Embedded Banking Officer

Bravera•Dickinson, ND

5h•Onsite

About The Position

Bravera is hiring an Embedded Banking Officer in Bismarck or Dickinson, North Dakota. The position coordinates the day-to-day administration, governance, and oversight of Bravera’s embedded banking program. It connects internal business, operations, technology, finance, risk, compliance, BSA/AML, fraud, information security, legal, and audit stakeholders with Central Payments to support controlled implementation and ongoing operations. The officer facilitates partner onboarding, committee reporting, issue escalation, regulatory readiness, and continuous improvement while keeping responsibilities assigned to the appropriate Bravera and Central Payments control owners. The role serves as Bravera’s primary business liaison with Central Payments and coordinates activities involving fintech partners, external advisors, and internal control owners. It supports partner evaluation and onboarding, program operations and oversight, management reporting, audit and examination readiness, incident communications, operational readiness, and monitoring. The position leads through coordination, influence, governance, and cross-functional accountability; it has no direct supervisory responsibilities. Bravera describes itself as employee- and director-owned and emphasizes trust, learning, collaboration, and continuous improvement. The company offers a competitive compensation package and opportunities for team-member growth and development.

Requirements

Bachelor’s degree in business, finance, banking, information systems, risk management, or a related field; equivalent relevant experience may be considered.
Five or more years of experience in banking, payments, fintech, program management, operations, third-party risk management, compliance, or a related financial-services discipline.
Working knowledge of embedded banking, sponsor-bank oversight, payment operations, deposit products, fintech partnerships, and third-party service-provider relationships.
Understanding of financial-institution governance and control functions and regulatory examination support.
Excellent relationship-management, facilitation, written communication, presentation, analytical, and problem-solving skills.
Ability to manage competing priorities, exercise sound judgment, escalate concerns promptly, and work effectively with senior leaders and external partners.

Responsibilities

Administer the embedded banking governance cadence, including meeting agendas, status reports, risk and issue summaries, decision logs, action-item tracking, and committee materials.
Serve as Bravera’s primary business liaison with Central Payments for embedded banking implementation, operations, governance, partner oversight, and relationship management.
Coordinate cross-functional activities among Bravera, Central Payments, fintech partners, and external advisors, documenting and assigning decisions, dependencies, deliverables, and follow-up items.
Coordinate partner pipeline reviews and support evaluation, due diligence, approval, contracting, onboarding, launch readiness, and post-implementation reviews.
Maintain program inventories, responsibility matrices, contact and escalation lists, contractual obligations, approval records, policies, procedures, and supporting evidence.
Monitor Central Payments and fintech partners’ service performance against contractual requirements, service levels, reporting obligations, audit commitments, and remediation plans; escalate exceptions to accountable Bravera owners.
Facilitate operational readiness across account opening, transaction processing, settlement, reconciliation, card management, disputes, complaints, fraud operations, customer support, and financial reporting, without replacing designated process owners’ accountability.
Coordinate with Compliance, BSA/AML, Fraud, Information Security, Third-Party Risk, Operations, Finance, Legal, Internal Audit, and business owners to support monitoring and timely completion of required reviews.
Assist with regulatory examination and audit readiness by organizing documentation, evidence, responses, issue tracking, and management reporting with responsible subject-matter experts.
Coordinate incident, complaint, and service-disruption communications between Bravera and Central Payments; ensure matters are documented, escalated, and tracked under applicable procedures.
Analyze program reporting, operational trends, partner performance, deposit and transaction activity, exceptions, and emerging risks; prepare management summaries and recommended follow-up actions.
Support business continuity, disaster recovery, information-security, data-governance, and third-party oversight activities applicable to the program.
Identify opportunities to improve controls, reporting, workflows, documentation, customer outcomes, and operating efficiency; coordinate approved enhancements with internal owners and Central Payments.
Maintain confidentiality and professionalism regarding customer, employee, partner, and proprietary information.
Provide prompt, efficient, and courteous service to internal customers of Bravera Holdings Corp. and subsidiaries.
Follow applicable laws, regulations, policies, and procedures, including Bank Secrecy Act requirements; remain vigilant for potentially illegal or fraudulent activity and report suspicious activity to the BSA Officer in accordance with Bravera procedures.
Contribute to the overall success of the organization.