• Design and implement a scalable, sustainable, efficiency-oriented operating model. • Reduce the workload of the commercial team, ensuring focus on higher-value activities. • Improve customer experience through simplification, standardization, and scaling of operational processes. • Support the transformation of the service model, ensuring integration between processes, people, and technology.

• Mitigate operational and commercial risks by maintaining robust risk registers and proactive mitigation strategies. • Drive productivity improvements by identifying inefficiencies and benchmarking best practices across service lines. • Analyze complex data to monitor financial and operational KPIs, ensuring our service delivery stays aligned with contract commitments. • Collaborate with cross-functional teams to streamline work preparation, scheduling, and execution methods. • Influence key stakeholders by providing actionable insights on performance risks and opportunities for margin improvement. • Lead root-cause analysis efforts to eliminate recurring issues and improve long-term asset performance.

Role Description The FIU Director/Customer Risk supports SouthState Bank’s enterprise wide BSA/AML Program to ensure all regulatory requirements are met related to compliance with the onboarding, initial and ongoing monitoring and review of high and higher-risk customer relationships. Responsibilities include the identification of high-risk customers and relationships and the review and documentation of high-risk activity. It is the policy of SouthState Bank to comply with the Bank Secrecy Act (BSA), USA PATRIOT Act, and the requirements of the Office of Foreign Assets Control (OFAC), and other related anti-money laundering/anti-terrorist financing initiatives. - Design and implement BSA/AML related customer risk program elements. - Maintain expertise in all industry segments, product types and services generally considered high risk from a BSA/AML perspective. - Manage the unit workflow and ensure duties of staff are performed as expected. - Conduct periodic quality control reviews to ensure high risk reviews are properly documented. - Collaborate with colleagues across the company to protect SSB's interests. - Maintain working knowledge of correspondent banking and manage the monitoring of downstream bank customer activity. - Monitor the regulatory environment and industry trends. - Responsible for the identification, tracking, risk classification and review of all relationships/accounts designated as high or potentially higher risk. - Maintain records related to all higher risk groups for regulatory reporting. - Perform up front due diligence and continued oversight of complex high-risk relationships. - Ensure performance of risk-based periodic reviews of high-risk relationships. - Develop, implement and maintain written procedures to support the functions performed in the Customer Risk unit. - Manage the Customer Risk elements of the bank’s transaction monitoring platform. - Process requests for information related to audits and examinations. - Prepare and deliver training materials to impacted staff as needed. - Assist in projects related to BSA/AML and OFAC. - Act as a technical resource for various business lines. - Escalate activity that meets the established criteria for investigating suspected fraudulent or problem accounts. - Maintain proficiency in all aspects of BSA/AML compliance. - Adhere to all provisions of SouthState Bank policies and procedures. - Other duties and responsibilities may be assigned, according to the needs of the bank. Qualifications - Bachelor’s degree preferred. - Minimum 7-10 years of related senior level BSA/AML experience in the financial services industry. - Experience managing people and projects. - Experience conducting investigations and enhanced due diligence at an advanced level. - Extensive experience with complex commercial structures. - Experience monitoring, reviewing and analyzing account activity. - Certified Anti-Money Laundering Specialist (CAMS) and/or other professional BSA/AML related certification preferred. - In-depth knowledge of BSA/AML regulations related to monitoring of higher risk customer relationships. - Strong understanding of bank operations. - In-depth knowledge of and expertise in all industry segments, products and services classified as higher risk. Requirements - Effectively evaluates situations or conditions before making risk-based decisions. - Makes thoughtful determinations as to situations that should be escalated to executive management. - Reliable in using good judgement. - Superior communication skills, both verbal and written. - Self-motivated, dependable, adaptable, and detail-oriented. - Ability to manage projects collaborating with others in the FIU department. - Ability to develop effective presentations and documentation. - Strong critical thinking, analytical and problem-solving skills. - Ability to effectively manage and oversee FIU employees. - Ability to draft reports and prepare documents. - Ability to work and thrive in a fast-paced environment. - Demonstrate a strong sense of urgency by responding immediately to escalated issues. - Ability to provide exemplary customer service. - Ability to handle and accomplish multiple tasks effectively. - Advanced computer skills (spreadsheet and word processing). - Ability to read, analyze and interpret Federal and State banking regulations. Benefits - Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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.