--- title: 'Business Banking Specialist II at Lead' canonical: 'https://feeny.ai/job/business-banking-specialist-ii-lead-kansas-city-apdhbvqjnjwf' type: 'job' last_seen: '2026-09-06' --- # Business Banking Specialist II at Lead - **Company:** Lead - **Location:** Kansas City, MO / Lee's Summit, MO / Blue Springs, MO - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-04-28 - **Last confirmed live:** 2026-09-06 - **Apply:** https://jobs.ashbyhq.com/leadbank/36ce23b9-f12e-4412-89af-1b2dd386539e/application **Skills:** Business Banking, Payments Products, ACH, Wire Origination, MRDC, RDC, Positive Pay, Google Workspace, Digital Banking Platforms, Q2 Business Online, Payments Platforms > The Business Banking Specialist II manages high-volume requests for business and payments clients, handling servicing, due diligence, and documentation. The role involves coordinating across internal teams, troubleshooting payments services like ACH and wire, and ensuring compliance with banking regulations while ma... ## 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: 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. ## 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) ## Other roles at Lead - [Principal Product Manager](https://feeny.ai/job/principal-product-manager-lead-kansas-city-0fca9b5k6vwh) — Kansas City, MO / New York, NY / San Francisco, CA / Sunnyvale, CA / United States - [Senior Technical Governance Program Manager](https://feeny.ai/job/senior-technical-governance-program-manager-lead-kansas-city-8pmttns6nwya) — Kansas City, MO / New York, NY / San Francisco, CA / Sunnyvale, CA / United States - [Regulatory Product Counsel](https://feeny.ai/job/regulatory-product-counsel-lead-kansas-city-7qpb4mkpm1yg) — Kansas City, MO / New York, NY / San Francisco, CA / Sunnyvale, CA / United States - [Part-Time Teller](https://feeny.ai/job/part-time-teller-lead-lee-s-summit-nbcpp3rfwhh0) — Lee's Summit, MO / Blue Springs, MO - [Senior Technical Account Manager](https://feeny.ai/job/senior-technical-account-manager-lead-united-states-tky2dn1t0tek) — United States - [Software Engineer V](https://feeny.ai/job/software-engineer-v-lead-san-francisco-acdbzygpcm5b) — San Francisco, CA - [Technical Account Manager](https://feeny.ai/job/technical-account-manager-lead-united-states-0e5h11sabasj) — United States - [Financial Crimes Analyst II, Third Party Partnerships](https://feeny.ai/job/financial-crimes-analyst-ii-third-party-partnerships-lead-united-states-nfm2hajxngg9) — United States - [Senior Product Manager](https://feeny.ai/job/senior-product-manager-lead-new-york-msydgxtzmnxq) — New York, NY / San Francisco, CA / Sunnyvale, CA / United States - [Senior FP&A & Treasury Strategy Analyst](https://feeny.ai/job/senior-fp-a-treasury-strategy-analyst-lead-new-york-6a223hzx68mh) — New York, NY