---
title: 'ACH Processor at Lead'
canonical: 'https://feeny.ai/job/ach-processor-lead-kansas-city-ef6y6tebswhe'
type: 'job'
last_seen: '2026-11-08'
---

# ACH Processor at Lead

- **Company:** Lead
- **Location:** Kansas City, MO
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-07
- **Last confirmed live:** 2026-11-08
- **Apply:** https://jobs.ashbyhq.com/leadbank/08782474-06bb-4e73-ad51-15bd9d5c9ee1

## Job description

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 ACH Processor will be responsible for processing bank and client ACH and wire transactions, reviewing electronic deposits, clearing item processing exceptions, working payment-related disputes, reviewing tools and reports for unusual/unexplained online and mobile banking activity, and responding appropriately. This role offers tremendous growth opportunities to learn from other Payments experts in an inclusive, supportive, technology-driven environment.

In this role you will:

- Accurately prepare and process all ACH requests within the timeframes established by Lead Bank.
- Review and process stop payment requests and Written Statements of Unauthorized Debit (WSUD), ensuring appropriate ACH returns are completed.
- Complete additional payment-related duties including, but not limited to, processing chargebacks, exception items, foreign items, adjustments, and returns.
- Review cashed check reports and process check exception items, adjustments, and returns as needed.
- Process Remote Deposit Capture (RDC), Mobile RDC, X9, and ATM deposits and place holds when required according to bank policy.
- File debit card disputes and ensure they are processed in accordance with Regulation E requirements.
- Process research requests received from branches and clients in a timely and accurate manner.
- Assist with placing cash orders for the bank and clients and enter and review associated system entries.
- Assist with internal and external audits and prepare daily and monthly operational reports. Cross-train across data processing functions and provide backup support as needed to ensure operational continuity.
- Perform other duties as assigned.

Qualifications:

- Have at least 1-3 years of banking experience
- Are action-oriented, with strong organization skills and attention to detail
- Are curious, have humility, are open to learning, and approach your work with a growth mindset
- Thrive working in a fluid environment with high autonomy
- Display exceptional communication skills while offering client support to internal and external clients
- Have strong analytical and problem-solving skills with the ability to make judgments with the information provided

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.

## About Lead

## Company Overview
- **One-liner**: Lead is a state-chartered, FDIC-insured bank that provides programmable financial services and Banking-as-a-Service (BaaS) APIs, enabling fintechs and crypto companies to embed compliant banking products into their own platforms.
- **Entity Type**: Private (Series B)
- **Headquarters**: Sunnyvale, California, USA
- **Founded**: 1928 (original bank), relaunched as a fintech-focused BaaS platform
- **Founders**: Jacqueline Reses (CEO), Erica Khalili (CLO/Risk Officer), and a team of fintech and banking veterans

## Core Business
- **Primary Industry**: Financial Services / Banking-as-a-Service (BaaS)
- **Target Customers**: B2B — specifically Fintech companies, crypto platforms, and other businesses that want to embed financial services (lending, payments, card issuing, deposits) into their own products
- **Mission/Purpose**: “Define what’s possible in banking” by combining regulatory expertise with modern technology to support builders and innovators

## Products & Services
- **Lend (Lending API)**: Originate secured/unsecured term loans and lines of credit, with disbursement via the platform’s rails.
- **Issue (Card Issuing API)**: Issue debit, prepaid, and credit cards through a card-issuing processor; Lead handles settlement, network oversight, and compliance.
- **Move (Payments API)**: Send and receive payments across domestic (ACH, wires), international, and blockchain (stablecoin) rails.
- **Store (Deposit Accounts API)**: Hold customer funds in FDIC-insured, multi-currency deposit accounts with flexible account structures.
- **Partner Platform**: A unified compliance and oversight portal for partners to manage risk, KYC/KYB, and regulatory reporting.

## Market Standing
- **Valuation/Market Cap**: Not disclosed
- **Key Metric**: Total Funding of **$200M** across 3 rounds:
  - Series B (Oct 2024): **$70M** — led by **Andreessen Horowitz** and **Khosla Ventures**, with participation from 5 other investors
  - Private Equity Round (Aug 2022): **$100M** — 5 investors
  - Debt Financing (Mar 2021): **$30M**
- **Notable Investors/Partners**: Andreessen Horowitz, Khosla Ventures, Chainalysis (compliance partner)
- **Growth Signals**:
  - **265 employees**, up **77.2% YoY** (LinkedIn, mid-2025)
  - Headcount growth fueled by hiring from Pinwheel, Square, Stripe, Loop Crypto, and Block
  - Active job postings: 17 roles (quarterly growth +21.4%)
  - Ranked in *Inc.* America’s Best Startup Employers 2025, *Forbes* Best Places to Work 2025
  - Certified as a “Most Loved Workplace” for 2025
  - Won “BaaS Innovation Award” from American Banker (2022, 2023, 2025)
  - Acquired Loop Crypto in Jan 2024 to strengthen stablecoin capabilities

## Competitive Advantages
- **Bank Charter**: One of only a few de-novo banks built in the last two decades in the US — offers the compliance and regulatory infrastructure of a fully chartered, FDIC-insured bank while operating like a modern fintech.
- **Composability by Design**: Its four product pillars (Lend, Issue, Move, Store) can be used individually or together, allowing partners to assemble custom financial products without being locked into a monolithic stack.
- **Stablecoin Expertise**: With the acquisition of Loop Crypto and dedicated stablecoin leadership, Lead is positioned to help partners move money via blockchain rails compliantly.
- **Founder-Led**: Leadership team has deep fintech and banking experience (including building a de-novo bank previously), reducing the risk of regulatory friction for partners.

## Strategic Focus
- **Deepening Stablecoin & Crypto Capabilities**: Recent Chainalysis collaboration to enhance blockchain compliance. Stablecoin payments are a growing priority.
- **Scaling Platform Adoption**: Opening up APIs (additional endpoints in active development) and documentation (e.g., `llms.txt` for AI-readiness) to attract more developer-friendly partners.
- **Winning BaaS Market Share**: Targeting fintechs and crypto companies that are dissatisfied with legacy BaaS providers (a crowded space that includes Synapse, Treasury Prime, etc.).
- **Talent Growth & Culture**: Rapidly scaling headcount while maintaining recognition as a top workplace — key to attracting engineering and compliance talent.

## Why Work Here
- **Culture**: Certified Most Loved Workplace 2025. Operating principles include “Client Obsession,” “Champion Change & Innovation,” “Embrace Divergent Perspectives,” and “Owner Mentality” — indicating a high-trust, empowered environment.
- **Remote/Hybrid Policy**: The company has 7 offices across the US (Sunnyvale HQ, Kansas City, New York, San Francisco, and others) but job postings (e.g., Software Engineer, Technical Account Manager) do not explicitly state remote vs. in-office — likely hybrid or on-site for many roles.
- **Awards & Recognition**: *Inc.* America’s Best Startup Employers, *Forbes* Best Places to Work, *American Banker* BaaS Innovation Award — strong external validation of workplace quality.
- **Team Composition**: 51 technical employees (8% of workforce), heavily skewed toward specialists (103, 15%) and managers (45, 7%). Departments include Finance (98), Technical (51), Operations (21). Deep bench of talent drawn from Block, Stripe, Square, and Yahoo.
- **Perks**: Not explicitly listed on the careers page, but the culture emphasis on “owner mentality” suggests potential for equity, autonomy, and impact. The company is still in growth phase (Series B, recent 77% headcount growth) — likely means high ownership for new hires.
- **Who Should Apply**: Engineers (especially TypeScript, Python, blockchain), Technical Account Managers, Compliance/Risk specialists, and Product Leaders who want to work at the intersection of banking regulation and modern fintech.

## Sources
1. [lead.bank](https://www.lead.bank/)
2. [LinkedIn – Lead](https://www.linkedin.com/company/lead-bank)
3. [Explore Lead – Lead Bank](https://www.lead.bank/explore-lead)
4. [Most Loved Workplace Certified – Lead Bank Blog](https://www.lead.bank/blog-posts/most-loved-workplace-certified)
5. [Lead API Docs – What is Lead](https://docs.lead.bank/get-started/what-is-lead)

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