Job Description:

As a Senior Payments Operations Analyst, this role is accountable for the stability, scalability, and risk integrity of payment operations. The position focuses on optimizing end‑to‑end payment systems, defining and governing key performance metrics (e.g., transaction speed, failure rates, chargeback ratios), and serving as a primary escalation point for complex or high‑impact payment issues. The role requires advanced analytical judgment, strong cross‑functional influence, and the ability to translate transaction‑level data into strategic insights that drive system improvements, mitigate risk, and support business decision‑making.

What You'll Do:

• Provide oversight and quality control for high value payments, ACH files, and card transactions, ensuring accuracy, timeliness, and system stability

• Monitor transaction performance and trends to proactively identify risks, anomalies, and potential system impacts

• Lead complex investigations into payment discrepancies and transaction failures

• Perform in depth root cause analysis to determine operational, technical, or external drivers and recommend corrective and preventative actions

• Ensure payment operations adhere to financial regulations (e.g., AML, KYC) and internal control requirements

• Maintain audit ready documentation and partner with compliance and audit teams to address findings and strengthen controls

• Identify control gaps, inefficiencies, and scalability risks within payment workflows

• Partner with Product, Engineering, and Finance teams to design and implement process and system enhancements that improve efficiency, reliability, and risk posture

• Act as a senior subject matter expert supporting Customer Support, Finance, and R&D teams on payment data, escalations, and complex technical issues

• Translate transaction level insights into actionable recommendations for stakeholders

• Oversee the review, investigation, and resolution of incoming chargeback claims to assess validity and financial exposure

• Develop and submit comprehensive analysis using transaction data, receipts, records, and user logs

• Analyze chargeback ratios, trends, and fraud indicators to provide strategic insights and drive preventative controls in partnership with payment and fraud teams

What We're Looking For:

• High School Diploma or equivalent required; Bachelor’s Degree preferred

• 5+ years of payments experience preferred

• Understanding of card payment systems

Responsibilities:

• Provide oversight and quality control for high value payments, ACH files, and card transactions, ensuring accuracy, timeliness, and system stability
• Monitor transaction performance and trends to proactively identify risks, anomalies, and potential system impacts
• Lead complex investigations into payment discrepancies and transaction failures
• Perform in depth root cause analysis to determine operational, technical, or external drivers and recommend corrective and preventative actions
• Ensure payment operations adhere to financial regulations (e.g., AML, KYC) and internal control requirements
• Maintain audit ready documentation and partner with compliance and audit teams to address findings and strengthen controls
• Identify control gaps, inefficiencies, and scalability risks within payment workflows
• Partner with Product, Engineering, and Finance teams to design and implement process and system enhancements that improve efficiency, reliability, and risk posture
• Act as a senior subject matter expert supporting Customer Support, Finance, and R&D teams on payment data, escalations, and complex technical issues
• Translate transaction level insights into actionable recommendations for stakeholders
• Oversee the review, investigation, and resolution of incoming chargeback claims to assess validity and financial exposure
• Develop and submit comprehensive analysis using transaction data, receipts, records, and user logs
• Analyze chargeback ratios, trends, and fraud indicators to provide strategic insights and drive preventative controls in partnership with payment and fraud teams

Qualifications: