Director, Payment Operations

Job not on LinkedIn

🔥 6 minutes ago

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

💵 $175k / year

⏰ Full Time

🔴 Lead

⚙️ Operations

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Array

WebsiteLinkedInAll Job Openings

51 - 200 employees

💳 Fintech

🤝 B2B

Fintech • B2B

Array is a financial innovation platform that helps digital brands, financial institutions, and fintechs get compelling consumer products to market faster. Our suite of private label offerings helps our partners drive revenue, increase engagement, and empower millions of consumers to achieve their financial goals.

📋 Description

• Own the operating model, processes and controls for reliable, compliant and scalable payment capabilities across Array’s products • Build and lead the function responsible for client payment onboarding and lifecycle management, transaction monitoring, settlement and reconciliation, disputes, payment incidents, and client and partner escalations • Partner with Product, Engineering, Finance, Legal, Compliance and Risk to define operational requirements, controls and readiness plans • Align B2B and D2C operating models, capabilities and roadmaps with the Money Operations team • Build, operate and continuously improve transaction monitoring, settlement, reconciliation, exception-management and reporting processes • Define and manage the end-to-end payment account lifecycle for B2B clients • Establish and lead responses to payment incidents and complex client escalations, including runbooks, triage, communication, resolution, root-cause analysis and corrective-action tracking • Manage operating relationships with processors, sponsor banks, gateways and acquirers • Establish scalable processes for disputes, chargebacks, returns, holds and other payment exceptions • Serve as an internal and external Subject Matter Expert • Translate regulatory and contractual requirements into operational controls, documentation, audit evidence and remediation plans • Use AI tools to think, build and ship faster

🎯 Requirements

• 5+ years of experience in payment operations, financial operations or payment infrastructure, including several years leading teams or functions • Direct experience working for a payment facilitator, embedded-payments platform or vertical SaaS company with integrated payments • Experience building or scaling payment operations in a high-growth, technology-driven environment • Strong working knowledge of ACH and card-payment flows, including authorization, capture, funding, settlement, reconciliation, refunds, chargebacks and exceptions • Experience managing payment incidents and complex client escalations, including triage, communications, root-cause analysis and corrective actions • Demonstrated ability to design operational controls, procedures, reporting and audit evidence in partnership with Legal, Compliance and Risk • Experience partnering with Product and Engineering to define operational requirements, launch new payment capabilities and automate manual processes • Strong analytical ability, including defining KPIs, identifying payment-performance issues and using data to improve reliability, risk and efficiency • Experience building teams, establishing coverage models and creating accountability in a function where responsibilities are still evolving • A belief that AI is reshaping work and instinctive use of AI to accelerate work

🏖️ Benefits

• Full medical, dental, and vision, premiums covered at 100% for full-time employees and 70% for dependents • Unlimited PTO and sick leave + 14 company holidays • 100% 401k match up to 4% with immediate vesting • Generous and competitive parental leave for all parents • $1,000 desk setup subsidy for a remote office • $100/month to subsidize wifi/cell phone expenses • Summer Fridays (half-day Fridays) typically from late May to the end of August • Commuter benefits for those who choose to go into the New York City or San Francisco office spaces • Incentive Stock Option (ISO) grant, subject to Board approval