Synctera’s cover photo
Synctera

Synctera

Financial Services

San Francisco, CA 86,077 followers

The platform powering the future of FinTech and embedded finance. Build great banking products with Synctera.

About us

Synctera’s platform gives companies of all sizes the technology infrastructure, sponsor bank connection, and compliance framework they need to launch FinTech or embedded banking products. With a single set of powerful APIs, companies are able to quickly launch and scale products such as debit cards, bank accounts, charge cards, lines of credit, and money movement. Whether you are a FinTech company or an established business wanting to embed banking into your existing product set, Synctera can help you bring your vision to life.

Website
https://www.synctera.com/
Industry
Financial Services
Company size
51-200 employees
Headquarters
San Francisco, CA
Type
Privately Held
Founded
2020
Specialties
Fintech, Bank, Compliance, Banking as a Service, Ledger, Embedded Finance, Debit Cards, Financial Services, Credit, Lending, Operations, Engineering, and Software

Locations

Employees at Synctera

Updates

  • Synctera reposted this

    View profile for Peter Hazlehurst

    Synctera19K followers

    Today, Synctera turns 6. 6 years ago, we set out with a clear thesis: banks and FinTechs need a modern, flexible platform to launch new products together with compliance built into the foundation. No "move fast and break things" - just thoughtful, clear and sensible building. Here's what 6 years of sticking to that original vision looks like: - 2026 starting off with record new customer signings - Bank partners trusting to serve as the infrastructure for their embedded finance programs and to operate key processes, like reconciliation, at scale - New Synctera-powered bank accounts almost tripling YoY - An incredible leadership team, including our first General Counsel Banking has always prioritized accountability, trust, and protecting people's money. Even if it comes at the cost of speed. We never lost sight of that. I wrote about our journey over the past 6 years and how we are thinking about the road ahead. Even the parts I am not as proud of (like our original name of Entangle). Cheers to the past 6 years of Synctera. The next 6 start now. P ps... want to build, hit me up at FTMU -> we're camped out at the House of Blues for the next few days here in Vegas. https://lnkd.in/gPKhDypY

  • Synctera reposted this

    View profile for Peter Hazlehurst

    Synctera19K followers

    Hey friends, at Fintech Meetup we’re hosting a panel discussion with our long-time partner Coastal about forming strong relationships between banks and FinTechs. I’ve seen dozens of different bank-FinTech partnerships at Synctera, and the ones that are the most successful are built on a foundation of trust and collaboration. Looking forward to having some of our customers and partners (Fancy, Float, Coastal) each share their own unique perspectives on how both sponsor banks and FinTechs approach building out these relationships and what ultimately matters for long-term success. We only have a few spots left so register here before it fills up. See you there. https://luma.com/i9pn6a1h

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  • Creating a complete financial ecosystem through embedded finance creates flywheel effects for non-bank lenders 🔁 Our Chief Financial Officer, Matias Pino, breaks down the embedded finance use cases for non-bank lenders and the way it enhances their overall business model. Check out the full article below to learn more 👇

    Non-bank lenders have a blind spot. It kicks in the moment they disburse funds to their customers. Once those funds are sent to the borrower the lender has no visibility, resulting in limited customer insights and imprecise risk management. Embedded finance presents an opportunity for non-bank lenders to build out a complete financial ecosystem for their borrowers by combining card and bank products, unlocking three powerful flywheels for their business model: 1) Revenue flywheel: Earn interchange on card spend and interest on deposits, creating revenue streams that aren't tied to credit risk 2) Risk flywheel: Monitor real-time cash flow on bank accounts as well as spend behavior to assess risk and optimize credit products while staying ahead of delinquency 3) Data flywheel: Unlock dynamic credit/pricing features, smarter cross-selling (timing) and tailored partnership opportunities based on actual borrower behavior The disbursement of funds doesn't have to be the end of the value a lender provides. With the right embedded finance strategy, it can be just the beginning. Learn more about the embedded finance strategy for non-bank lenders in the article below.

  • Building the future of finance doesn't just require the right tech, it also requires banks and FinTechs to form strong partnerships together to drive innovation.    Synctera is teaming up with Coastal to host a panel discussion at Fintech Meetup that dives into what it really takes to build these working relationships. From first conversations and due diligence to the trust dynamics that determine whether a partnership thrives or stalls. Hear from banking and FinTech operators: → Leigh Gross, CRO at Synctera (Moderator) → Michael Costigan, CCO at CoastalSara Schmitt, COO at FancySteve Bercovici, Payments & Banking Partnerships Lead at Float The event will take place at the House of Blues Restaurant, in the Mandalay Bay, on March 31st @ 10am PT. 👉 Register here: https://luma.com/i9pn6a1h

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  • Synctera reposted this

    View profile for Peter Hazlehurst

    Synctera19K followers

    We’re off to a really strong start in 2026 with tons of customer momentum and growth. Even better, I'm excited to introduce a new addition to the Synctera team with Conway Ekpo, joining as our first-ever General Counsel. Just six weeks into our fiscal year, we’re busier than ever and already have significant traction: + Signed 6 fintech implementation agreements + Signed 1 new bank + Renewed contracts with 2 existing clients + Activated 6 new clients (and 1 other any moment now) + Successfully launched payroll services company Cadana (congrats!) Bringing on our first General Counsel is an exciting milestone, and finding the right one is critical. Conway is exactly who I had been hoping to find. The right balance between corporate and technical legal combined with a deep understanding of the unique rules and regulations in FinTech, banking and payments. Navigating the ever-changing requirements, regulations, and laws in banking and payments calls for a very unique matrix of skills that Conway has. From working with big banks (like Morgan Stanley) to FinTechs (like Brex), he knows what this craziness looks like from the inside. For our next phase of growth here at Synctera, we'll harness all of that, plus his deep compliance background and functional knowledge of the law as it relates to businesses, banks, and consumers. He isn't just a thinker. He's a builder. We’re excited about Conway joining us and what the next few months and years will bring. With Fintech Meetup Meetup right around the corner, it will be great to see old and new friends alike. Hope to see you in Vegas. P

  • Synctera reposted this

    View profile for Peter Hazlehurst

    Synctera19K followers

    Hey there... Risk and Compliance in banking can sometimes feel like detective work, piecing together clues to catch people trying to abuse the system and cause harm to others. The role of technology is to find these clues and expose them in the right context so that detectives can piece it all together. With AI, the Synctera Platform is doing this faster than ever. Last week an example caught my attention and while I clearly can’t share details (BSA, PII, compliance!), I can paint a bit of a picture: - An end-user of one of our customers was flagged for suspicious activity on a transaction - Leveraging our new integration with Sphinx, our AI compliance agent went into action and found any and all clues that would help us better understand what that customer was doing and whether it was legitimate or not. - The AI agent found that the address used during KYB was included in a piece of news about an ongoing FBI investigation (reading the news, who knew?). - On top of that, the end-user was also wanted by a foreign government. These crucial details ended up being the “smoking gun” in this case. These links could have easily been missed during a routine AML investigation, or at the very least they would have taken someone a long time to find. Instead, they were packaged up in a neat report including source links and additional validation. Our team was able to immediately alert the bank and customer, action was taken, and everyone was really happy about it. When AI agents (like Sphinx) are put in the right context and trained on the right knowledge, it can make everyone incrementally better and more efficient at something they’re already excelling at. It’s cool to see our team already making faster and better decisions to protect our banks and customers. Our work isn’t done, of course. Just thought I’d share the fun win. More to come on this topic. P

  • Don’t just launch a credit card, build a product that people are excited to reach for every time they spend. We’re hosting a webinar that dives into how companies can build a credit card product that stands out from the competition. The webinar will be moderated by Synctera’s Director of Marketing, Nick Noufer, and feature a panel of three credit experts: 💳 Alex Johnson, Fintech Takes 💳 Matthew Goldman, Totavi, LLC  💳 Scott Johnson, LoanPro Together, we'll be discussing what it takes to build a competitive credit card program in today's market, including: - Designing rewards programs that resonate with cardholders - Taking a customer-first approach to servicing  - How macro-economic trends are shaping the future of credit 📅 Tuesday, March 24th at 10:00am PT / 1:00pm ET Whether you're a company thinking about launching a credit card program or looking to improve an existing one, this is a conversation you don't want to miss. Register using the link below 👇 https://lnkd.in/gtjiR6Nu

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  • Synctera reposted this

    View profile for Zoe (Schafer) Nanacsik

    Synctera454 followers

    4 years in a row. 6 years in business. 1 clear mission. 🚀 I’m thrilled to share that Synctera has been named one of Forbes 2026 America’s Best Startup Employers! 🏆 What makes this milestone feel extra special: The Math: Forbes starts with a list of 20,000 companies. To make the cut is an honour; to do it four years running is a streak we’re incredibly proud of. The Journey: We’ve only been around for six years. Spending two-thirds of our existence on this list tells us we’re building something that lasts. The "Why": We talk about culture constantly, but culture isn't just a buzzword here - it’s our engine. Our people are the reason we’re winning, and seeing that effort recognized is the best kind of validation. The best part? We’re just getting started. There is still so much to tackle, and the team is more than ready to keep the sleeves rolled up. 🛠️ https://lnkd.in/e44hyB32

  • FinTech never sleeps and neither do the best parties 🎶 🍸 We're teaming up with our partners Coastal and Sphinx to bring you FinTech After Dark, a late-night party at Fintech Meetup you won't want to miss. This is Synctera's 6th “After Dark” party and we’re more excited for it than ever, with the event featuring: 🎵 Live music 🍹 Specialty cocktails 💬 Great conversation on the future of FinTech & embedded finance We’ll see you at the House of Blues Las Vegas on March 31st at 9pm. Space is limited so secure your spot today before it fills up! 👉 Register here: https://luma.com/cu7mas64

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  • Our CPTO, Ellen Linardi, sat down with CardRates.com to break down how embedded finance is changing the way people access banking and payment products. During her time at Clover, Ellen saw how the experience of businesses accepting payments was separated between the software they used to manage their business and the terminal used to accept payments. Over the years, these systems became increasingly integrated. However, payment acceptance is just one aspect of how a business manages finances. Once they receive that money, how they manage and spend it still typically lives in a different system. Embedded finance is changing this by enabling platforms to integrate the entire financial process, from accounts receivable to accounts payable, into a single ecosystem. Check out the full video interview in the link below! https://lnkd.in/eX9YTdKJ

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