Staff Accountant (Embedded Banking)

Vantage Bank•San Antonio, TX

About The Position

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our employees, embracing diversity, fostering meaningful connections, and providing outstanding service every step of the way. JOB SUMMARY The Staff Accountant will support the accounting, monitoring, and reporting needs of the bank’s expanding technology‑driven business lines, including Banking‑as‑a‑Service (BaaS) and stablecoin‑based payment rails. They support daily accounting operations, as well as monitor and reconcile new digital‑asset‑related transactions. The Staff Accountant is responsible for maintaining accurate financial records for our fintech partnerships. They work closely with senior team members and gain exposure to innovative payment systems while contributing to the stability and accuracy of our financial processes. ESSENTIAL DUTIES The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.

Requirements

Bachelor’s degree in Business, Accounting or Finance.
3 - 5+ years of experience in accounting and finance, preferably in the banking industry.
Thorough knowledge of Generally Accepted Accounting Principles and FDICIA Internal Control requirements.
Knowledge of and experience working with state and federal financial and compliance regulations and other bank lending policies.
Strong understanding of basic accounting principles and reconciliations.
Proficiency in Excel and financial modeling tools; experience with SQL or BI tools is a plus.
Strong analytical mindset, attention to detail, and willingness to learn new systems and concepts.
Excellent organizational and prioritization skills, with the ability to balance multiple issues and projects in a fast-paced environment.
Excellent verbal, written, and interpersonal communication skills.
Must be self-motivated with strong initiative, high level of accountability, and attention to detail.
Must be a self-starter with the ability to work independently and as part of a team.
Ability to always maintain a high degree of ethical standards and complete confidentiality.

Nice To Haves

MBA or master’s degrees in Accounting or other quantitative disciplines preferred.
1 - 3+ years of experience with fintech environments, payments, and digital assets preferred.
CPA designation or interest in pursuing certification is preferred.

Responsibilities

Prepares daily and monthly reconciliations for general ledger accounts, settlement accounts, and BaaS related activity.
Assists with journal entries, accruals, and allocations.
Assists in month end and year-end close tasks.
Supports preparation of internal financial reports and regulatory documentation.
Assists in responding to audit requests and maintains organized documentation.
Maintains accurate financial records in accordance with GAAP standards.
Reconciles high volume transaction activity from fintech partners and embedded banking products.
Assists in tracking revenue streams such as interchange, program fees, and partner specific arrangements.
Works with BaaS operations and finance teams to ensure accurate accounting for new products and partner programs.
Maintains documentation for accounting processes and controls.
Assists with reconciliations involving stablecoin based payment flows, including minting, burning, and settlement activity.
Supports the integration of blockchain based transaction data into accounting systems.
Validates data from custodians, blockchain explorers, and payment platforms.
Identifies discrepancies and work with senior team members to resolve issues.
Supports efforts to streamline reconciliations and automate data flows from fintech and digital asset systems.
Assists in maintaining internal controls related to digital payments and high-volume transaction environments.
Identifies ways to improve processes and levels of efficiency.
Other duties as assigned.