Hybrid Director Payments & Embedded Banking Operations bei THREAD BANK

Description

Who We Are

Thread Bank is a digital-first financial technology community bank that aims to enhance customer 

engagement through innovative solutions. Thread Bank offers a modern website, a CRM system, and a 

mobile app to simplify banking for businesses and individuals. Our embedded banking solution helps 

business technology platforms provide secure banking experiences. We also partner with other banks, 

credit unions, and FinTechs to integrate compliant financial solutions. Thread Bank values 

innovation, collaboration, and flexibility, offering excellent benefits and a family-friendly 

culture.

What We Are Looking For

The Vice President of Payments & Embedded Banking Operations (DPE) leads the day-to-day execution 

of Thread Bank’s high-volume payment operations and fintech partner enablement infrastructure. This 

role owns the operational control and performance of all payment rails (ACH, Fedwire, FedNow, RTP), 

oversees Finxact core and Infinant orchestration platforms, and serves as the operational backbone 

for embedded banking.

Duties & Responsibilities

•  Own daily execution of ACH, Fedwire, FedNow, RDC (technical side), RTP, and future rails 

including faster payments and cross-border integrations.

•  Maintain operational alignment with all regulatory and network requirements (NACHA, UCC4A, Reg 

E, FedLine standards).

•  Supervise exception processing, anomaly detection, dual controls, callback verification, and 

real-time queue handling.

•  Serve as operational owner of Finxact (core) and Infinant (orchestration) platforms.

•  Collaborate with Product and Engineering to configure posting logic, middleware orchestration, 

and fintech-facing APIs.

•  Ensure platform reliability, scalability, and audit readiness for all embedded banking 

transactions.

•  Oversee the day-to-day operational support of fintech programs, including ledger management, 

settlement support, transaction troubleshooting, and issue escalation.

•  Work with Onboarding Specialists and Analysts to bring new partners live efficiently and support 

SLA compliance.

  Develop and enforce first-line risk programs, including anomaly detection, KRIs, QC sampling, 

and self-testing.

•  Maintain control documentation for exams (ACH audit, FedLine compliance, BSA impacts).

•  Serve as exam liaison for payment-related walkthroughs and audit responses.

Fraud Prevention & Control Systems

•  The Director is responsible for the design, implementation, and ongoing management of preventive 

and detective control systems to protect against fraud across all payment channels, including ACH, 

Fedwire, FedNow, RTP, and embedded banking APIs.

•  Controls include deploying rule-based and behavior-based monitoring systems, managing fraud 

alert queues, and collaborating with the Fraud, InfoSec, and Compliance teams to ensure controls 

are risk-aligned and timely.

•  Establish escalation protocols, maintain documentation for examiners, and drive continuous 

enhancement of controls as threat vectors evolve. They will also lead post-incident reviews and 

ensure lessons learned are embedded into both process and platform.

Team Leadership & Specialization

•  Manage teams including:

o Payment Ops (ACH, Wire, FedNow)

o Platform Operations (Finxact/Infinant)

o Fraud/Anomaly Monitoring (in partnership with Risk)

•  Build career paths for Analysts, and develop SMEs across payment channels or fintech 

programs.

Qualifications

•  8–10+ years in payment operations, BaaS support, or embedded finance execution roles, with 

increasing leadership responsibility.

•  Deep working knowledge of ACH, Fedwire, and real-time payment environments.

•  Experience managing API-driven platforms, core banking systems (Finxact ideal), or orchestration 

layers (e.g., Infinant, Treasury Prime).

•  Proven ability to lead fintech-facing operational support and develop scalable 

controls.

•  Strong collaboration across departments (Product, Risk, Compliance, Tech).

•  Experience transitioning from a BaaS provider (e.g., Unit, Synctera, Treasury Prime) to 

internalized payment infrastructure.

•  Prior regulatory or audit exposure (NACHA, FedLine, FDIC exams).

•  SQL/BI/reporting tool familiarity for investigating breaks and platform behavior.

Employee must be able to perform essential functions of the position and, if requested, Thread Bank 

will make reasonable accommodations to enable employees with disabilities to perform the essential 

functions of their job, absent undue hardship, in accordance with the ADA.

Thread Bank is an Equal Opportunity Employer. Thread Bank does not discriminate on the basis of 

race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or 

mental disability, national origin, veteran status or any other basis covered by appropriate law. 

All employment is decided on the basis of qualifications, merit, and business need.

By submitting your application, you give Thread Bank permission to email, call, or text you using

the contact details provided. We will only contact you with job-related information.