Financial Operations Program Manager

ABOUT US

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation.

At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you.

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The Financial Operations Program Manager is responsible for supporting and scaling the operational, reconciliation, and financial control framework that enables Coastal's Banking-as-a-Service (BaaS) ecosystem to grow. This role ensures new products and fintech partnerships launch with the data, operational processes, and controls necessary to achieve accurate, deterministic, transaction-level reconciliation while minimizing manual intervention.

Working across Financial Operations, Product, Engineering, Finance, Risk, Compliance, and external fintech partners, this role supports the design and continuous improvement of financial operations processes, reconciliation frameworks, automation, and operational controls. The Program Manager serves as a strategic partner throughout the product lifecycle, helping ensure operational readiness before launch, driving root cause resolution of reconciliation issues, and building scalable solutions that allow Financial Operations to focus on meaningful exceptions rather than routine transaction matching.

The ideal candidate combines expertise in banking operations, payment processing, data analysis, and financial controls with a passion for solving complex operational challenges through automation, technology, and cross-functional collaboration. This individual is equally comfortable analyzing large transactional datasets, partnering with engineers to improve system design, and working directly with fintech partners to improve data quality, operational processes, and reconciliation outcomes.

*** Must be available to work standard Pacific Time business hours (8 AM – 5 PM PT) regardless of location. ***

• Design and optimize partner funds flows and operational controls that support new products, strategic initiatives, and the Bank's Banking-as-a-Service ecosystem.

• Design reconciliation processes that minimize manual intervention and eliminate unreconciled transactions through automation and data integrity.

• Lead the investigation and resolution of complex financial and operational issues across the Bank's BaaS partner portfolio.

• Analyze financial operations, reconciliations, and partner activity to identify root causes, operational risks, and opportunities for improvement.

• Partner with Product and Engineering to design automation, reporting, and scalable operational solutions.

• Perform operational analyses, and control validations during partner implementations, escalations, audits, and other critical business events.

• Analyze operational and financial data using advanced Excel, SQL, and business intelligence tools.

• Design reporting, automation, and technology-enabled solutions that improve scalability, operational efficiency, and data quality.

• Leverage AI and emerging technologies to accelerate analysis, documentation, reporting, and decision-making.

• Translate business requirements into scalable technical solutions by partnering closely with Product and Engineering.

• Lead cross-functional initiatives across Financial Operations, Product, Engineering, Finance, Risk, Compliance, and external fintech partners.

• Partner with Product and Engineering to ensure operational, accounting, reconciliation and reporting readiness before new partner launches.

• Drive root cause resolution with external partners, ensuring…