Spend Operations Associate

| Chicago
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The Spend Operations Associate will work in tandem with the Spend Operations Manager on the day-to-day operations of the M1 Spend product. Responsibilities are outlined below though as the Spend product is new to the M1 family, it will be expected that the Spend Operations Associate maintains a flexible attitude as the role solidifies based on the needs of the company. Responsibilities will range from daily tasks to those more strategic in nature. The Spend Operations Associate would benefit from previous banking and operations experience.


  • Oversight of Spend Operations Intern and the tasks he or she is assigned. Act as a resource for the Spend Operations Intern.
  • Escalation of manual review issues and rejections as well as communication with Lincoln Savings Bank where needed.
  • Support Client Success Associates as they answer Spend related tickets and calls.
  • Development and maintenance of internal trainings and customer facing support articles on Spend processes in partnership with the Spend Operations Manager.
  • Build and cultivate relationships cross functionally to improve processes, develop and execute promotions
  • Monthly processing of M1 Plus perks related to Spend such as cash back and ATM reimbursement queries to ensure timely payout of benefits.
  • Partnership with the Spend Operations Manager to process monthly write-off of negative Spend accounts.
  • Active participant in relationship with M1’s charter bank to support executing and prioritizing key initiatives. This includes gathering inputs for weekly calls and following up on next steps to ensure that the program is run as efficiently as possible.
  • Weekly creation and distribution of the complaints and disputes logs to the proper contacts at M1’s charter bank while more broadly serving as the liaison between the internal M1 compliance and operations teams.
  • Support the M1 Fraud team on Spend related fraud issues.
  • Execute on ad hoc projects that require comfort with numbers to make informed decisions.


  • 1-3 years of experience in financial operations or logistics
  • 1+ years of experience with complex and/or highly regulated products
    • Banking industry and regulation experience, a plus
  • Experience developing processes, meeting deadlines, and paying close attention to detail
  • Analytical, metrics and data-driven mindset
  • Experience in a fast-paced, high-activity environment
  • Strong communication skills, with the ability to work cross-functionally and communicate with leadership
  • Proven project management skills
  • SQL experience, a plus
  • Finance experience, a plus
  • FINRA licensing, a plus
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Technology we use

  • Engineering
    • PythonLanguages
    • ScalaLanguages
    • SqlLanguages
    • SwiftLanguages
    • ReactLanguages
    • NodeJSLanguages
    • KotlinLanguages


The M1 office is centrally located in Chicago's Loop, with easy access to public transportation and plenty of bars and restaurants nearby.

An Insider's view of M1 Finance

What’s the vibe like in the office?

Laid back but very energetic at the same time. We're always working on the next product update, the next campaign, and while it can be a bit demanding, every team is good about providing flexibility and we celebrate all successes together.


Art Director

How do you collaborate with other teams in the company?

Open communication and collaboration welcome at all times. We're always looking for ways to harness each other's expertise so that the whole is greater than the sum of the parts.


Digital Marketing Specialist

What makes someone successful on your team?

We look for people who are smart, ambitious, hard-working, and friendly.


VP of Engineering

What is your vision for the company?

M1 Finance should functionally change the way we manage our personal finances.


VP of Engineering

How do you empower your team to be more creative?

M1 has a mountain to climb, and we are always looking for more solutions. Any person on my team is empowered to come up with those solutions


VP of Engineering

What are M1 Finance Perks + Benefits

M1 Finance Benefits Overview

A great product is the result of a talented team and strong work culture. At M1, our philosophy is to hire unbelievably intelligent, motivated, high-integrity individuals and promote an environment that enables their best work.

Our company’s culture reflects what creative, intelligent people value in their careers: meaningful and interesting work, a fun environment, and financially rewarding opportunities.


Volunteer in local community
M1 sponsors volunteer opportunities in the Chicago community each quarter, which allows us to give back, bond as a team, and spend time doing things that are important to the employees of M1.
Friends outside of work
Eat lunch together
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Pair programming
Open office floor plan
Health Insurance & Wellness Benefits
Dental Benefits
Vision Benefits
Health Insurance Benefits
Onsite Gym
Retirement & Stock Options Benefits
401(K) Matching
M1 uses a SIMPLE IRA, which is similar to a 401K. It allows us to use the M1 platform for the retirement benefit. M1 will contribute 2%, regardless of the employee contribution, even if that is 0%.
Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
We provide up to 12 weeks of parental leave for the primary caretaker. M1 also provides 4 weeks of leave for the secondary caretaker.
Flexible Work Schedule
Return-to-work program post parental leave
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Holidays
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Company Outings
Game Room
Stocked Kitchen
Happy Hours
Professional Development Benefits
Job Training & Conferences
Diversity Program
Lunch and learns
Promote from within
Mentorship program
Our mentorship program includes Career mentoring, Leadership mentoring.
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