Lending Payment Services Manager

Current Employees of Happen Bank: Please apply via your internal Workday Account
Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.
About the Role
Happen Bank is looking for a results-oriented Lending Payment Services Manager to join our Bank Operations team. This position will report directly to Sr Manager of Lending & Payments Operations. The Lending Payment Services Manager is responsible for overseeing key operational controls for movement of funds, strengthening lending operations processes, and supporting cross-functional initiatives that enhance compliance, efficiency, and scalability. This individual contributor role requires deep subject matter expertise, strong ownership of critical controls, and the ability to drive continuous improvement across payment services and Lending Operations (LOPs).
What You'll Do
Operational Ownership & Controls
Own and manage the SOC 1 worksheet and approval process, ensuring accuracy, completeness, and complianc
Maintain deep knowledge of Lending Operations functions, leveraging SOC 1 oversight to strengthen understanding of end-to-end operational processes.
Identify opportunities to enhance controls and mitigate operational risk.
Operational Excellence & Impact
Proactively expand scope of responsibility to support evolving business needs.
Drive knowledge sharing and cross-training initiatives to strengthen overall team capability.
Participate in and contribute to high-impact cross-functional projects, including SCRA, DebtIQ, and other strategic initiatives.
Support initiatives that enhance operational effectiveness, compliance standards, and process scalability.
Communication & Cross-Functional Partnership
Serve as a responsive and reliable resource for team members and stakeholders.
Apply a structured, root-cause problem-solving approach to resolve operational issues and prevent recurrence.
Escalate technical issues appropriately and partner with engineering and cross-functional teams to ensure timely resolution.
Build strong working relationships across Happen Bank teams to drive alignment and successful outcomes.
Qualifications & Attributes
Strong understanding of Lending Operations and payment services processes.
Demonstrated ability to own and manage key compliance controls (e.g., SOC 1).
Proven initiative in taking on expanded responsibilities and supporting strategic projects.
Effective communicator with strong collaboration and stakeholder management skills.
Analytical, detail-oriented, and solutions-driven mindset.
What You’ll Do
Serve in a hands-on capacity across core Lending Payment functions.
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 in a timely manner.
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 other emerging tools to accelerate research, analysis, and repeatable workflows while protecting sensitive data and validating outputs.
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, interest payment processing, and timely, accurate trade settlements
Processing payments to third party vendors and quarterly/yearly tax payments.
About You
Minimum of 5+ years of experience in the financial industry, working in a procedural driven environment doing personal lending or other types of financial and transactional processing
Strong understanding of treasury operations, cash management, or financial operations within a regulated financial services environment
Experience with ACH, wire transfers, check processing, and reconciliation processes
Demonstrated ability to improve processes, implement controls, and mitigate operational risk
Analytical mindset with strong attention to detail and data validation experience
Ability to work independently while collaborating effectively across teams
Strong organizational skills and the ability to manage competing priorities in a fast-paced environment
Experience supporting operational automation or system enhancements is a plus
Work Location
Lehi, Utah
The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.
Time Zone Requirements
Local Hours (MT)
While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.
Travel Requirements
As needed travel to other Happen Bank offices, national accounts, conferences, etc. Happen Bank will cover your travel-related expenses.
Compensation
The target base salary range for this position is 65,000 - 80,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).
We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.
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Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on