Treasury Operations Associate

Lithic's Treasury Operations team owns the movement of money across our card issuing infrastructure - network settlement, sponsor bank transfers, and the reconciliation that keeps it all provable. This is a hands-on, high-ownership role for someone who wants to learn the inner workings of payments and fintech infrastructure, not just observe them from a reporting layer.

You'll be running a critical, time-sensitive engine every day - and at the same time, working alongside the Head of Treasury Operations to improve how that engine works as the function scales. You'll also work cross-functionally across a wide range of teams (Finance, Treasury Engineering, Risk, Analytics, Processing, Customer Success, Bank Operations) - this role sits at the center of a lot of different workflows, not off in a silo.
What You'll Do

Execution (50%)

• Own day-to-day execution of network settlement transfers (Mastercard, Visa) and related treasury transfers across sponsor banks
• Operate in a time-sensitive environment where errors or delays have immediate downstream consequences
• Support reconciliation and ensure transfers tie out against expected activity
• Be a reliable, detail-oriented operator of an existing process - accuracy and consistency matter as much as speed

Process Optimization (20%)

• Take existing workflows and make them better: fewer manual steps, stronger controls, cleaner audit trails
• Identify friction or risk in current processes and propose (and build) improvements
• Balance improvement work against the need for strong financial controls - nothing gets streamlined at the expense of auditability

Project Support (30%)

• Support the Head of Treasury Operations on larger initiatives as the function scales
• Contribute analysis, documentation, and execution support to new treasury infrastructure, reporting, or process builds

Ongoing

• Run ad hoc data analysis (SQL, Excel) to answer operational and financial questions on the fly
• Support downstream audit and reporting needs tied to settlement and reconciliation activity
• Be available outside normal business hours in rare emergency situations (e.g., a failed settlement or bank-side issue)

What You'll Learn

This role is a front-row seat to the nuts and bolts of card issuing and payments infrastructure - network settlement mechanics, sponsor bank relationships, and the guts of how money actually moves through a modern fintech stack. You'll come out of this role with a depth of operational fintech knowledge that's hard to get anywhere else.
What We're Looking For

• 2-4 years of relevant experience in treasury operations, funds transfer/money movement operations, cash management, or a closely adjacent operational finance role
• Experience with reconciliation and financial controls - you understand why the numbers need to tie out, not just how to make them tie out
• Strong Excel and Google Sheets skills, including comfort with (or willingness to learn) Google Apps Script for automating recurring workflows
• SQL proficiency for querying and validating data (we use Snowflake and Metabase); Python or other scripting is a plus, not a requirement
• Working comprehension of accounting concepts and financial operations / money movement (ACH, wires, card settlement, or similar) - you should be knowledgeable about how transfers and reconciliation tie back to the books
• Familiarity with Jira and Slack, or similar ticketing and collaboration tools, for tracking progress and coordinating across teams
• Comfort shifting flexibly between fixed process workflows and operating in an agile enrivonment (sprints, tickets, iterative process improvement)
• Interest in operating in a fast-moving startup/fintech environment - this isn't a traditional back-office treasury seat

The annual US salary range for this role is $80,000 - $110,000 plus equity. This salary range may be inclusive of several career levels at Lithic and will be narrowed during the interview process based on the candidate's experience and qualifications.

This is a hybrid position. Candidates must be located within a commutable distance to our NYC office in Soho. We do not offer visa sponsorship or assistance.

Benefits for Full-Time US Employees:

• Unlimited PTO
• 12-weeks fully paid parental leave
• 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary)
• Work From Anywhere: work from anywhere in the world 4-weeks each year
• 3% cashback on card purchases with your complimentary Privacy.com employee account
• Health, vision, and dental insurance; HSA Contribution Match
• 401(k) match
• Voluntary Life Insurance and STD/LTD

NYC-based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs.

In-office employees receive:

• Commuter benefit
• Catered lunch every Tuesday and Thursday