Business Banking Specialist II

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:

We are seeking a Business Banking Specialist II to join our team. This client-facing banker role supports business banking and payments across the Bank’s partnership and traditional community bank (TCB) clients and high-risk inbound requests. The Specialist II develops an understanding of each client’s business banking needs, opens and onboards business accounts, gathers and reviews required information and documentation, facilitates due diligence, coordinates approvals and account setup, and provides timely, thoughtful support throughout the client relationship. The role places a strong focus on accurate documentation, regulatory compliance, and effective channel management across email, internal messaging platforms, support systems, and phone.

The Specialist II also supports account maintenance, payment product enrollment, client education, and troubleshooting for business banking and payments services. They work closely with internal teams to implement changes, resolve issues, and uphold regulatory and operational standards.

The ideal candidate is responsive, detail-oriented, comfortable managing changing priorities, and able to work with growing autonomy while maintaining accuracy, compliance, consistent follow-through, and strong communication with stakeholders.

In this role you will:

- Support partners, traditional community bank clients, and more complex business account requests across multiple communication channels, providing clear and timely responses for external partner support channels and shared servicing queues, coordinating intake, prioritization, and follow-through across Business Banking and Client Onboarding workflows

- Prepare documentation and facilitate due diligence activities for Payments Program enrollments, including business online banking and payment origination access, user maintenance, and related account updates

- Assist with ongoing due diligence and client education during onboarding and throughout the relationship, ensuring forms, agreements, and files are complete and archived appropriately.

- Handle servicing requests, including account maintenance, access changes, fee research, product updates, and general service inquiries, collaborating with internal teams and providing guidance on established processes where appropriate

- Troubleshoot and support ACH, wire, RDC/MRDC, Positive Pay, and related payments services, including limit maintenance, exception handling, and operational issue resolution

- Maintain workflow visibility through task management systems and collaborate cross-functionally with Banking Operations, Program Management, Compliance, and related teams to resolve issues and move requests forward.

- Maintain accurate client and account records through onboarding and ongoing CIP and file maintenance activities, supporting documentation integrity and audit-readiness

- Perform other duties as assigned.

Qualifications

- 2-3 years of banking experience, including experience in business or commercial account servicing; exposure to business banking, treasury/cash management, or payments-focused work is preferred.

- Comfort opening and onboarding business accounts, including gathering required information, reviewing documentation, and coordinating account setup in accordance with bank policies and regulatory requirements

- Familiarity with business banking and payments products, including online banking, ACH and wire origination, MRDC/RDC, Positive Pay, or related control and limit structures; experience with some of these products is preferred with a willingness to deepen expertise over time.

- Demonstrated history of providing strong client service with clear communication, and ownership of follow-through on requests.

- while maintaining accuracy, compliance, and attention to detail in documentation and system setup.

- Strong written and verbal communication skills, with the ability to tailor tone and terminology for clients and internal stakeholders across multiple channels

- Working understanding of banking regulations, internal policies, and operational standards and the ability to apply them consistently in day-to-day work.

- Proficiency in Google Workspace and comfort working in digital banking platforms; experience with Q2 Business Online and payments platforms is a plus.

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.