Implementation Analyst, Product Finance

About Lead Bank

Lead is a banking infrastructure platform trusted by the most innovative companies to power complex financial products. We enable fintechs to offer compliant, programmable services like payments, lending, and digital assets at scale. Banking has moved beyond traditional institutions and is now embedded directly into everyday experiences, meaning companies need modern infrastructure that is safe, secure, and operationally sound.

Today, Lead is one of the only API-first, developer-focused partner banks with the financial, regulatory, and legal expertise required to help fintechs succeed. We operate offices in San Francisco, Sunnyvale, and New York City, and an FDIC-insured bank in Kansas City.

Product Finance Team at Lead

Lead’s Product Finance team oversees the financial integrity of money flows through Lead’s banking infrastructure platform. Team members support partner ledger validation, reconciliations, invoicing, financial reporting, forecasting, and program implementation, ensuring that financial data is accurate, controlled, and built to scale. Working closely with Product, Program Management, Operations, and Engineering, the team solves complex operational challenges, strengthens financial controls, protects the bank, and supports the growth of Lead’s fintech partners. Curious, analytical, and detail-oriented, team members bring diverse perspectives to shaping the future of Product Finance in a close-knit, fast-paced environment.

Role Description:

Lead Bank is seeking a talented analyst to support the Bank’s dynamic and growing Banking as a Service (BaaS) product finance function. This role will report to the Product Finance Manager , and will be a critical contributor to BaaS program implementation, data analytics, 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:

• Acts as a key member responsible for documenting money and data flows.

• Evaluate proposed funds flows for alignment with Lead’s standard funds movement frameworks.

• Utilize a comprehensive understanding of BaaS funds flow architecture to ensure alignment with oversight and regulatory mandates for payments, deposits, and card products.

• Serve as a point of contact for Accounting with the Product, Engineering, and Compliance teams related to BaaS program implementation, management, and reporting.

• 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

• Perform other duties as assigned.

Qualifications:

• 3+ years of operational accounting/reconciliation experience

• 3+ years of fintech implementation experience

• Proven experience with BaaS program reconciliation, specifically within complex research and exception resolution frameworks.

• Strong conceptual and practical understanding of funds flow for lending, deposits, and payments products within a partner banking model.

• Experience working in a deadline oriented, fast paced environment

• Experience in team/project management, and comfortable working across functions to gather inputs and drive outcomes

• Action-oriented, with strong organizational skills

• 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, 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.

*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: $106,652 - $137,826 (SF/Bay Area, NYC, Seattle)

Zone 2: $94,000 - $120,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento, Miami)

Zone 3: $87,529 - $ 115,000 (Other US Metros)

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