Payment Operations Analyst
$70,000–$90,000 year
RemoteUnited States
Job Summary
Monitor daily transaction activity across ACH, RTP/FedNow, and card rails for anomalies, failures, and settlement issues. Triage and resolve payment exceptions including ACH returns, decline codes, and failed settlements while drafting operational emails to sponsor banks. Maintain logs of open items, reconcile network settlement files against internal records, and run SQL queries to support limit increase requests and exception analysis. Investigate chargebacks and disputes, assembling evidence to track cases through resolution within card network timelines. Support client-facing escalations by translating technical rail issues into clear communication and document processes to identify automation opportunities.
Required Qualifications
- 0–2 years of experience in payments operations, banking operations, or a related fintech/financial services role
- Willingness to write and own external-facing communication with banking partners
- Comfortable writing basic SQL queries, or eager to learn quickly
- Strong attention to detail
- Ability to manage multiple concurrent open items/threads without letting things fall through the cracks
- Comfortable working in a fast-moving startup environment with evolving processes
- Ability and willingness to travel up to ~15% annually
- Bachelor's degree in Finance, Business, Economics, or a related field, or equivalent practical experience
Desired Qualifications
- familiarity with NACHA rules or card network operating regulations
- Comfortable with SQL for querying transaction data (BigQuery experience a plus)
- Proficiency with spreadsheets for reconciliation and reporting
- Exposure to payment processing systems, core banking platforms, or similar operational tooling
- Direct experience with sponsor bank or BaaS (Banking-as-a-Service) relationships
- Familiarity with ISO 8583 messaging, NACHA ACH rules, or card network chargeback/dispute processes
- Experience working with a bank partner on limit increases, network onboarding, or reconciliation projects
- Exposure to fraud or dispute management (e.g., Reg E, chargeback reason codes)
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