Payment Operations Analyst
New
G
GustoFintech payments
San Francisco, CA - Hybrid; Seattle, WA - RemoteFull-TimeMiddle
Salary78,000 - 97,000 USD per year
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Job Details
- Experience
- 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution
- Required Skills
- SQL
Requirements
- Have 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution.
- Have working knowledge of domestic payment rails such as ACH/Nacha, wires, or RTP, and/or international money movement such as cross-border transfers, FX, or global disbursement networks.
- Bring strong analytical instincts and be able to query or structure data to find patterns; SQL is a plus but not required.
- Have experience working with bank portals, payment processors, or reconciliation tools.
- Communicate clearly with operational and technical counterparts, including engineers and bank partners.
- Be comfortable working in ambiguity and taking ownership without waiting for perfect information.
- Be willing to use AI in your work and develop fluency with AI tools.
- Knowledge of Nacha operating rules, unclaimed property, or money transmission is a plus.
Responsibilities
- Own the operational layer of payment workflows, including ACH processing, exception handling, refunds, collection re-debits, and reconciliation.
- Investigate payment issues, escalate when needed, and drive them through resolution.
- Identify patterns in payment issues and push to address root causes.
- Contribute to product specifications, surface operational pain points, help define requirements, and participate in launches with Product and Engineering.
- Analyze customer and CX feedback to identify friction in payment flows and bring insights into operational and product discussions.
- Connect issues across payment rails, partners, reconciliation, compliance, and customer experience.
- Work with domestic and international bank and payment partners to triage issues and resolve escalations.
- Use AI to support analysis, draft communications, synthesize data, and automate repetitive work.
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