Banking as a Service (BaaS) Relationship Manager

Bangor Savings Bank; United States; On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Training and development programs

Health and wellness programs

Incentive programs

Job summary

Bangor Savings Bank is hiring a Banking as a Service Relationship Manager to oversee and support Fintech programs. You will be responsible for managing client relationships, ensuring compliance with regulatory requirements, and promoting program growth.

The ideal candidate should possess expertise in BaaS products and strong communication skills. Bangor Savings offers ongoing training, a competitive benefits package, and rewards for performance, making a difference in the lives of people in New England.

Qualifications

• Experience as a Relationship Manager or in a client-facing role.
• Understanding of BaaS, FBO account structures, and card issuing platforms.
• Ability to build and maintain client relationships.

Responsibilities

• Manage and retain Fintech programs as primary contact.
• Support onboarding of new Fintech clients.
• Ensure compliance with federal, state, and local regulations.
• Track performance metrics and identify process improvements.

Skills

Client relationship management

Communication skills

Problem-solving skills

Organizational skills

Business development skills

Customer service skills

Technical aptitude

Education

High school diploma or equivalent

College degree preferred

Job description

The Banking as a Service (BaaS) Relationship Manager is responsible for managing and retaining Fintech programs while serving as the primary point of contact for assigned clients. This role focuses on building trusted relationships, supporting onboarding and ongoing program execution, and delivering a high-quality client experience that drives satisfaction, retention, and long-term program success.

The Relationship Manager partners closely with the BaaS Relationship Manager Team Lead and cross-functional teams to deliver responsive service, support program growth, and contribute to onboarding new Fintech partnerships. This role independently manages day-to-day client interactions, proactively identifies client needs, and collaborates with internal stakeholders to resolve issues and enhance program performance. A working knowledge of BaaS products, payment processes, and Fintech operations is essential to ensure operational excellence and effectively support client offerings.

Responsibilities

Client Relationship Management

• Serve as the primary point of contact for assigned Fintech clients utilizing the BaaS platform.
• Support onboarding of new Fintechs and guide them toward customer-facing and market-live status.
• Build and maintain strong client relationships to support retention and contract renewals.
• Monitor and analyze client activity to identify opportunities for platform improvements and increased adoption.

Compliance & Risk Management

• Ensure adherence to KYC, AML, transaction monitoring, and other risk parameters.
• Manage the collection of required monthly reporting and elevate non-conformity as needed.
• Monitor marketing and compliance activities using third-party resources.
• Ensure compliance with all applicable federal, state, and local regulations.

Operational Excellence & Process Support

• Prepare and deliver reporting and/or presentation materials regarding the bank’s Fintech portfolio.
• Track program performance metrics and identify opportunities for process improvement.
• Collaborate with the BaaS Relationship Manager Team Lead and internal stakeholders to support growth initiatives.
• Stay current with industry trends, regulations, and best practices.

Additional Duties

• Perform other responsibilities as assigned by BaaS Leadership.

Knowledge/Skills/Experience Requirements

• High school diploma or equivalent required; college degree preferred.
• Proven experience as a Relationship Manager or similar client-facing role.
• Understanding of BaaS, FBO account structures, card issuing platforms, ACH/Wire origination, and industry trends preferred.
• Excellent communication, problem-solving, and organizational skills.
• Strong business development and customer service skills.
• Advanced computer literacy and technical aptitude.

Physical Demands/Conditions

• General office environment.
• Moderate lifting (to 35 lbs.) required.
• Moderate reaching, walking, sitting and standing required.

Equipment Used

• General office equipment.
• External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (or similar) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.

Benefits and Training

At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement. We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well‑done. At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters.

Equal Employment Opportunity

Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and/or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed.