Vice President - Cash & Card Management

POSITION SUMMARY

We’re looking for a strategic, hands-on leader to join our team as VP, Cash & Card Management, based out of our Central Texas offices. This in-person role offers a unique opportunity to shape and elevate Horizon’s card, cash, and virtual vault operations by driving performance, strengthening controls, and enhancing the experience for both our customers and internal partners.

As a key partner across Treasury, Retail, Finance, and Fraud, you’ll lead with both vision and execution—owning critical operational functions while identifying opportunities to improve efficiency, scalability, and revenue performance. You’ll play a central role in advancing our payment capabilities, optimizing vendor partnerships, and ensuring our operations evolve alongside the needs of the business.

You’ll thrive in this role if you bring a strong operational mindset, curiosity to challenge the status quo, and a collaborative approach to problem-solving. This is an opportunity to build, lead, and make a meaningful impact across the organization, with local travel in the Austin area as needed.

WHAT WILL I DO?

This role is responsible for leading and optimizing the Bank’s debit card and payment operations, virtual vault and cash management services, and the team supporting these critical functions.

Debit Card & Payment Operations

• Own the end-to-end debit card program, including processing, lifecycle management, and ongoing optimization of performance, controls, and customer experience.
• Lead digital payment capabilities (e.g., tokenization, digital wallets) and partner with Fraud/Risk to balance security, authorization strategy, and client experience.
• Monitor and analyze card performance (usage, approvals, declines, adoption) to identify trends, resolve issues, and drive growth in activation and interchange revenue.
• Oversee network, processor, and regulatory changes (e.g., Visa mandates, EMV, BIN management), ensuring seamless execution and strong operational governance.

Virtual Vault & Cash Operations

• Lead end-to-end Virtual Vault and cash operations, including setup, processing, reconciliation, and service delivery across branches and commercial clients.
• Manage cash positioning, ordering, and logistics across the Federal Reserve and armored carrier network to ensure accuracy and efficiency.
• Own key vendor relationships (e.g., armored carriers, vault providers, card networks), including pricing, performance management, and issue escalation.
• Partner cross-functionally (Treasury, Accounting, Retail, Fraud) to support cash and card services while driving continuous operational improvement.

Leadership & Team Development

• Lead and develop a high-performing team, fostering accountability, collaboration, and operational excellence. 
• Serve as a hands-on leader and strategic partner, contributing to enterprise initiatives and driving continuous improvement across the organization.
• Other duties as assigned and/or taken on.

AM I THE RIGHT FIT?

We are searching for professionals who have had proven success in their past careers, are self-motivated, and have a great attitude to join our team.

Specific requirements include:

• Minimum: Bachelor’s Degree and 5 years of treasury experience; or the equivalent combination of education and experience, which demonstrates the knowledge, skills, and abilities to perform the job duties of this position.
• Successfully led and managed an operations team. 
• Proven track record of developing future leaders of an organization.
• Ability to contribute immediately to strategies an
• Positive, self-motivated, and team-oriented with a collaborative and proactive approach.
• Strong decision-making skills with the ability to lead change, support company growth, and embrace opportunities for personal and professional development.

 Applicants must be currently authorized to work in the U.S. on a full-time basis. This position does not offer visa sponsorship now or in the future.

 Desired qualifications:

• 8 years of direct industry experience at a $2B bank.
• 5 years of management experience.
• 4 years in payments, cash management, or debit cards role.
• CFE, CAMS certification is a plus.

WHY HORIZON?

We’re not just your ordinary bank - we have something special here at Horizon. Our charter dates back to 1905, giving us over a century of experience serving Central Texas. We pride ourselves on creating lifelong customer relationships and business partnerships and have a reputation for an unwavering commitment to our teams, our communities, and our customers. 

Thanks to our diverse, energetic team, Horizon continues to grow and succeed:

• #1 locally owned bank according to Austin Business Journal Power Rankings.
• Top 40 community banks nationwide by S&P Global Market Intelligence.
• 2024 top 10 community bank according to American Bankers Association. 
• 2020 & 2021 Thriving Together recipient for outstanding company Wellness Program. Learn more about our benefit package below!

We’re proud of where our teams have gotten us and can’t wait to see where you will take us next!

WHAT DOES IT MEAN TO BE ON THE HORIZON TEAM?

Our commitment to our employees goes beyond base pay—it includes the tangible things like salary, benefits, and special employee programs such as training & development, wellness, and flexible sick time. Equally important are the intangible factors like challenging work, a community focused mindset, and the opportunity to grow professionally. We do not hire resources; we invest in people.

Benefits available to you include: 

• Health coverage options including Medical, Dental, and Vision 
• Wellness Program that incentivizes you with premium cost savings 
• Employee Assistance Program to help you with life’s challenges 
• Basic Group term Life and AD&D to protect you and your family 
• The opportunity to become a shareholder of the Bank through our 401k Retirement Plan 
• Discounts on Pet Insurance 
• Time off policies meant to support your work-life balance 

INTERESTED?

This is a great opportunity to join a successful and growing organization. If you think that you could be the perfect fit, please apply now. Submit your resume and contact information for consideration.

Good luck and we look forward to hearing from you!

At Horizon Bank, we recognize that diverse perspectives and experiences drive innovation and success. We operate within a merit-based framework that fosters inclusivity and belonging, ensuring all individuals have the opportunity to contribute, develop, and thrive. We seek talented, qualified individuals for all career opportunities, without regard to any status protected under federal, state, or local law. Horizon Bank is proud to be an Equal Employment Opportunity Employer.

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