Deposit Operations Specialist I

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 Deposit Operations Specialist I to join our team. This entry-level operations role supports deposit operations by helping maintain data accuracy, ensuring consistency across routine processes, and assisting with compliance-related activities. Working closely with the Deposit Operations Specialist II and other team members, this role contributes to smooth and reliable internal operations. The ideal candidate will have foundational knowledge of deposit or retail banking operations, strong attention to detail, and a willingness to learn. This role is well-suited for someone who is organized, collaborative, and eager to develop their expertise in deposit operations. In this role you will:

Support the setup and maintenance of bank-owned or program-related internal accounts 

Perform basic account maintenance activities to support data integrity for internal and regulatory needs

Assist in maintaining data accuracy across deposit operations functions

Support audit preparation by gathering documentation and helping fulfill internal and external information requests

Work with internal teams to track and report operational issues, escalating items as needed

Assist with updates to client pricing structures under the guidance of senior staff

Prepare routine deposit reports and help identify discrepancies or areas for improvement

Support updates to policies, procedures, and resources by providing research, documentation, or initial drafts

Help prepare escheatment materials for Lead Bank and partner programs through data gathering, reconciliation, and documentation preparation

Assist with research and documentation for subpoenas or other legal requests as directed

Take on routine operational tasks and triage day-to-day requests to support steady workflows across the team

Perform all other duties as assigned

Qualifications

1–3 years of deposit or retail banking experience (or equivalent operational experience)

Detail-oriented with strong organizational skills

Comfortable working with partial information and asking clarifying questions to move work forward

Curious, motivated, and eager to learn

Able to collaborate effectively and take direction from senior team members

Comfortable working in a dynamic environment with shifting priorities

Demonstrates high ethical standards and sound judgment

Uses a systematic approach to problem-solving with guidance

Able to identify basic issues and propose solutions while adhering to laws, regulations, and internal policies

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