Overview
This role involves managing payments operations to ensure the safety, efficiency, and profitability of payment systems within a SaaS environment. The Payments Operations Analyst will monitor payment processes, identify risks and optimization opportunities, and provide clear recommendations to leadership. The position requires strong analytical skills, technical literacy with payment systems and APIs, and the ability to collaborate cross-functionally.
Responsibilities
- Monitor the health of payment systems by reviewing operational and payment reports regularly, flagging risks and anomalies, and recommending next steps
- Analyze payment economics including basis points (BPS), effective rates, interchange fees, ACH costs, and vendor pricing to identify trends and cost-saving opportunities
- Manage projects and risks related to payments operations, tracking open items, dependencies, and priorities to keep initiatives on track
- Utilize AI tools to maintain compliance with card network rules, PCI-DSS, SOC 2, BSA/AML, and GDPR/CCPA regulations
- Build and maintain dashboards tracking key payment and risk metrics such as BPS, effective rates, ACH cap impact, Amex pass-through, attrition sensitivity, and compliance health
- Maintain compliance documentation, risk assessments, vendor scorecards, policies, and operational playbooks
- Serve as the primary contact for onboarding new payment processors and gateways, reviewing API documentation, verifying data mappings, and coordinating sandbox testing with Engineering
- Translate vendor payment logic, error codes, and processing rules into clear operational requirements for the development team
- Manage state money transmitter license tracking, including filing calendars, renewal requirements, and record keeping in coordination with Legal
- Collaborate with Engineering, Product, Legal, Finance, Marketing, Sales, and Customer Success teams to identify and mitigate risks and dependencies
- Prepare internal reports on payments operations and risk metrics for leadership
- Oversee chargeback and dispute operations by monitoring rates, identifying fraud patterns, coordinating responses, and escalating issues as needed
Requirements
- 3-5 years of experience in payments operations, payments strategy, or related roles within SaaS or fintech environments
- Strong understanding of modern payment processing ecosystems and system communications, including the ability to read API documentation and understand data flows
- Execution-oriented with the ability to move quickly and make recommendations without waiting for perfect information
- Advanced skills in Excel or Google Sheets and comfort learning new software platforms
- Experience using AI tools for compliance monitoring, drafting documentation, synthesizing regulatory updates, and accelerating analysis
- Familiarity with compliance frameworks such as PCI-DSS, SOC 2, BSA/AML, GDPR/CCPA
- Proven ability to collaborate with product and engineering teams, translating vendor documentation into business requirements
- Comfortable working cross-functionally with low ego and strong collaboration skills
- Experience in home improvement, home services, or construction technology is a plus
- Bachelor’s degree in Business, Finance, Information Systems, or a related field required
Compensation & Benefits
- Comprehensive and competitive health and wellness coverage starting the first of the month following hire
- 401(k) company match to support financial security
- Flexible Time Off (FTO) policy, 10 paid sick days, and 8 paid company holidays
- Employee Assistance Program (EAP) offering mental health, financial, and everyday support resources
- Access to exclusive discounts on groceries, entertainment, insurance, and more
- Wellness app with step challenges, workout content, meditation tools, and wellness blogs
- Team-building activities and company events to foster connection and growth
Location
Not specified in the original description.
The role reports directly to the Head of FinTech with a dotted line to the CFO/Finance function.