Operations Manager

Job Summary:

The FinTech Operations Manager will be responsible for managing and optimizing both traditional banking operations and fintech initiatives. This role requires a strategic thinker with a deep understanding of banking processes, financial technologies, and regulatory compliance, and Banking-as-a-Service (BaaS) models. The ideal candidate will lead cross-functional teams to ensure operational excellence, drive process improvements, and support the seamless integration of fintech solutions within our banking framework.

Requirements:

• Possess a deep understanding of fintech products, including their financial models, vendor relationships, unit economics, fraud prevention strategies, and customer acquisition processes.

• Experience with Banking-as-a-Service (BaaS) and BIN sponsorship models is a plus—including partner onboarding, transaction monitoring, and regulatory oversight.
• Strong familiarity with payment systems, card issuance, merchant card processing, and program management—including compliance with Visa and Mastercard regulations.

• Knowledge of Jack Henry core banking systems and their integration into fintech platforms is highly desirable.

• Collaborate with key departments—marketing, accounts payable, fraud prevention, customer support, and analytics—to gather and analyze data essential for operational decision-making.

• Oversee GL and payment reconciliation for each fintech product, ensuring accuracy and compliance.

• Partner with the product and IT teams to develop new fintech offerings and integrate them seamlessly into the bank’s infrastructure.

• Prepare and review monthly accounting reports and reconciliation for each fintech product to ensure financial accuracy.

• Conduct quarterly and annual budget assessments to track the financial performance of fintech products and ensure alignment with strategic goals.

• Support and manage the operational aspects of the bank’s fintech program, ensuring smooth onboarding, integration, and transaction processing in collaboration with fintech review teams.

Key Responsibilities:

• Operational Strategy and Execution: 

• Develop and implement strategies to optimize daily operations across both traditional banking and fintech platforms.

• Ensure efficient and smooth operations by managing staff, coordinating with various departments, and implementing policies and procedures to enhance productivity and compliance. 

• Process Improvement:

• Identify opportunities for process optimization and drive continuous improvement initiatives to enhance operational efficiency. 

• Oversee the daily functions of the bank, ensuring efficient and smooth operations, and implement policies and procedures to enhance productivity and compliance. 

• Oversee the scalability of operational processes to support the bank’s rapid growth and fintech partnerships.

• Team Leadership:

• Lead and mentor operations teams to ensure the successful execution of fintech projects. 

• Manage, inspire, and motivate junior managers to ensure operational excellence, service improvement, and process refinement. 

• Regulatory Compliance & Risk Management:

• Ensure all operations comply with relevant banking regulations, NACHA rules, and industry standards.

• Collaborate with compliance and risk management teams to implement and monitor adherence to regulatory requirements.

• Work closely with Risk and Compliance teams to ensure operational adherence to fraud and regulatory controls in BaaS programs, fintech partnerships, and payment networks.

• Ensure operational execution of fraud monitoring controls and transaction risk management frameworks in alignment with the Fraud Prevention team’s policies and strategies.

• Monitor and report on risk metrics to senior management.

• Technology Integration:

• Oversee the implementation and integration of fintech solutions within existing banking operations.

• Collaborate with IT and product development teams to ensure technology solutions meet operational and regulatory needs.

• Client Experience:

• Ensure a seamless and positive experience for clients interacting with both traditional and digital banking services.

• Address and resolve partner or client issues promptly and effectively.

Qualifications:

• Education:

• Bachelor’s degree in Finance, Business Administration, Information Technology, or a related field.

• Advanced degree or relevant certifications (e.g., PMP, Six Sigma) are a plus.

• Experience:

• Minimum of 5 years of experience in banking operations, fintech operations, or BaaS-related services.

• Proven track record of managing and optimizing operational processes in a financial institution or fintech environment.

• Experience working with Jack Henry core banking systems is a plus.

• Strong knowledge of BIN sponsorship, ACH, wire transfers, and payment networks.

• Skills:

• Strong leadership and team management abilities.

• Excellent analytical and problem-solving skills.

• In-depth understanding of banking regulations and compliance requirements.

• Proficiency in financial technologies, payment processing, and reconciliation methodologies.

• Exceptional communication and interpersonal skills.

• Experience with third-party fintech partnerships and BaaS operational frameworks.

Company Overview

Austin Capital Bank (ACB) is a rapidly growing technology company with a community bank charter. Based in Austin, Texas, we are one of the top-performing banks in the country and a nationwide leader in responsible financial innovation. We’re well on our way to building a $1 billion financial technology company, with current annual revenue approaching $50 million and an annual asset growth rate of over 50%. ACB has been recognized on the Inc. 5000 list of fastest-growing private companies in America multiple years in a row.

As a pioneer in fintech and banking, we control our own destiny—owning both our technology platform and bank charter, while remaining profitable and self-funded. We are a 5-star rated independent community bank and an FDIC member. Our product pipeline includes B2C, B2B, Banking-as-a-Service (BaaS), and embedded finance—innovations that would make even the most well-funded fintech unicorns take notice.

With all this growth and opportunity, we need an exceptional Operations Manager to help us scale our operations effectively.

Our Culture

We combine the stability of a profitable bank with the creativity and energy of a fintech startup. Our team executes with precision, yet we maintain a casual, family-friendly environment that values customer-focused and responsible innovation.

We look for people who share our mindset:

• The initiative of a high-growth startup.
• The work-life balance of a normal human.
• A competitive drive to win in the marketplace while being collaborative team players.

Our Core Values

We hire, fire, and promote by these values:

• Take Initiative – Bias toward action.
• No Big Egos – Self-confidence with humility.
• Honesty – Direct, forthright communication.
• Wicked Smart – Intellectually and emotionally self-aware.

If your favorite pronouns are “I” and “me,” this won’t be a great fit. But if your next career milestone reads, “Operations Manager on a TEAM that grew revenue from $50M to $500M in 5 years,” we should talk.