Digital Banking Operations Specialist

Why Brightside:  

For our clients - our mission is clear. To improve the financial health of working families. Brightside is an employee benefit with a brand-new approach to personal finance. We offer unique solutions to help with anything related to finances, emotions and behaviors that can impact our clients. We take a holistic view to provide unbiased and confidential assistance through an unmatched blend of products, technology and true human care. Our goal is to make it easier for our clients to understand their options to obtain long-term financial health and gain peace of mind when it comes to financial matters.

For our employees - we believe in inspiring careers, a great life/work balance and meaningful work that truly makes a difference in the lives of working families. Your work will have direct impact on the lives of our clients. You will have the opportunity to see a growing start-up from the inside out and see how passionate our employees are about the work we do and the outcomes we are creating for others.

A bit about this role: 

If you're looking for a dynamic role where you can make a real impact in banking operations, risk management, and fraud prevention, this is the opportunity for you. You'll be at the forefront of ensuring financial security, handling high-stakes dispute resolutions, fraud investigations, and regulatory compliance while working directly with customers to provide solutions that matter. This role offers a mix of independent decision-making and collaboration across teams, allowing you to shape policies, refine processes, and improve risk management strategies. With access to cutting-edge banking systems like Helix and Centrix, you'll play a key role in safeguarding accounts, managing escalations, and ensuring compliance—all while developing your expertise in fintech and digital banking. If you thrive in a fast-paced environment, love problem-solving, and want to be part of a company that values innovation and efficiency, this is the perfect place to grow your career.

• Manage daily activities for all Brightside banking operations, including but not limited to: negative balances, ACH returns (R01 and other), suspected fraud, Falcon Debit card alerts, Card/ATM/ACH Disputes, and KYC/OFAC discrepancies
• Direct client communication is  required as a result of any of the above named functions, as well as the fielding and handling of any escalations related to Brightside offered banking products while consistently considering the Brightside mission
• Risk analysis and decisioning related to at-risk bank accounts, locking/unlocking of users and accounts, voiding transactions, and account closure/funds issuance 
• Continuous assessment, monitoring, and improvement of Brightside financial product policies and processes to minimize risk
• All client communication related to regulatory/compliance related activities, including but not limited to: change in account terms and conditions, interest rate changes, tax form availability, and banking partner migrations
• Monitoring of Brightside banking portfolio to measure and improve: time to resolution for banking operations tasks, total program losses and recommendations for improvement, effectiveness of financial product policies/procedures, and overall risk in the platform

• Reg E Dispute Resolution Expertise – Strong knowledge of Regulation E and EFT dispute handling processes, including investigation, provisional credit issuance, and resolution timelines.
• Banking Operations Experience – Hands-on experience in payments processing, ACH transactions, chargebacks, fraud prevention, card management, KYC/OFAC, and compliance-related operational workflows.
• Fintech or Banking Industry Background – Previous experience working in a fintech, digital bank, or traditional financial institution with exposure to evolving regulatory and risk management challenges.
• Process Improvement & Risk Mitigation – Proven ability to analyze and optimize banking operation workflows, identify operational inefficiencies, and implement risk controls to reduce losses and ensure compliance.
• Systems & Vendor Management – Familiarity with banking core systems, dispute management platforms, fraud detection tools, and working with third-party processors (e.g., Visa, Mastercard, ACH networks).

Employee Benefits at Brightside: 

At Brightside you'll find a remote, safe, fun & inclusive work environment.

We have a competitive benefit plan including generous time off, medical, dental, vision, short/long term disability, life insurance, commuter options and a 401(k) plan.

Equal Employment Opportunity Commission: 

Brightside is an equal opportunity employer and values diversity. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.