Embedded Payments Analyst (Hybrid, Remote)

At Emprise Bank, everything we do is focused on empowering people to thrive. We proudly work to provide an extraordinary customer experience to help our customers achieve their goals.

The Embedded Payments Analyst will work closely with FinTech partners, platform providers, and internal teams to manage operations, oversee risk, and ensure regulatory compliance within the Embedded Banking line of business, including onboarding and ongoing oversight related to ACH, Wires, Faster Payments, and Mobile Deposits.

This position is eligible for a Hybrid schedule in Wichita, KS; Kansas City, MO; Omaha, NE; Sioux Falls, SD; and their surrounding areas. Remote in Oklahoma, Utah, and Texas.

A successful candidate will have:

• Familiarity with banking regulations and compliance requirements (e.g., NACHA, PCI, Reg E, and Reg CC).
• Proficiency in reconciliation and reporting tools; advanced Excel skills preferred.
• Experience with various payment rails and their functionality, as well as processing platforms
• Excellent analytical and problem-solving skills with attention to detail
• Strong communication skills to interact with technical and non-technical stakeholders
• Ability to prioritize and manage multiple tasks in a fast-paced environment
• Proactive mindset with a commitment to continuous improvement.

Essential functions of the role:

Payments Processing and Support

• Monitor and manage daily payment workflows across multiple channels, ensuring accuracy and timeliness.
• Investigate and resolve payment-related issues, collaborating with internal and external stakeholders.
• Support fund flows and account structures to ensure accuracy and efficiency.
• Provide support to the Bank Operations Transaction Services team as needed.

Reconciliation & Reporting:

• Maintain operational integrity through daily reconciliation of all internal accounts, resolving any discrepancies in collaboration with Finance and Accounting teams.
• Generate and analyze reports to track payment performance and identify trends or risks.

Partner Support and Compliance:

• Provide guidance and corrective action to FinTech partners to ensure adherence to applicable rules and regulations.
• Coordinate operational support between FinTech partners, platform providers, and Emprise Bank Operations.
• Support audits and regulatory reviews by providing accurate documentation and insights.
• Identify and mitigate operational risks in payment workflows through risk assessments, monitoring, testing, issue management, and training.
• Maintain current knowledge of relevant laws, regulations, and guidance impacting the Embedded Banking business.

Program Management:

• Support program monthly billing to processors and program managers.
• Familiarity with program contracts and banking regulations to ensure compliance
• Support implementation of new product and service capabilities within delivery deadlines to enhance scalability and accuracy.
• Identify inefficiencies in current processes and recommend improvements.
• Document and maintain standard operating procedures (SOPs) for payment operations.

Other duties as assigned within the scope and responsibility of the job

• Bachelor's degree in Finance, Business Administration, or related field (or equivalent experience).
• 3+ years of experience in banking, payments operations, or financial services.
• Strong understanding of payment systems (e.g., ACH, wire transfers, card networks).
• Familiarity with banking regulations and compliance requirements (e.g., NACHA, PCI, Reg E, Reg CC).
• Experience working in an Embedded Banking or FinTech environment preferred

In addition to a competitive salary and benefits, Emprise offers professional growth, a rewarding and challenging environment, opportunities to be involved in our communities, and a culture of integrity, passion, and success. We also offer shift differential pay for bilingual candidates!

At Emprise Bank, empowering people to thrive means having an all-inclusive culture that honors our commitment to all dimensions of diversity in our workforce and embraces inclusion of all people. People of color, women, LGBTQIA+, veterans, and persons with disabilities are encouraged to apply.

To learn more, please visit our website at www.emprisebank.com.

Emprise Bank is an EEO/AA/ADA/Veteran Employer/Member FDIC/Drug Free Workplace.

Emprise Bank participates in E-Verify and will provide your Form-I 9 to the federal government to confirm authorization to work in the United States.