Payment Operations Manager

OperationsOperationsFull TimeRemoteSeniorTeam 11-50H1B No SponsorCompany SiteLinkedIn

Location

United States

Posted

2 days ago

Salary

$95K - $140K / year

Seniority

Senior

Bachelor Degree5 yrs expEnglishRuby on Rails

Job Description

• Own end-to-end reconciliation across all Astra rails: Visa Direct, Mastercard Move, RTP, FedNow, ACH, and stablecoin • Build and maintain daily/intraday settlement processes that catch breaks early and resolve them fast • Partner with Engineering to automate reconciliation pipelines -- reducing manual toil, not just documenting it • Establish clear exception workflows: categorize, route, escalate, and close breaks within defined SLAs • Own the source-of-truth ledger that Finance, Product, and Banking partners can rely on • Design and operate the monitoring layer for transaction health: success rates, latency, return codes, and anomalies by rail • Build alerting that surfaces edge cases -- stuck transactions, unexpected return codes, settlement gaps -- before clients feel them • Partner closely with Engineering to instrument observability, write runbooks, and build self-healing automation where it makes sense • Own post-mortems on operational failures: root cause, remediation, and preventing recurrence • Track and report on operational KPIs weekly: settlement break rates, dispute win rates, mean time to resolve • Own the full dispute lifecycle across card network and ACH rails: intake, evidence compilation, submission, and outcome tracking • Build and maintain a dispute calendar that ensures no response deadline is missed across Visa, Mastercard, and NACHA • Manage the evidence workflow in coordination with clients and the Customer Success team • Track dispute rates by client, rail, and transaction type -- and surface patterns that indicate upstream product or onboarding issues • Serve as the day-to-day operational contact for Astra's banking partners across settlement, funding, and exception handling • Own the operational relationship with card networks (Visa Direct, Mastercard Move) and RTP/FedNow operators • Coordinate with Compliance on NACHA rule adherence, return rate thresholds, and network reporting requirements • Surface partner-level issues -- degraded rails, delayed settlements, network outages -- and manage communications internally

Job Requirements

  • 5+ years in payment operations, fintech operations, or financial partner operations at a payments infrastructure company, bank, or processor
  • Deep fluency in multi-rail money movement: ACH, RTP/FedNow, card push (Visa Direct / Mastercard Move), and ideally stablecoin rails
  • Hands-on reconciliation experience -- not just process ownership, but the ability to get into data, write queries, and build the tooling
  • Proven dispute and chargeback management background, including working knowledge of Visa and Mastercard dispute rules and NACHA return code frameworks
  • Technically fluent: comfortable working with engineers, reading API logs, and shaping monitoring requirements -- you don't need to code, but you speak the language
  • Operator's mentality: you build processes, not decks. You close loops. You own outcomes
  • Experience in an early-to-mid-stage company where you have had to build from scratch, not just maintain what exists

Benefits

  • Competitive compensation with equity in a growing fintech company.
  • Remote-first culture with flexible working arrangements
  • Small team, big impact — your work directly supports Astra’s ability to scale responsibly
  • Professional growth opportunities in compliance and risk management
  • Mission-driven — build infrastructure that powers financial innovation while meeting the highest regulatory standards

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