VP Program Operations - Embedded Finance

Position Summary

We define fintech partnerships. The Bancorp does more than enable payments innovation. We work side by side with clients, combining deep expertise with a technology-forward approach to deliver creative, practical solutions. We don't settle for what's possible today. We look ahead to what's next, helping clients grow and innovate with confidence.

The VP Program Operations - Embedded Finance leads the operational governance, execution, and oversight of embedded finance programs and partner relationships on behalf of the Fintech Solutions organization. This role manages a team of program and relationship management professionals and ensures programs operate in compliance with regulatory requirements, internal standards, and contractual obligations while delivering a high-quality partner experience. This role serves as a central coordinator and escalation point across Operations, Risk, Compliance, Product, and external partners. It drives operational efficiency, issue resolution, and continuous improvement while supporting the development and execution of embedded finance strategy. The position requires frequent interaction with senior internal stakeholders and external partner executives.

Key Responsibilities

1. Program Governance and Oversight
   • Ensures embedded finance programs operate in compliance with AML/BSA, KYC/CIP, fraud, consumer protection, and payments regulations.
   • Establishes and maintains effective oversight practices, controls, and monitoring frameworks.
   • Maintains documentation, procedures, and governance materials supporting regulatory expectations.
   • Reviews and approves process enhancements that strengthen risk posture and operational effectiveness.
2. Partner Management and Engagement
   • Leads partner interactions including business reviews, SLA monitoring, and issue resolution.
   • Serves as primary escalation point for partners and internal stakeholders.
   • Balances partner needs with The Bancorp's risk and compliance requirements.
   • Supports partner growth initiatives while maintaining strong governance.
3. Operational Execution and Performance
   • Ensures efficient day-to-day program operations and issue resolution.
   • Conducts root-cause analysis and implement remediation for high-impact issues.
   • Monitors and reports on operational metrics including processing issues, fraud events, and resolution timelines.
   • Drives continuous improvement through process optimization and scalability initiatives.
4. Cross-Functional Leadership
   • Partners with Operations, Risk, Compliance, and Product teams to align on program execution.
   • Supports development and execution of embedded finance strategic initiatives.
   • Collaborates on new product enhancements and operational readiness.
   • Assists in sales process by providing operational and risk input.
5. Team Leadership and Development
   • Leads and manages program operations and relationship management teams.
   • Sets performance standards and manage team outcomes in alignment with organizational goals.
   • Oversees hiring, training, and development of team members.
   • Fosters a collaborative, accountable, and high-performance culture.
6. Innovation and Scalability
   • Identifies opportunities to enhance scalability through technology and AI.
   • Drives innovation in program management practices.
   • Supports long-term growth and efficiency of embedded finance solutions.

Manager Responsibilities

• • Manages team of employees by overseeing day-to-day operations.
  • Sets high performance standards and manages team performance in accordance with HR policies and procedures.
  • Creates a flexible and energized work environment, fostering an atmosphere that enables employee trust and engagement.
  • Inspires confidence and motivates others to perform at their best.
  • Develops staff while effectively addressing performance issues.

Qualification Requirements

• Bachelor's degree or equivalent professional experience.
• 8+ years of management experience in banking or fintech with focus on account or relationship management.
• Deep knowledge of U.S. banking, payments, identity verification, financial crimes, compliance, and risk management.
• Experience managing enterprise clients and third-party service providers supporting card, payments, or deposit products.
• Strong understanding of consumer banking regulations and card network rules including UDAAP, Reg Z, Reg E, FDIC guidelines, and Visa/Mastercard requirements.
• Proven ability to work cross-functionally with operations, technical teams, and senior leadership.
• Advanced degree or professional certifications such as PMP.
• Experience supporting embedded finance or Banking-as-a-Service programs.

What Success Looks Like

• Programs operate with strong governance, consistent compliance, and minimal operational disruption.
• Partner relationships are stable and growing, supported by clear communication and effective issue resolution.
• Operational metrics demonstrate efficiency, scalability, and continuous improvement.
• The team performs at a high level with strong engagement, accountability, and development.
• Strategic initiatives are executed successfully with measurable business impact.

Why This Role Matters

This role ensures embedded finance programs operate safely, efficiently, and in full compliance with regulatory expectations. It is critical to maintaining partner trust, enabling scalable growth, and protecting The Bancorp from operational and regulatory risk while advancing strategic fintech initiatives.

Additional Information

This job will be open and accepting applications for a minimum of five days from the date it was posted.

This information reflects the base salary pay range for this job based on current national market data. Ranges may vary based on the job's location. We offer competitive pay that varies based on individual experience, qualifications and other relevant factors. We encourage you to apply to positions that you are interested in and for which you believe you are qualified. To learn more, you are welcome to discuss with us as you move through the selection process.

Working at The Bancorp Bank, N.A. and Benefits Information:

Company Culture & Background Screening

Company Culture at The Bancorp Bank :

The Bancorp Bank, N.A. is an EQUAL OPPORTUNITY EMPLOYER and will not discriminate on the basis of race, color, religion, gender, gender identity, sexual orientation, pregnancy, citizenship, national origin, age, disability, genetic information, veteran status or other protected category with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment.

Employment with The Bancorp Bank, N.A. includes successfully passing a background check including credit, criminal, education, employment, OFAC, and social media background history.

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