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Lead Bank is a fintech building banking infrastructure for embedded financial products and services, operating as an FDIC-insured bank headquartered in Kansas City, Missouri, with additional offices in San Francisco, Sunnyvale, and New York City.
The ACH Processor will be responsible for processing bank and client ACH and wire transactions, reviewing electronic deposits, clearing item processing exceptions, and working payment-related disputes. This role offers significant growth opportunities to learn from payments experts in a technology-driven, inclusive environment.
Key responsibilities include:
- Accurately prepare and process all ACH requests within established timeframes
- Review and process stop payment requests and Written Statements of Unauthorized Debit (WSUD), ensuring appropriate ACH returns are completed
- Complete payment-related duties including chargebacks, exception items, foreign items, adjustments, and returns
- Review cashed check reports and process check exception items, adjustments, and returns
- Process Remote Deposit Capture (RDC), Mobile RDC, X9, and ATM deposits with appropriate holds per bank policy
- File debit card disputes in accordance with Regulation E requirements
- Process research requests from branches and clients in timely and accurate manner
- Assist with cash orders for the bank and clients, entering and reviewing system entries
- Support internal and external audits and prepare daily and monthly operational reports
- Cross-train across data processing functions and provide backup support for operational continuity
- Perform other duties as assigned
The role is based in Kansas City on a hybrid schedule, offering exposure to payments operations, regulatory compliance, and banking infrastructure in a fintech context.
Qualifications:
- At least 1–3 years of banking experience
- Action-oriented with strong organization skills and attention to detail
- Curious, humble, open to learning, with a growth mindset
- Ability to thrive in a fluid environment with high autonomy
- Exceptional communication skills and ability to support internal and external clients
- Strong analytical and problem-solving skills with sound judgment
