Head of Payment Operations US
$220,000–$250,000 year
HybridSandy, Utah, United States
Job Summary
Lead the end-to-end payment lifecycle for Raisin's U.S. platform, owning transaction processing, multi-entity settlement, ledger reconciliation, and exception resolution. Design and launch operational workflows for new payment rails including RTP/FedNow, wires, and direct deposit while managing partner bank relationships and network rules. Build operational roadmaps to support product expansions and complex money movement flows, ensuring scalability and resiliency across all settlement environments. Anticipate operational risks, design controls, and manage audit readiness for external auditors and regulatory exams. Represent payments operations in executive forums to partner with Product, Engineering, Compliance, and banking partners on scalable financial infrastructure.
Required Qualifications
- 10+ years of leadership in payment operations, treasury operations, fintech, or digital banking
- Proven hands-on operational experience across multiple payment rails, spanning traditional banking rails (ACH, Wires) alongside Instant/Real-Time payments (RTP/FedNow), Card Issuing/Processing, or BaaS money movement ecosystems
- Experience/sound understanding of BaaS structures, Card BIN sponsorship, card issuer processors, and payment orchestration layers
- Deep expertise in general ledger reconciliation, multi-bank settlement environments, and operational control frameworks
- Experience with process and control designs, procedure writing, audit prep and management, including Soc audit program
- Track record of partnering with Product and Engineering to design, operationalize and launch new payment products
- Agile learning mindset: while expertise across every rail is not required, you have a proven ability to quickly master new payment mechanisms and regulatory standards
- A hands on, entrepreneurial operator who excels in fast-scaling, complex fintech environments
- Able to transition seamlessly between high-level operational strategy and hands on troubleshooting
- A team builder and enabler eager to transition the agile Payment Operations team into an empowered function, and build specialized operational functions as the platform expands
- Entrepreneurial, curious, and data-driven, with a passion for building scalable systems and improving operational resiliency
- Strong communicator with the ability to influence senior leaders and external bank partners
- Must be able to relocate to Sandy, Utah
- Must be available for a hybrid model with two days per week in the office
Desired Qualifications
- Experience with RTP/FedNow
- Experience with Card Issuing/Processing
- Experience with BaaS money movement ecosystems
- Experience with Card BIN sponsorship
- Experience with card issuer processors
- Experience with payment orchestration layers
- Experience with general ledger reconciliation
- Experience with multi-bank settlement environments
- Experience with operational control frameworks
- Experience with process and control designs
- Experience with procedure writing
- Experience with audit prep and management
- Experience with Soc audit program
- Experience partnering with Product and Engineering to design, operationalize and launch new payment products
- Ability to quickly master new payment mechanisms and regulatory standards
- Ability to transition seamlessly between high-level operational strategy and hands on troubleshooting
- Ability to build specialized operational functions as the platform expands
- Passion for building scalable systems and improving operational resiliency
- Ability to influence senior leaders and external bank partners
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