Card Operations Analyst

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.

As a Community Bank, we provide personalized banking services and solutions to support the businesses, individuals, and charitable organizations of the Kansas City Metropolitan Area, both in branch and online. We are committed to fostering strong relationships, supporting local economic growth, and we believe in the power of being an integral part of the community we serve.

Role Description:

The Card Operations Analyst will be responsible for ensuring the efficient, compliant, and secure operation of the bank’s card products (debit, credit, and prepaid). This role supports daily processing, reconciliation, compliance, reporting, and process improvement for card-related operations, working closely with Card Program Managers, vendors, and network partners.

In this role you will:

• 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

Qualifications:

• A minimum of 3-5 years in card operations, payments, or a related fintech/banking environment

• Working knowledge of card industry best practices, including EMV standards, card manufacturing, and fulfillment

• Highly organized with strong attention to detail

• Strong project management skills and management of development, maintenance and support teams

• Client first mentality

• Strong judgment, instincts and analytical skills

• Willingness to take on new challenges in a fast-paced startup environment

• Strong organizational skills with experience in managing multiple time-sensitive projects simultaneously

• 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, 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: $105,000 - $125,000 (SF/Bay Area, NYC, Seattle)

Zone 2: $89,000 - $110,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)

Zone 3: $65,500 - $83,000 (Other US Metros)

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