Lending Operations & Payments Leader

Happen Bank; Lehi (UT); Hybrid; USD 65,000 - 80,000; Full time

Job summary

Happen Bank, based in Lehi, Utah, seeks a results-oriented Lending Payment Services Manager to lead bank operations and ensure robust controls across cash movements, settlement, and reconciliation. This role combines hands-on processing with governance, risk management, and cross-functional collaboration to drive scalable payment services.

The ideal candidate has 5+ years in financial services, with experience in ACH, wires, and check processing, plus a proven track record of improving processes

Qualifications

• Minimum of 5+ years in the financial industry, with personal lending or transactional processing.
• Experience with ACH, wire transfers, check processing, and reconciliation.
• Ability to improve processes, implement controls, and mitigate operational risk.
• Analytical mindset with strong attention to detail and data validation experience.

Responsibilities

• Own and manage SOC 1 worksheet and approval process, ensuring accuracy, completeness, and compliance.
• Maintain deep knowledge of Lending Operations functions, leveraging SOC 1 oversight to strengthen end-to-end processes.
• Identify opportunities to enhance controls and mitigate operational risk.
• Manage daily cash movements between borrowers and investors via ACH, wires, and checks.
• Perform daily reconciliations between system activity and cash transactions, ensuring accuracy and data integrity.
• Investigate, identify, and resolve operational issues, discrepancies, and exceptions promptly.
• Partner cross-functionally to streamline treasury processes and enhance standard operating procedures.
• Identify, document, and implement treasury-related controls to strengthen risk management and compliance.
• Contribute to modernization and automation initiatives supporting new products and evolving bank infrastructure.
• Use AI and emerging tools to accelerate research, analysis, and repeatable workflows while protecting sensitive data.
• Participate in and help drive execution of ad hoc Investor and operational projects.
• Receive and process trades from third-party financial institutions; support swap transactions and timely trade settlements.

Skills

Lending Operations

Compliance controls

Analytical thinking

Stakeholder management

Problem solving

Job description

Happen Bank, based in Lehi, Utah, seeks a results-oriented Lending Payment Services Manager to lead bank operations and ensure robust controls across cash movements, settlement, and reconciliation. This role combines hands-on processing with governance, risk management, and cross-functional collaboration to drive scalable payment services.

The ideal candidate has 5+ years in financial services, with experience in ACH, wires, and check processing, plus a proven track record of improving processes