Manager Fintech Risk Management Jobs in Minnesota

Luminate Bank is redefining what modern banking can be. In just five years under its current leadership, the company has grown from a $62 million community bank into a $500 million financial institution, the fastest-growing state-chartered bank, while building one of the fastest-growing mortgage platforms in the country.

The momentum has been extraordinary:

• Grew bank assets from $62 million to $500 million in five years- the fastest-growing state-chartered bank

• Ranked a 2026 Top Workplace in Minnesota by the Star Tribune and #1 among large companies in Colorado Top Workplaces 2026

• Named a 2026 Top Workplaces Culture Excellence winner in eight categories and a Top Workplace nationally in Financial Services

• Surpassed$4 billionin mortgage originations in 2025

• Ranked among the Top 30 Mortgage Lenders nationally by Scotsman Guide

• Maintain a 4.9-star average rating across 45,000+ customer reviews

• Recognized by Freddie Mac with two 2026 Home Possible RISE Awards for Greatest Volume and Fastest Growth

• Honored by the Minnesota Mortgage Association as 2025 Leaders of the Year

But the story is bigger than growth metrics and awards. Luminate Bank is building a culture designed for ambitious, high-performing people who want to shape the future of banking. We move quickly, think boldly, and invest deeply in our people. Innovation, accountability, collaboration, and customer experience are at the center of everything we do.

What began as a rapidly growing lending and banking platform is now entering its next phase: building a nationally recognized financial brand that redefines how modern banking is experienced.For leaders who want the opportunity to build, scale, and leave a lasting impact, this is a rare moment to join a company with startup energy, national momentum, and a long runway ahead.

Position Overview:

Luminate Bank is seeking a dynamic and experienced Fintech Program Manager to support the growth and evolution of its Sponsor Banking platform. This role will be responsible for onboarding and managing fintech partners while helping design, build, and scale best-in-class sponsor bank programs. The Fintech Program Manager will serve as a critical liaison between fintech partners and internal stakeholders, ensuring that programs are launched efficiently, compliantly, and in alignment with the bank's risk framework and strategic objectives. This individual will play a key role in shaping program structure, driving execution, and enhancing Luminate's capabilities in the embedded finance ecosystem.

Responsibilities and Duties:

• Fintech Onboarding and Relationship Management
  • Own the planning, execution, and delivery of strategic fintech programs spanning multiple teams and workstreams.
  • Lead end to end onboarding process for new fintech partners, including due diligence, documentation, and internal approvals.
  • Act as the primary point of contact for fintech partners and senior stakeholders throughout implementation and ongoing program lifecycle.
  • Build strong, collaborative relationships to support long-term program success
• Program Development and Execution
  • Partner with internal teams (Compliance, Legal, Operations, Technology) to design and launch sponsor bank programs
  • Assist in developing program structures, including product design, account configurations, and service offerings
  • Support the creation of scalable processes and frameworks for onboarding and managing fintech programs
• Compliance and Process Optimization
  • Coordinate closely with compliance teams to support program reviews, controls, and ongoing monitoring
• Operational and Risk Coordination
  • Develop and document workflows, including onboarding procedures, data flows, and funds flows
  • Support vendor selection and integration efforts in collaboration with internal stakeholders.

Qualifications:

• 5+ years of program or project management experience with at least 3 years in financial services, fintech, and/or bank technology.
• Deep understanding of Banking as a Service (BaaS) models and embedded finance ecosystems.
• Experience managing or supporting BIN Sponsorship programs (credit/debit/prepaid)
• Familiarity with key payments networks including VISA, Mastercard, and Discover
• Knowledge of third party risk management and fintech oversight models
• Strong knowledge of Sponsor Banking relationships
  
• Strong understanding of regulatory and compliance considerations in fintech partnerships.
• Strong understanding of banking operations and digital payments.
• Experience with HSA Program Management preferred
  

Skills:

• Proven ability to manage complex, cross functional projects
  
• Excellent communication and relationship management skills
• Highly organized with strong attention to detail and execution
• Experience with fintech program onboarding, product development or partner integration

Benefits:

• Competitive total compensation package reliant on ability and experience.

• Excellent benefits package including health(co-pay and HDHP), dental & vision.

• Pre-tax Health Savings Accounts and FSA Medical and Dependent Care Accounts.

• Life and AD&D Insurance, as well asadditionalvoluntary benefit possibilities.

• 401K with robust company match.

• Generous Flexible PTO Program, including Earned Sick & Safe Time (ESST)

• The opportunity to work with the Midwest's fastest growing lender.

We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, Veteran status, or disability status.