ABOUT US 

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation.

At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you.

Check out our video here!

OVERVIEW 

The Senior Operations Program Manager supports the bank’s BaaS partner ecosystem by analyzing reconciliation outputs, strengthening operational controls, and driving end-to-end solutions across partner programs. This role is ideal for someone who thrives in ambiguity, can independently structure complex problems, and produces clear deliverables. You will partner with FinOps, Partner Ops, Product, Engineering, Risk, and external fintechs to resolve issues, design workflows, and create documentation that ensures accuracy and operational readiness. While not performing daily reconciliations, you will step in when needed for escalations, onboarding, or coverage.

RESPONSIBILITIES TO INCLUDE 

Reconciliations & Financial Accuracy

• Review, analyze, and validate reconciliation outputs prepared by the FinOps team; step in to perform reconciliations during escalations or new launches
• Assess variances across FBO-to-GL, partner files, and processor data (ACH, card, RDC, wires)
• Identify root causes of breaks and recommend structural improvements to reconciliation logic, workflows, and documentation 

Operational Problem Solving

• Investigate partner issues and translate ambiguity into clear requirements and process solutions
• Build repeatable workflows to reduce friction and strengthen operational controls
• Support audits and exams through data validation and robust documentation

Analytics & Reporting

• Perform deep-dive analyses using Excel and SQL to identify operational risks and trends
• Produce partner performance reports, variance dashboards, and analysis packages for leadership
• Develop templates to improve consistency of FinOps reporting and partner oversight

Cross-Functional Collaboration

• Partner with Product, Engineering, Risk, Compliance, and fintechs to understand file structures, data flows, and operational processes
• Support operational readiness for new partners and product enhancements
• Ensure processes meet policy and regulatory expectations

Documentation & Ownership

• Create polished SOPs, process flows, requirements, and exception-handling guides
• Own initiatives from scoping -- analysis -- solution -- documentation -- rollout
• Bring clarity to gray areas and ensure all workflows are repeatable and well-documented

QUALIFICATIONS  

• BaaS or fintech partner operations experience
• Familiarity with FBO structures, GL accounting, and core systems
• Exposure to platforms such as Synctera, Treasury Prime, Marqeta, Galileo, Finxact, Q2
• Experience with audits, exams, or SOX processes
• BI tool experience (Tableau, PowerBI, Looker) is a plus

EDUCATION/EXPERIENCE 

• 4–6+ years in financial operations, reconciliation, treasury, fintech, or banking
• Advanced Excel (pivot tables, complex formulas, reconciliation logic); Power Query a plus
• Basic SQL (joins, data pulls) 
• Strong understanding of payments and financial flows (ACH, debit, RDC, wires)
• Experience evaluating reconciliation outputs and identifying root causes
• Excellent documentation and communication skills
• Comfortable working independently in a fast-paced, ambiguous environment

HOW YOU’LL THRIVE AT COASTAL 

• Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development. 
• Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference. 
• Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust. 
• Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box. 
• Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder. 
• Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence. 

BEING YOU AT COASTAL 

Coastal is an equal opportunity employer. We are committed to providing a workplace free from discrimination and harassment. All employment decisions are based on merit, qualifications, and business needs. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status under applicable laws.? 

BENEFITS WE OFFER 

We’re proud to offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Our offerings include: 

• Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle. 
• Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions. 
• Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs. 
• Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly. 
• Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents. 
• Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury. 
• Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most. 
• 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future. 
• Paid Time Off: Generous vacation and sick leave policies to support your time away from work. 
• Holidays: Enjoy 11 paid holidays throughout the year. 
• Check out our benefits on our careers site! 

PHYSICAL DEMANDS 

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee must be able to: 

• Sit for extended periods of time. 
• Stand for extended periods of time. 
• Perform repetitive finger, hand, and arm movement. 
• Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.  
• View and read computer screens for extended periods. 
• Occasionally stoop, kneel, crouch, or crawl. 
• Occasionally lift or move up to 10 pounds. 

OTHER DUTIES 

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.