Embedded Banking Officer

Bravera Careers•Dickinson, ND

4d•Onsite

About The Position

Bravera is hiring an Embedded Banking Officer in Bismarck or Dickinson, North Dakota. This 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 to support controlled program implementation and ongoing operations. The officer facilitates partner onboarding, committee reporting, issue escalation, regulatory readiness, and continuous improvement, while ensuring responsibilities remain clearly assigned to the appropriate Bravera owners. Success in the role includes timely and accurate coordination with fintech partners and internal control owners; effective governance routines, management reporting, decision records, and escalation processes; and disciplined due diligence, onboarding, testing, readiness validation, and post-launch monitoring for approved fintech programs. The officer is expected to provide prompt, efficient, collaborative, and courteous service to internal and external stakeholders. The position leads through coordination, influence, governance, and cross-functional accountability rather than direct personnel supervision. A bachelor’s degree in a relevant field is required, although equivalent relevant experience may be considered, along with five or more years of relevant experience.

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, preparing agendas, status reports, risk and issue summaries, decision logs, action-item tracking, and committee materials.
Serve as Bravera’s primary business liaison for embedded banking implementation, operations, governance, partner oversight, and relationship management.
Coordinate activities among Bravera, 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 fintech partner 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-owner accountability.
Coordinate with Compliance, BSA/AML, Fraud, Information Security, Third-Party Risk, Operations, Finance, Legal, Internal Audit, and business owners to support monitoring and required reviews.
Assist with regulatory examination and audit readiness by organizing program documentation, evidence, responses, issue tracking, and management reporting with responsible subject-matter experts.
Coordinate incident, complaint, and service-disruption communications and 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 applicable business continuity, disaster recovery, information-security, data-governance, and third-party oversight activities.
Identify opportunities to improve controls, reporting, workflows, documentation, customer outcomes, and operating efficiency, and coordinate approved enhancements with internal owners.
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.
Adhere to applicable laws, regulations, policies, and procedures, including Bank Secrecy Act requirements.
Remain vigilant for potentially illegal or fraudulent activity, including money laundering, and report suspicious activity to the BSA Officer in accordance with Bravera procedures.
Contribute to the overall success of the organization.