Payment Operations Lead

Overview

Mercury is building a complete finance stack for startups. We work hard to create the easiest and safest banking experience possible, so entrepreneurs and business owners can spend less time managing financial complexity and more time building what comes next.

Responsibilities

• Lead and develop a Payment Operations team responsible for supporting Mercury Bank’s payment rails, ensuring the team has clear priorities, strong operating standards, and the coaching needed to do excellent work.
• Build and scale payment operations desks across international wires, domestic wires, RTP, ACH, and checks, including the workflows, escalation paths, controls, documentation, and quality standards needed to support reliable money movement at increasing volume.
• Bring deep payments expertise to operational decision-making, helping the team navigate exceptions, investigations, returns, rejects, recalls, partner requirements, and the tradeoffs that come with moving money in a regulated environment.
• Improve operational efficiency through better processes, tooling, automation, AI-enabled workflows, dashboards, and measurement systems that reduce manual effort while preserving judgment and control.
• Partner closely with Product, Engineering, Compliance, Risk, Banking Partnerships, and other Operations teams to identify bottlenecks, improve workflows, and ensure payment operations are built for scale.
• Create a culture of ownership, urgency, and high quality, where the team understands not just what needs to happen, but why it matters for customers, partners, and Mercury.

Requirements

• 3-5+ years of experience in payments, banking operations, payment operations, business operations, or a related operational function, ideally in a financial institution, bank, fintech, or regulated technology company.
• Deep working knowledge of payment rails such as international wires, domestic wires, RTP, ACH, and checks, including money movement operations, payment exceptions, operational risk, controls, and the systems that support reliable payment processing.
• Experience leading, coaching, or managing an operations team, with a track record of setting clear expectations, improving performance, and building strong team operating rhythms.
• Excitement to make operations more scalable through process improvement, tooling, automation, AI, documentation, dashboards, and thoughtful measurement.
• Understanding how to operate in a regulated environment, including how to balance speed, customer experience, risk, compliance, and operational quality.
• Ability to communicate clearly and calmly, especially when work is complex, cross-functional, urgent, or sensitive.
• A high degree of ownership. Notice where the system is fragile, unclear, or too manual, and take responsibility for making it better.
• Comfortable working cross-functionally with Product, Engineering, Compliance, Risk, Banking Partnerships, and other teams to turn operational realities into better systems.

Qualifications

• BS/BA in Finance, Accounting, Economics, Business Administration, or a related field.
• Experience with payment systems and regulatory compliance.
• Strong analytical and problem-solving skills.
• Excellent organizational and project management skills.
• Ability to manage multiple projects simultaneously and meet deadlines.

Skills

• Payments expertise
• Team leadership
• Process design
• Automation
• AI
• Operational efficiency
• Regulatory compliance

Benefits

• Base salary ranging from $121,500 - $168,700 USD based on experience and location.
• Equity (stock options/RSUs).
• Comprehensive benefits package.

Pay

• Base salary ranging from $121,500 - $168,700 USD based on experience and location.

Schedule

• Full-time position.