The BIN/BaaS Operations Specialist manages daily reconciliation of accounts, ensuring accuracy between fintech ledgers and the banking core, while supporting partner operations and reporting. The role involves building workflows, analyzing data, and collaborating with teams to optimize financial oversight and performance forecasting.
Job Title: BIN/BaaS Operations Specialist
Location: Austin, Texas / in office 3-4 days per week
About Us:
At Austin Capital Bank we’re not just a bank and fintech company; we’re a dynamic team that’s all about innovation and building products that help people. Our commitment to creating meaningful user experiences drives everything we do, and we’re rapidly growing while keeping that start-up spirit alive. If you're eager to make an impact in the tech world, let's chat!
Austin Capital Bank is one of the fastest growing companies in the nation, receiving recognition on the INC 5000 five years in a row. Austin Business Journal also recognized Austin Capital Bank in its Fast 50 list for the fastest growing companies in Central Texas. We ranked #8 in companies with over $10 million per year in revenue.
We think and act like an entrepreneurially driven start-up BUT one that is profitable – the best of all worlds. Using our bank as a platform, we’re growing quickly and expanding into new digital markets and product categories at a rapid pace.
With all this opportunity and growth, we need exceptional individuals to join our team and enable our vision.
Our Core Values
Companies are defined by their core value and we hold these near and dear to our heart.
This role sits at the intersection of finance, data, and partner operations. You’ll need to deeply understand each partner’s business model, funds flow, and integration architecture — then use that knowledge to build reconciliation workflows, surface discrepancies, and support revenue forecasting. If you thrive on making sense of complex data, working independently, and building processes from the ground up, this role is for you.What You’ll DoReconciliation & Account Oversight
Human Resources: [email protected]
Location: Austin, Texas / in office 3-4 days per week
About Us:
At Austin Capital Bank we’re not just a bank and fintech company; we’re a dynamic team that’s all about innovation and building products that help people. Our commitment to creating meaningful user experiences drives everything we do, and we’re rapidly growing while keeping that start-up spirit alive. If you're eager to make an impact in the tech world, let's chat!
Austin Capital Bank is one of the fastest growing companies in the nation, receiving recognition on the INC 5000 five years in a row. Austin Business Journal also recognized Austin Capital Bank in its Fast 50 list for the fastest growing companies in Central Texas. We ranked #8 in companies with over $10 million per year in revenue.
We think and act like an entrepreneurially driven start-up BUT one that is profitable – the best of all worlds. Using our bank as a platform, we’re growing quickly and expanding into new digital markets and product categories at a rapid pace.
With all this opportunity and growth, we need exceptional individuals to join our team and enable our vision.
Our Core Values
Companies are defined by their core value and we hold these near and dear to our heart.
- Take Initiative – A bias to action – proactive vs reactive
- No Big Egos – Self-confidence with humility
- Honesty – Direct forthright communication
- Wicked Smart – Intellectually and emotionally self-aware
This role sits at the intersection of finance, data, and partner operations. You’ll need to deeply understand each partner’s business model, funds flow, and integration architecture — then use that knowledge to build reconciliation workflows, surface discrepancies, and support revenue forecasting. If you thrive on making sense of complex data, working independently, and building processes from the ground up, this role is for you.What You’ll DoReconciliation & Account Oversight
- Own daily reconciliation of FBO accounts, operational accounts, and card settlement accounts for each BIN/BaaS fintech partner.
- Reconcile internal fintech partner ledgers against the banking core, identifying and resolving discrepancies in a timely manner.
- Build and maintain fully automated or semi-automated reconciliation workflows to reduce manual effort and increase accuracy.
- Monitor settlement activity and ensure funds flows are processed correctly across all partner programs.
- Learn the operations, business model, and funds flow of each BIN/BaaS partner relationship end to end.
- Understand the technical integration between each fintech partner and the bank, including data exchange, API connections, and file-based reporting.
- Work directly with fintech partners to define, build, and deliver their daily and monthly required operational and regulatory reports.
- Serve as a knowledgeable operational point of contact for partner inquiries related to settlement, reconciliation, and reporting.
- Collaborate with IT and the Analytics team to retrieve partner data and integrate reports into our Snowflake data warehouse.
- Analyze reconciliation data to identify trends, anomalies, and gaps that require investigation or process improvement.
- Partner with the Finance team to build predictive models for monthly and annual revenue forecasting tied to BIN/BaaS partner activity.
- Develop dashboards and reporting frameworks that provide visibility into partner account health and settlement accuracy.
- Bachelor’s degree in Accounting, Finance, Economics, or a related field (required).
- 2–4 years of experience in BIN sponsorship, BaaS operations, card program management, or fintech partner operations.
- Strong understanding of FBO account structures, card settlement processes, and bank-fintech funds flows.
- Experience with reconciliation processes — ideally building or improving automated workflows.
- Strong analytical and problem-solving skills with the ability to work through complex, multi-source data sets.
- Comfort working with data tools and platforms; experience with Snowflake, SQL, or similar analytics environments is a plus.
- Familiarity with banking core systems (e.g., Jack Henry, Fiserv) and how fintech integrations connect to them.
- Self-directed and independent — you take ownership of your work and don’t need to be managed closely.
- Initiative-driven with a willingness to learn new systems, partners, and processes as the program grows.
- Strong attention to detail and a mindset oriented toward accuracy, auditability, and continuous improvement.
- Experience working with card networks (Visa, Mastercard) on settlement and clearing processes.
- Knowledge of BSA/AML, NACHA, and FDIC regulatory requirements as they apply to BaaS programs.
- Background in GL accounting, journal entries, or financial reporting within a bank environment.
- Experience with data visualization tools (ThoughtSpot, Tableau, or similar) for operational reporting.
- Be part of a growing BIN/BaaS program with direct exposure to multiple fintech partnerships and business models.
- High-impact, high-autonomy role — you’ll build the reconciliation and reporting infrastructure, not just maintain it.
- Work at the intersection of banking, fintech, and data — gaining experience that’s increasingly valuable across the industry.
- Collaborative team culture with room to grow into senior operations, finance, or partner management roles.
Human Resources: [email protected]
Top Skills
Snowflake
SQL
Austin Capital Bank Austin, Texas, USA Office
8100 Shoal Creek Blvd, Austin, TX, United States
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