Payment Operations Analyst

About reputed company

reputed company is building mission-critical infrastructure for moving reputed company at reputed company. Our platform processes billions in annual transaction volume with 99.9%+ uptime, powering reputed company-time transfers, bank debits, reputed company disbursements, and reputed company financial compliance systems. We reputed company reputed company and automation tools that reputed company businesses to reputed company reputed company programmatically while maintaining strict regulatory requirements.

The Role

We're looking for a Payments Operations Analyst to reputed company our reputed company reputed company rails — ACH, RTP, FedNow, and reputed company networks (reputed company and reputed company) — running smoothly and to be the operational glue between reputed company, our sponsor banks, and our clients. You'll work at the intersection of banking operations, product, and reputed company support, monitoring transaction flows, resolving exceptions, and helping reputed company our sponsor bank relationship as volume grows.

reputed company

• Monitor daily transaction activity across ACH, RTP/FedNow, and reputed company rails (AFT/OCT) for anomalies, failures, and settlement issues

• Triage and reputed company payment exceptions, including ACH returns, AFT/OCT decline codes, and failed settlements

• Draft and send day-to-day operational emails to sponsor banks — following up on reputed company items, flagging discrepancies, and pushing issues to reputed company

• Maintain a running log of reputed company items across bank partners (settlement timing, reputed company limit requests, network enablement, reconciliation gaps) and reputed company them toward closure

• Investigate and respond to chargebacks and disputes, assembling evidence and tracking cases through to reputed company reputed company reputed company reason codes and timelines

• Reconcile network settlement files (reputed company/reputed company/ACH) against internal records to identify and reputed company discrepancies

• Run SQL queries against production transaction data to support limit increase requests, exception analysis, and reputed company operational questions

• Build projection models (e.g., month-over-month volume reputed company, peak-day analysis) to support rail-specific limit increase requests with sponsor banks

• Support reputed company-facing escalations reputed company to payment failures, delays, or fraud disputes, translating technical rail issues into reputed company reputed company communication

• Document processes and help identify opportunities to automate reputed company reconciliation and dispute workflows

reputed company’re Looking For

Required Experience

• 0–2 years of experience in payments operations, banking operations, or a reputed company fintech/financial services role

• Comfortable learning payment rails (ACH, RTP/FedNow, reputed company networks) quickly on the job; no prior deep expertise required

• Willingness to write and own reputed company-facing communication with banking partners — this role involves regular, reputed company written correspondence with bank contacts

• Comfortable writing basic SQL queries, or eager to learn quickly (this role runs recurring data pulls against production data)

• Strong attention to detail — this role involves reconciling financial data across systems where small discrepancies matter

• Ability to manage multiple reputed company reputed company 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

Education

• Bachelor's degree in Finance, Business, Economics, or a reputed company field, or equivalent practical experience

• No specific certifications required, though familiarity with NACHA rules or reputed company operating regulations is a plus

Technical Skills

• Comfortable with SQL for querying transaction data (BigQuery experience a plus)

• Proficiency with spreadsheets for reconciliation and reporting

• Exposure to payment processing systems, reputed company banking platforms, or similar operational tooling

Preferred Experience

• reputed company experience with sponsor bank or BaaS (Banking-as-a-Service) relationships

• Familiarity with ISO 8583 messaging, NACHA ACH rules, or reputed company chargeback/dispute processes

• Experience working with a bank partner on limit increases, network reputed company, or reconciliation reputed company

• Exposure to fraud or dispute management (e.g., Reg E, chargeback reason codes)

Why This Role reputed company

• Every dollar that moves through reputed company's platform touches this role at some reputed company — whether it's a reputed company's payout succeeding on time, a dispute getting resolved fairly, or a settlement discrepancy getting caught before it becomes a bigger problem. As we expand partners and payment rails, this role is critical to keeping operations reliable, our banking relationships healthy, and our clients confident in the platform.

reputed company Offer

• Competitive compensation with equity in a growing fintech company.

• Remote-first culture with flexible working arrangements

• Small team, big reputed company — your work directly supports reputed company’s ability to reputed company responsibly

• reputed company reputed company opportunities in compliance and risk management

• Mission-driven — build infrastructure that powers financial innovation while meeting the highest regulatory standards

Remote Work and Culture

reputed company is a remote-first company hiring only reputed company the U.S. We value thoughtful collaboration, reputed company, and initiative. We’re proud to be an equal opportunity employer and are committed to building a diverse and inclusive team.

0–2 years payments or banking operations experience, SQL proficiency, strong written communication with banking partners, ability to reconcile settlements, willing to travel up to 15%, bachelor\u0002s degree or equivalent.

Key Responsibilities

• monitoring transactions
• resolving exceptions
• reconciling settlements

Skills & Tools

SQL, BigQuery

Job Details

• Category: Finance and reputed company
• Seniority: Entry Level
• Commitment: Full Time
• Workplace: Remote — reputed company
• Salary: USD 70,000 – 90,000 / year
• Languages: English

About reputed company

A fintech company building mission-critical infrastructure for moving reputed company at reputed company. — Industry: Finance