Digital Payments Analyst

Ria Money Transfer; Santiago; Hybrid; CLP 87,891,000 - 117,188,000; Full time

Benefits offered by this job

Annual Salary Review

Year-End Bonus

15% Off EEFT Stock

Birthday Day Off

5 Extra Days Off

Health Insurance

Free Money Transfers with Ria

SmartFit Gym Partnership

Job summary

Ria Money Transfer is expanding its digital payments capability across the Americas, including Chile, with a focus on optimizing acceptance, authorization rates, and cost across multiple markets. The role requires in-depth knowledge of regional schemes, regulatory considerations, and vendor management.

You will partner with Product, Engineering, Legal, and Finance to drive scalable payment operations and new method rollouts.

Qualifications

• 3+ years of experience in Payments or digital payments in Latin America.
• Strong knowledge of regional payment ecosystems and schemes.
• Analytical and quantitative skills with ability to translate data into recommendations.
• Experience with cost modeling, payments costs, and vendor pricing structures.

Responsibilities

• Own performance, cost, and reliability of digital payment acceptance across the Americas.
• Monitor and optimize authorization rates and processing costs.
• Analyze payment trends and competitive landscape to inform expansion.
• Support launch and expansion of payment methods in new markets.
• Collaborate with Product and Engineering to surface optimization opportunities.
• Source and evaluate new payment vendors and partners in the region.
• Maintain relationships with local acquirers, PSPs, card networks, and alternative providers.
• Provide expertise on payment rules, tax treatment, and regulatory frameworks.
• Act as liaison between Payments and Finance, Treasury, Product, Engineering, Legal.
• Lead incident response for digital payment operations and coordinate across time zones.
• Create and maintain scalable operational processes for payment operations.

Skills

Payments

Digital payments

Data analysis

Vendor management

Regulatory awareness

Spanish

Education

BA/BS degree

Tools

Excel

SQL

Job description

Description

Ria Money Transfer, a business segment of Euronet Worldwide, Inc. (NASDAQ: EEFT), delivers innovative financial services including fast, secure, and affordable global money transfers to millions of customers along with currency exchange, mobile top-up, bill payment and check cashing services, offering a reliable omnichannel experience. With over 600,000 locations in nearly 200 countries and territories, our purpose remains to open ways for a better everyday life.

Ria Money Transfer, a business segment of Euronet Worldwide, Inc. (NASDAQ: EEFT), delivers innovative financial services including fast, secure, and affordable global money transfers to millions of customers along with currency exchange, mobile top-up, bill payment and check cashing services, offering a reliable omnichannel experience. With over 600,000 locations in nearly 200 countries and territories, our purpose remains to open ways for a better everyday life.

We believe we can create a world in which people are empowered to build the life they dream of, no matter who they are or where they are. One customer, one family, one community at a time.

About This Role

As a Digital Payments Analyst within the Payment Acceptance team, you will play a critical role in supporting and optimizing Ria's digital payment acceptance operations across the Americas (United States, Canada, Chile, Mexico) and additional Central and South American markets as part of our regional expansion. The role focuses on the full spectrum of digital payment methods in these regions, including local schemes and real-time rails such as Pix in Brazil, SPEI and CoDi in Mexico, PSE in Colombia, account-to-account transfers in Chile, Interac e-Transfer in Canada, and ACH in the United States, alongside traditional card processing and cash-based pay-in networks.

You will be responsible for the end-to-end performance of digital payment acceptance in these regions, including authorization rate optimization, cost management, vendor performance, and new payment method rollouts. The role requires a highly detail-oriented profile, deep knowledge of regional payment ecosystems, and the ability to navigate the diversity of payment infrastructures, regulatory frameworks, tax treatments, and consumer preferences that characterize the Americas. The Americas represent Ria's largest and most competitive corridors, so the role carries direct exposure to revenue-critical flows. While the focus is on digital, the role may evolve to cover additional areas as Ria's footprint grows.

Roles & Responsibilities

• Own performance, cost, and reliability of digital payment acceptance across the Americas, including cards (credit, debit, and local debit schemes such as Carnet, Elo, and Interac), real-time and account-to-account rails (SPEI, RTP, FedNow, Interac e-Transfer, Transferencias 3.0), ACH and local bank transfers, digital walletsand cash pay-in networks.
• Monitor and optimize authorization rates, processing costs, fees, and overall payment funnel performance across all digital payment methods in scope.
• Conduct in-depth analysis of payment trends, consumer behavior, and the competitive landscape in existing and prospective markets, supporting strategic decisions on payment method mix and market expansion.
• Support the launch and expansion of payment methods in new markets, including the Central and South America corridor expansion, working closely with local teams to ensure the right payment mix is in place from day one.
• Collaborate with Product Management and Engineering to surface optimization opportunities across the payments chain, prioritize integrations, and support the launch of new digital payment products.
• Source and evaluate new payment vendors and partners in the region, supporting commercial and technical assessments, contract negotiations, and onboarding.
• Maintain and develop relationships with external partners, including local acquirers, PSPs, card networks, and alternative payment method providers, driving dialogue around performance, commercials, and joint initiatives.
• Provide subject matter expertise on payment rules, local scheme requirements, tax treatment of payment flows, and regulatory frameworks across the Americas, partnering with Legal and Compliance to ensure adherence.
• Act as a liaison between Payments and other internal teams (Finance, Treasury, Product, Engineering, Legal), driving cross-functional alignment and ensuring payment operations are properly designed, implemented, and continuously improved.
• Serve as the regional point of contact for digital payment operational incidents, ensuring rapid resolution and proper post-incident analysis, including coordination with providers across multiple time zones.
• Create and maintain operational documentation and processes that allow payment operations to scale efficiently with business growth.

Position Requirements

• 3+ years of relevant experience in Payments, with hands-on exposure to digital payment methods in Latin America and ideally also the United States or Canada.
• Solid knowledge of regional payment ecosystems, including local schemes and rails such as Pix (Brazil), SPEI, CoDi, and DiMo (Mexico), account-to-account transfers (Chile), PSE (Colombia), Interac e-Transfer (Canada), and ACH, RTP, and FedNow (United States), plus the digital wallet and cash pay-in networks relevant to each market.
• Strong understanding of card processing, transaction flow, scheme rules (Visa, Mastercard, and regional schemes), and merchant account setup.
• Strong analytical and quantitative skills, with the ability to interpret data, identify trends, and translate them into actionable recommendations.
• Solid financial modeling skills, with experience supporting commercial decisions involving payment costs, interchange, FX, and vendor pricing structures.
• Solid e-commerce experience, with familiarity in digital payment flows and checkout optimization.
• Experience with fraud and chargeback management in higher-risk markets, including the trade-off between approval rates and fraud losses.
• Proven ability to troubleshoot complex problems and propose practical, scalable solutions.
• Excellent communication skills, both verbal and written, with the ability to engage with internal stakeholders and external partners across multiple regions and seniority levels.
• Full professional fluency in Spanish and English. Portuguese is a strong plus given Brazil expansion.
• Strong project management skills, with the ability to manage multiple workstreams simultaneously in a fast-paced, multi-market environment.
• Strategic thinker with high initiative, capable of operating independently and driving outcomes with minimal supervision.
• Comfort working across time zones and with culturally diverse stakeholders, including regular overlap with teams in North America and Europe.
• BA/BS degree required; MBA preferred but not essential.

Perks & Benefits

• Annual Salary Review
• Year-End Bonus
• 15% Off EEFT Stock
• Birthday Day Off
• 5 Extra Days Off
• Health Insurance
• Free Money Transfers with Ria
• SmartFit Gym Partnership

Ria Money Transfer is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Check out our website to learn more about the company at:http://www.riamoneytransfer.com/

The position responsibilities outlined above are intended to define the general contents and requirements to perform this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company’s right to assign or reassign duties and responsibilities to this job as needed.