• Take Initiative – A bias to action – proactive vs reactive
• No Big Egos – Self-confidence with humility 
• Honesty – Direct forthright communication 
• Wicked Smart – Intellectually and emotionally self-aware 

The Role

What You’ll Do

Reconciliation & Account Oversight

• Own daily reconciliation of FBO accounts, operational accounts, and card settlement accounts for each BIN/BaaS fintech partner.
• Reconcile internal fintech partner ledgers against the banking core, identifying and resolving discrepancies in a timely manner.
• Build and maintain fully automated or semi-automated reconciliation workflows to reduce manual effort and increase accuracy.
• Monitor settlement activity and ensure funds flows are processed correctly across all partner programs.

Partner Operations & Integration

• Learn the operations, business model, and funds flow of each BIN/BaaS partner relationship end to end.
• Understand the technical integration between each fintech partner and the bank, including data exchange, API connections, and file-based reporting.
• Work directly with fintech partners to define, build, and deliver their daily and monthly required operational and regulatory reports.
• Serve as a knowledgeable operational point of contact for partner inquiries related to settlement, reconciliation, and reporting.

Data, Reporting & Analytics

• Collaborate with IT and the Analytics team to retrieve partner data and integrate reports into our Snowflake data warehouse.
• Analyze reconciliation data to identify trends, anomalies, and gaps that require investigation or process improvement.
• Partner with the Finance team to build predictive models for monthly and annual revenue forecasting tied to BIN/BaaS partner activity.
• Develop dashboards and reporting frameworks that provide visibility into partner account health and settlement accuracy.

What We’re Looking For

• Bachelor’s degree in Accounting, Finance, Economics, or a related field (required).
• 2–4 years of experience in BIN sponsorship, BaaS operations, card program management, or fintech partner operations.
• Strong understanding of FBO account structures, card settlement processes, and bank-fintech funds flows.
• Experience with reconciliation processes — ideally building or improving automated workflows.
• Strong analytical and problem-solving skills with the ability to work through complex, multi-source data sets.
• Comfort working with data tools and platforms; experience with Snowflake, SQL, or similar analytics environments is a plus.
• Familiarity with banking core systems (e.g., Jack Henry, Fiserv) and how fintech integrations connect to them.
• Self-directed and independent — you take ownership of your work and don’t need to be managed closely.
• Initiative-driven with a willingness to learn new systems, partners, and processes as the program grows.
• Strong attention to detail and a mindset oriented toward accuracy, auditability, and continuous improvement.

Nice to Have

• Experience working with card networks (Visa, Mastercard) on settlement and clearing processes.
• Knowledge of BSA/AML, NACHA, and FDIC regulatory requirements as they apply to BaaS programs.
• Background in GL accounting, journal entries, or financial reporting within a bank environment.
• Experience with data visualization tools (ThoughtSpot, Tableau, or similar) for operational reporting.

Why Austin Capital Bank

• Be part of a growing BIN/BaaS program with direct exposure to multiple fintech partnerships and business models.
• High-impact, high-autonomy role — you’ll build the reconciliation and reporting infrastructure, not just maintain it.
• Work at the intersection of banking, fintech, and data — gaining experience that’s increasingly valuable across the industry.
• Collaborative team culture with room to grow into senior operations, finance, or partner management roles.

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