Senior Payments Operations Analyst

What You'll Do

• Provide oversight and quality control for high value payments, ACH files, and card transactions, ensuring accuracy, timeliness, and system stability
• Monitor transaction performance and trends to proactively identify risks, anomalies, and potential system impacts
• Lead complex investigations into payment discrepancies and transaction failures
• Perform in-depth root cause analysis to determine operational, technical, or external drivers and recommend corrective and preventative actions
• Ensure payment operations adhere to financial regulations (e.g., AML, KYC) and internal control requirements
• Maintain audit-ready documentation and partner with compliance and audit teams to address findings and strengthen controls
• Identify control gaps, inefficiencies, and scalability risks within payment workflows
• Partner with Product, Engineering, and Finance teams to design and implement process and system enhancements that improve efficiency, reliability, and risk posture
• Act as a senior subject matter expert supporting Customer Support, Finance, and R&D teams on payment data, escalations, and complex technical issues
• Translate transaction-level insights into actionable recommendations for stakeholders
• Oversee the review, investigation, and resolution of incoming chargeback claims to assess validity and financial exposure
• Analyze chargeback ratios, trends, and fraud indicators to provide strategic insights and drive preventative controls in partnership with payment and fraud teams

What We're Looking For

• A High School Diploma or equivalent required; Bachelor’s Degree preferred
• 5+ years of payments experience preferred
• Understanding of card payment systems