Lead

• 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

• Strategic Data Architecture: Design and optimize end-to-end data pipelines for Partner Files, moving beyond simple monitoring to building automated, resilient ingestion frameworks that minimize manual intervention. • Advanced SQL & Analytics Engineering: Develop, peer-review, and maintain production-grade SQL repositories. You will lead the technical logic for onboarding complex new financial partners and integrating multi-source data streams. • Investigative Analytics & Forensic Discovery: Conduct deep-dive forensic analysis on complex financial discrepancies. You will utilize advanced statistical methods to perform root-cause analysis on variance outliers, identifying systemic issues before they impact the General Ledger. • Governance & Control Leadership: Architect and oversee the automated validation framework. You will define the "Source of Truth" standards and implement proactive anomaly detection to ensure 100% financial data integrity. • System Subject Matter Expertise: Serve as the lead technical consultant on the Finxact core system. You will translate complex banking configurations into clear financial logic for executive leadership and external auditors. • Financial Data Research: Stay at the forefront of Fintech data trends and regulatory shifts. You will perform longitudinal research on transaction patterns and partner behavior to provide predictive insights that inform product pricing and risk strategies. • Process Transformation: Identify systemic inefficiencies in existing BaaS workflows and lead cross-functional projects to automate reporting, reducing time-to-close and increasing auditability. • Mentorship & Collaboration: Act as a technical mentor to junior analysts. Partner directly with Product and Engineering leads to influence the data roadmap for future product launches.

• Carry out the vision and mission of Internal Audit to enhance and protect organizational value • Support risk-based operational, financial and compliance audits and consulting reviews under the guidance of senior team members • Perform audit procedures including planning, fieldwork, documentation, and follow-up activities related to assessing design and operating effectiveness of internal controls over financial reporting • Evaluate compliance with established policies, procedures, laws and regulations • Identify audit issues and root causes, and contribute to recommendations for improved internal controls and business processes • Prepare clear and concise audit observations and workpapers for review by senior audit staff • Support the development and implementation of corrective action plans • Participate in walkthroughs with process owners and management to understand control environments

• Design and continuously improve enterprise network architecture across all physical sites and AWS cloud environments. • Define and enforce network standards for firewall management, segmentation, routing, switching, and zero trust access. • Advise IT leadership, security, and engineering teams on network-related decisions. • Mentor junior network engineers and drive knowledge transfer across the team. • Drive Infrastructure as Code adoption for network devices using Terraform or equivalent. • Manage Cisco Catalyst switching across all sites, including VLAN design, STP, inter-VLAN routing, and port security. • Administer Palo Alto firewalls, including security policies, NAT, threat prevention, and firmware lifecycle. • Manage Cisco Meraki wireless infrastructure, including AP deployment and RF optimization. • Lead datacenter network operations and support ongoing infrastructure migrations. • Maintain and secure FedLine network connectivity in compliance with Federal Reserve requirements. • Own and manage all AWS cloud networking infrastructure, including VPCs, subnets, security groups, NACLs, Transit Gateway. • Manage Zscaler ZIA and ZPA deployments, including app segments, connector groups, and Transit Gateway integration. • Serve as the escalation point for complex network issues across physical and cloud environments. • Investigate and respond to network security alerts in collaboration with the security operations team. • Lead root cause analysis and post-incident reviews, driving systemic improvements. • Maintain network documentation, diagrams, and runbooks. • Periodic travel to Branch offices and Datacenter sites, quarterly or as necessary. • Perform all other duties as assigned.

• Be passionate about changing the banking system to meet the needs of a modern digital economy • Break down ambiguous problems, ask the right questions when gathering data across cross-functional groups, and use a structured (first principles approach) to unblock a decision to help create a path forward • Develop and maintain a prioritized product roadmap with well defined product requirements and business justifications • Maintain knowledge of the technical and operational elements of your product which should inform decision making • Develop clear product requirements and communicate them with engineering teams and designers • Be the glue in a diverse cross-functional environment and help drive decisions and consensus • Perform all other duties as assigned