Job Description

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

At Happen Bank, we’re committed to improving financial health—not only for our members, but also for the merchants and business partners who deliver flexible financing solutions to their customers. Through our service philosophy, Lending Care, we lead with empathy, expertise, and proactive partnership to drive meaningful outcomes.

As a Sr Merchant Success Specialist, you will serve as a dedicated point of contact and trusted advisor for our merchant network—spanning medical and dental providers, home improvement contractors, retail merchants, service professionals, and small business owners. This is not a call center role. You will own the full lifecycle of the merchant relationship: from onboarding and compliance review, to proactive outreach, training, and ongoing account oversight.

In this elevated, multi-functional role, you will be expected to independently manage complex tasks across business onboarding, fraud and compliance review, merchant engagement, performance monitoring, and relationship servicing—bringing both analytical rigor and genuine partnership to every interaction.

What You'll Do

• Own end-to-end business onboarding reviews for new merchants—verifying identity, business credentials, and documentation through KYC/KYB/CDD procedures using third-party tools and internal systems

• Review and validate Beneficial Owner and Controller documentation, business agreements, banking information, and licensing requirements—escalating exceptions to leadership with clear findings and recommendations

• Create, update, and manage merchant records accurately in Springbok and Falcon, ensuring all registrations, account changes, and dispositions are properly documented and tracked

• Execute a structured new merchant engagement program, conducting proactive outbound calls at defined intervals to welcome, activate, troubleshoot, and build lasting merchant confidence

• Deliver tailored merchant training on Happen Bank’s financing tools and processes, ensuring merchant teams understand how and when to present financing options to their customers

• Monitor behavioral alerts and Tableau report flags on a daily and weekly basis, conducting timely business reviews to identify risk patterns and concerning activity

• Conduct comprehensive business oversight reviews—analyzing transaction behavior, escalating High Risk designations, managing ATO and First Party Fraud investigations, and submitting Unusual Activity Referrals when warranted

• Serve as the primary point of contact for ongoing merchant servicing across phone, email, and virtual channels—resolving inquiries, processing account updates, and managing escalations with ownership and follow-through

• Build strong, consultative relationships with merchants by understanding their business needs, identifying growth signals, and surfacing relevant insights to Sales and Account Management teams

• Maintain accurate records across all trackers, systems, and case notes; contribute to continuous improvement efforts and model Happen Bank service principles: Build a Relationship, Make It Easy, and Think Ahead

About You

• 1-3 years of experience in B2B account management, merchant support, partner success, financial services operations, or a related client-facing role requiring both relationship skills and analytical depth

• Demonstrated ability to independently manage complex, multi-step processes—from compliance review and risk assessment to proactive outreach and account servicing—without sacrificing quality or attention to detail

• Strong communication skills with a polished, professional presence across phone, email, and virtual channels; comfortable delivering consultative conversations that feel like trusted partner check-ins, not scripted calls

• Analytically minded with the ability to review data, identify patterns, document findings clearly, and make reasoned recommendations—even in ambiguous situations

• High degree of ownership and follow-through; you anticipate what’s needed, act before being asked, and bring issues to resolution with clear documentation

• Comfortable navigating risk and compliance concepts—including KYC/KYB, business identity verification, fraud indicators, and escalation protocols—or a strong willingness to learn and master them quickly

• Experience working across multiple systems, platforms, and tools simultaneously; tech-savvy and quick to adopt new workflows

• Ability to balance relationship-building with adherence to policy—understanding that protecting the business and protecting the merchant are not mutually exclusive

• Collaborative mindset with the ability to work cross-functionally with Sales, Fraud Operations, Account Management, Product, and Compliance teams

• Bachelor’s degree preferred, ideally in Business, Finance, Communications, or a related field

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
Primarily MT

Your role requires utilizing several programs at once, including an automatic dialer through your computer's internet connection. Happen Bank provides high-speed internet connections in its offices to properly support this work. To perform your work at a location separate from a Happen Bank office (e.g. hybrid schedule, where some of the workweek is performed at a home office), you must maintain a dedicated, high‑speed internet connection, with a minimum required speed is 100 Mbps download / 10 Mbps upload. However, we strongly recommend a connection of at least 300 Mbps download / 15 Mbps upload to ensure the best experience.

Travel Requirements
Monthly/quarterly/as needed travel to Happen Bank offices and/or other locations, as needed.

Compensation
$25.00/hr The salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Salary is just one part of Happen Bank Total Rewards package.

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.

#LI-Hybrid
#LI-SS1

#HBCD3

Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@happen.com.

Notice on AI Tool Use

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process.

You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out.

During the interview, we will collect the following categories of personal information from or about you: contact information, identifiers, professional and employment-related information, sensory information (audio/video recording), and any other categories of personal information you choose to share with us. We will use this information to evaluate your application for employment.

We will only share your interview, transcription, or summary with persons whose expertise or technology is necessary to process your application, evaluate your fitness for a position, and administer or support the tool. We will not sell your personal information or disclose it to any third party for their marketing purposes. For more information about how we will handle your personal information, please refer to our Privacy Disclosure

We will delete any recording of your interview promptly but in no event later than 30 days after making a hiring decision.