Payment Operations Analyst

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🕒 2 days ago

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Astra

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2016

💳 Fintech

🤝 B2B

🔌 API

Fintech • B2B • API

<Astra> Astra is a Payments Cloud platform that provides a vertically integrated, compliance-first solution for instant money movement across multiple payment rails (ACH, RTP, FedNow, Visa Direct, Mastercard Move). It centralizes processing plus KYC/AML, fraud screening, ledgering, reconciliation, disputes, and treasury behind a single API so businesses can launch payouts, instant funding, and accelerated bank transfers without building or maintaining a payments stack. Astra targets developer-led teams and platforms, enabling fast time-to-market, intelligent routing, and configurable payment workflows for B2B customers via one integration.

📋 Description

• Monitor daily transaction activity across ACH, RTP/FedNow, and card rails (AFT/OCT) for anomalies, failures, and settlement issues • Triage and resolve payment exceptions, including ACH returns, AFT/OCT decline codes, and failed settlements • Draft and send day-to-day operational emails to sponsor banks — following up on open items, flagging discrepancies, and pushing issues to resolution • Maintain a running log of open items across bank partners (settlement timing, rate limit requests, network enablement, reconciliation gaps) and drive them toward closure • Investigate and respond to chargebacks and disputes, assembling evidence and tracking cases through to resolution within card network reason codes and timelines • Reconcile network settlement files (Visa/Mastercard/ACH) against internal records to identify and resolve discrepancies • Run SQL queries against production transaction data to support limit increase requests, exception analysis, and ad hoc operational questions • Build projection models (e.g., month-over-month volume growth, peak-day analysis) to support rail-specific limit increase requests with sponsor banks • Support client-facing escalations related to payment failures, delays, or fraud disputes, translating technical rail issues into clear client communication • Document processes and help identify opportunities to automate manual reconciliation and dispute workflows

🎯 Requirements

• 0–2 years of experience in payments operations, banking operations, or a related fintech/financial services role • Comfortable learning payment rails (ACH, RTP/FedNow, card networks) quickly on the job; no prior deep expertise required • Willingness to write and own external-facing communication with banking partners — this role involves regular, direct written correspondence with bank contacts • Comfortable writing basic SQL queries, or eager to learn quickly (this role runs recurring data pulls against production data) • Strong attention to detail — this role involves reconciling financial data across systems where small discrepancies matter • Ability to manage multiple concurrent open items/threads without letting things fall through the cracks • Comfortable working in a fast-moving startup environment with evolving processes • Ability and willingness to travel up to ~15% annually • Bachelor's degree in Finance, Business, Economics, or a related field, or equivalent practical experience • No specific certifications required, though familiarity with NACHA rules or card network operating regulations is a plus • Comfortable with SQL for querying transaction data (BigQuery experience a plus) • Proficiency with spreadsheets for reconciliation and reporting • Exposure to payment processing systems, core banking platforms, or similar operational tooling

🏖️ 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