Payment Ops Manager

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Luo is a fast-growing fintech startup building real-time cross-border payment infrastructure for West Africa. Our platform helps businesses make international payments faster and more affordably. We recently raised $4 million in seed funding from top investors, including the co-founder of Monzo and leading experts in cross-border payments. With our payment volumes growing rapidly, this role is critical to our continued success.

Role Overview:

As a Payment Operator, you will be responsible for managing the back office operations of our payment processes. You will support the front office—led by our FX trader—by ensuring that all transactions are processed, reconciled, and documented accurately. Your role also includes providing customer support and collaborating with engineering and product teams to implement operational improvements.

Key Responsibilities:

Back Office Operations

• Process and reconcile daily payment transactions.
• Ensure accurate record-keeping of all operations.
• Manage settlement processes and liaise with liquidity partners for post-trade activities.
• Monitor operational metrics and resolve issues promptly.

Customer Onboarding & Compliance

• Oversee customer onboarding for international payments, ensuring all KYC/KYB documents are collected and verified.
• Coordinate with compliance partners to validate and approve new business accounts.
• Maintain accurate records of onboarding documentation in line with regulatory requirements.

Partner Settlement Management

• Coordinate with overseas partners to ensure timely settlement and reconciliation of cross-border transactions.
• Track outstanding balances and manage payment instructions across partner networks.
• Support the treasury team in managing cash flow across partner accounts.

Support Functions

• Provide support to the front office by ensuring smooth operational workflows.
• Handle customer inquiries related to payment processing.
• Assist in preparing operational reports for internal use and external audits.

Process Improvement

• Collaborate with engineering and product teams to identify opportunities for process automation and increased efficiency.
• Propose and implement solutions to enhance overall operational workflows.
• Ensure compliance with internal procedures and relevant regulations.

Qualifications:

• Experience in back office operations, customer support, or other detail-oriented roles.
• Prior work in fintech or cross-border payments is a plus, but not required.
• Highly organized, meticulous, and rigorous in managing tasks.