Payment Operations Specialist

Overview

This role is for a highly analytical, detail-oriented, and proactive Payment Operations Specialist. Payment Operations is central to day-to-day business execution—handling everything from deal origination and approvals to funding and customer repayments. The team ensures deals are accurately deployed, funds move on time, and transactions are properly reconciled.

The position goes beyond routine payment processing: you will own critical daily operations while helping build smarter, more scalable processes.

Responsibilities

• Own daily payment operations

  • Review, validate, and deploy approved deals, ensuring financial details, documentation, payment schedules, and approvals are accurate.
  • Execute and monitor vendor payouts, customer collections, refunds, and other money movement activities across payment rails and currencies.
  • Perform daily cash and payment reconciliations; investigate discrepancies and resolve failed, returned, duplicate, or misapplied transactions.
  • Manage time-sensitive priorities while maintaining accuracy and meeting banking deadlines.

• Investigate, question, and improve

  • Challenge unusual transactions, inconsistent information, or suspicious payment instructions before processing.
  • Investigate operational issues and platform bugs, identify root causes, assess broader impact, and drive resolution.
  • Develop a strong understanding of the platform and the end-to-end transaction lifecycle (from deal origination through funding and repayment).
  • Identify opportunities to simplify, automate, and scale workflows using modern tools, including AI agents and automation.
  • Partner with Product and Engineering to improve platform functionality, test solutions, and strengthen operational controls.

• Collaborate and take ownership

  • Coordinate with Finance, Capital Markets, Risk, Collections, and Customer Operations to resolve issues and ensure smooth handoffs.
  • Communicate blockers, risks, and outstanding items clearly and proactively, following through until resolution.
  • Support operational reporting, month-end reconciliations, and other cross-functional initiatives.

Requirements

• 2+ years of experience in operations, payments, treasury, or another analytical, execution-focused role—ideally in a fast-paced environment.
• Exceptional attention to detail and critical thinking; ability to notice inconsistencies and question assumptions.
• Strong analytical and problem-solving skills, including confidence working with large datasets and investigating complex issues.
• Curiosity and a systems mindset; interest in understanding how systems work and why problems happen.
• Strong ownership and independence; initiative, follow-through, and appropriate escalation.
• Comfort with technology, including Excel/Google Sheets, new platforms, and interest in AI tools and automation.
• Familiarity with US payment rails, including ACH and wire transfers, or comparable payment systems.
• Excellent communication skills and ability to collaborate across teams.
• Ability to prioritize and maintain accuracy in a fast-paced, time-sensitive environment.
• Fluent English, written and spoken.
• Availability to work US Eastern/Central business hours.
• Willingness to learn; preference for analytical ability and sound judgment over a specific degree or extensive industry experience.

Preferred Qualifications

• Experience in fintech, lending, banking, or B2B payments.
• Familiarity with SQL, BI tools, scripting, or automation platforms.
• Experience improving operational processes, controls, or internal systems.
• Experience using AI agents or automation tools in daily workflows.
• Spanish fluency.

Compensation & Benefits

Not specified in the provided job description.

Location

Availability to work US Eastern/Central business hours.