Payment Operations Specialist

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November 1

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Flinks

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Fintech • Banking • Finance

Flinks is a company that provides financial data infrastructure to power innovation in the financial sector. It enables users to safely connect their bank accounts and transform raw transaction data into actionable insights, supporting open banking programs. Its solutions optimize loan underwriting, enhance digital banking, facilitate payments, and enable wealth management. By leveraging its extensive network of third-party applications, Flinks helps financial institutions innovate and build the financial systems of the future, serving the needs of fintech, wealth management, and traditional banking industries.

51 - 200 employees

Founded 2016

💳 Fintech

🏦 Banking

💸 Finance

📋 Description

• Monitor payment queues, file submissions, and settlements; trigger retries or reversals as needed. • Ensure settlement files are sent and received within expected timelines and banking windows. • Match transactions between Flinks’ internal ledger, processor reports, and client records (“end-to-end” reconciliation). • Identify and resolve mismatches quickly and document outcomes. • Investigate failed, delayed, or mismatched transactions; manage incident reports; work with Product and Tech to address root causes. • Communicate with clients on payment exceptions or recovery efforts; provide clear, timely updates with professional tone and empathy. • Monitor for unusual transaction patterns or limits being exceeded; escalate any suspected fraud or regulatory issues to the Risk/Compliance team. • Follow policies related to AML (Anti-Money Laundering), KYC (Know Your Customer), and ATF (Anti-Terrorist Financing) procedures. • Produce daily and weekly reports summarizing payment performance, failures, exceptions, and aged transactions. • Produce ad hoc reports for the finance team related to payment operations for billing and recovery purposes. • Analyze transaction data to refine Flinks’ financial models, support strategic decision-making, and optimize pricing and operational performance. • Maintain and improve Standard Operating Procedures (SOPs). • Identify automation opportunities (templates, alerts, scripts) to reduce manual work. • Collaborate with Engineering and Product to streamline tools and data flows.

🎯 Requirements

• 3-5 years of experience in **payment operations or fintech operations**, managing reconciliations, settlements, and transaction processing from start to finish. • Strong working knowledge of **banking and payment networks** such as EFT, ACH, and wire transfers - you understand how money actually moves. • Hands-on experience investigating **exceptions and failed transactions**, including NSFs, reversals, and mismatched settlements. • Highly analytical with exceptional attention to detail - you catch discrepancies before they become issues. • Advanced proficiency in **Excel or Google Sheets**; able to build reports, automate checks, and analyze transaction data with ease. • Familiarity with **SQL** or other data query tools to extract and validate financial information. • Excellent communicator and collaborator - equally comfortable working with **clients, internal teams, and banking partners** to resolve issues quickly and professionally. • Proven ability to **analyze payment trends**, identify opportunities to improve processes, and support strategic decision-making through data insights. • A proactive problem-solver who thrives in a fast-paced, high-volume environment and takes ownership of outcomes.