliation processes, including proactive research, exception handling, and timely resolution of breaks. • Serve as a point of contact for Accounting with the Product, Engineering, and Compliance teams related to BaaS program implementation, management, and reporting, primarily related to Deposit and Payments programs. • Apply a deep understanding of BaaS fundsflow architecture to support the lifecycle of lending, deposits, and payments products. • Assist in 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.

• Lead, coach, and develop a team of program owners and analysts, tasked with managing Lead’s Fintech partner risk management, enterprise risk management, vendor management, and risk governance programs • Determine and execute the roadmap and success metrics for Enterprise Risk programs supporting BaaS and non‑BaaS activities, ensuring they are aligned to regulatory expectations and Lead’s risk appetite and work with Risk leadership to track metrics and curate program goals • Oversee fintech partner risk management programs, including BaaS partner risk assessments, annual enterprise risk assessments, and vendor reviews, ensuring consistent risk ratings, documentation, and reporting across a number of risk domains • Oversee risk governance programs such as issue management, regulatory exam and third‑party audit response, ensuring the Bank continues to mature its abilities to perform root cause analysis, ensuring timely and well‑controlled execution • Execute and further develop a host of ambitious OKRs, designed to enhance existing risk programs, build new ones, and generally mature the risk management landscape at Lead • Drive the maintenance and development of quantitative risk metrics throughout the Enterprise • Partner closely with Program Management and other cross‑functional stakeholders to embed Enterprise Risk programs into the Fintech partner lifecycle (onboarding, ongoing oversight, expansions, and offboarding) • Represent and speak to all aspects of the Enterprise Risk program within key forums and committees, synthesizing program outputs into clear, decision‑useful risk narratives • Build strong relationships with senior and executive leadership, serving as a thought partner on complex or emerging risks across our BaaS and traditional banking businesses • Continuously evaluate and improve Enterprise Risk tooling, processes, and documentation to drive scalability, clarity of ownership, and exam/audit readiness • Oversee and coordinate risk reporting to senior management and Board risk committees • Perform other duties as assigned