Payment Operations Analyst

Overview

Payments are critical infrastructure that enables people to get paid on time. Payments Operations sits within the Money organization and is a cross-functional team spanning Engineering, Product, and Operations. The team supports money movement across core payroll, contractor payments, international money movement, and new offerings such as PEO.

This role focuses on end-to-end payment workflow ownership, resolving exceptions that require real judgment, and improving reliability and efficiency across payment systems. Strong systems thinking and the ability to coordinate responses during high-impact incidents are essential.

Responsibilities

• Support the payment lifecycle end-to-end

  • Own the operational layer of specific payment workflows, including ACH processing, exception handling, refunds, collection re-debits, and reconciliation
  • Investigate issues, escalate when needed, and drive cases through to resolution
  • Identify patterns and push for root-cause fixes

• Build alongside Product and Engineering

  • Contribute to product specifications
  • Surface operational pain points and help define requirements
  • Participate in launches and partner on building systems

• Close the loop on customer pain

  • Mine customer and CX feedback to identify friction in payment flows
  • Prioritize what matters and bring insights into operational and product discussions

• Think in systems

  • Connect details across rails, partners, reconciliation, compliance, and customer experience
  • Understand how issues ripple and bring that perspective to cross-functional conversations

• Hold partners to a high standard

  • Work directly with domestic and international bank and payment partners to triage issues and resolve escalations
  • Maintain strong working relationships and ensure issues do not stall

• Use AI to improve work speed and quality

  • Use AI as a genuine work partner to accelerate analysis, draft communications, synthesize data, and automate repetitive tasks
  • Proactively develop fluency as AI tools and workflows evolve

Requirements

• 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution
• Working knowledge of domestic payment rails (ACH/Nacha, wires, RTP) and/or international money movement (cross-border transfers, FX, global disbursement networks); experience across both is a strong plus
• Strong analytical instincts and ability to find the pattern behind the problem by querying or structuring data (SQL is a plus but not required)
• Experience working with bank portals, payment processors, or reconciliation tools
• Ability to communicate clearly with both operational and technical counterparts (e.g., crisp technical messages and professional escalations)
• Comfortable working in ambiguity and taking ownership without waiting for perfect information
• Eagerness to build AI into day-to-day work and develop fluency
• Knowledge of relevant compliance frameworks (Nacha operating rules, unclaimed property, money transmission) is a strong plus

Compensation & Benefits

• Cash compensation (targeted):
  • $78,000–$97,000 /yr for Denver & most remote locations
  • $97,000–$121,000 /yr for San Francisco, Seattle & New York
• Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above.
• Full-time employees receive competitive base pay, benefits, and equity (RSUs).

Location

• Offices are located in Denver, San Francisco, and New York City.
• Employees based in those locations are expected to work from the office on designated days approximately 2–3 days per week (or more depending on role).
• Office expectations also apply to all roles in Symmetry, a subsidiary with a physical office in Scottsdale.
• San Francisco office expectations encompass both the San Francisco and San Jose metro areas.
• When approved to work from a location other than a company office, a secure, reliable, and consistent internet connection is required (including non-office days for hybrid employees).
• Reliable, consistent presence is expected, whether working in-office, hybrid, or fully remote.

Equal Opportunity

The employer is an equal opportunity employer and does not discriminate based on legally protected characteristics. Reasonable accommodations are available for qualified individuals with disabilities and disabled veterans during the application process.