Payment Operations Analyst

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Astra Finance

WebsiteLinkedInAll Job Openings

11 - 50 employees

💳 Fintech

💸 Finance

☁️ SaaS

Fintech • Finance • SaaS

Astra Finance is an all-in-one payments platform that provides an API for processing instant payments between bank accounts and cards. It is designed for product teams aiming to embed secure and fast payment solutions while minimizing the risk of fraud and failures. With features like instant disbursements, payout options, and accelerated ACH transfers, Astra Finance offers a full-stack payment processing solution, making it an ideal choice for fintech companies looking to streamline their payments infrastructure.

📋 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