Payments Analyst

Freelancer.com; Taguig; On-site; PHP 2,159,160 - 2,961,134; Full time

Job summary

Freelancer.com is looking for a dedicated professional to oversee payment operations excellence in Taguig, Philippines. You'll manage the payment lifecycle, coordinate with banking partners, and ensure compliance with regulatory standards.

This role requires strong analytical skills and a proactive approach to resolving payment issues while providing exceptional customer support. Candidates should have experience in payments, fintech, banking, or related fields.

Qualifications

• Exceptional English communication skills for clear explanations.
• Strong analytical skills with attention to detail.
• Self-starter who manages high volumes of work.

Responsibilities

• Own operational performance of the payment lifecycle.
• Provide updates to customers on their payments.
• Assist in managing relationships with payment partners.
• Support adherence to global regulatory frameworks.
• Collaborate to monitor fraud signals and reduce losses.

Skills

Exceptional English communication skills

Analytical and problem-solving skills

Customer service mindset

Ability to manage transactional work

Education

1-3 years of experience in payments or banking

1 year of accounting exposure

Tools

Knowledge of banking and payment processes

Job description

Payment Operations Excellence

• Own the operational performance of the payment lifecycle including funding (AR), disbursement (AP), settlement, reconciliation, chargebacks, returns, and exception handling
• Review and resolve high volumes of payment processing tasks quickly and accurately while ensuring operational accuracy and compliance.
• Improve transaction success rates and reduce friction in buyer and seller funding flows.
• Analyze and resolve a range of payment processing issues, from simple inquiries to complex transaction exceptions.
• Implement and recommend operational controls that scale with transaction volume while maintaining regulatory integrity.
• Assist in developing and monitoring operational SLAs and payment performance dashboards.

Customer & Transaction Support

• Contact customers as needed to provide updates on their payments while delivering excellent customer support.
• Clearly explain payment processes, transaction statuses, and resolutions to users.
• Provide timely assistance for payment-related issues including funding failures, payout delays, reconciliation questions, and transaction disputes.

Banking & Payment Partner Coordination

• Coordinate with internal teams and external banking partners to resolve payment concerns and transaction issues.
• Support the management of relationships with payment processors, payout providers, card networks, and alternative payment method providers.
• Assist in evaluating and supporting the onboarding of new payment methods to increase geographic coverage and payment success rates.
• Help ensure redundancy and reliability across payment corridors and providers.

Regulatory & Compliance Alignment

• Partner with Compliance and Legal teams to support adherence to global regulatory frameworks including AML, KYC, and transaction traceability requirements.
• Ensure payment operations follow applicable regulatory and scheme compliance standards.
• Assist with operational audits, reporting requirements, and payment partner compliance processes.

Risk, Fraud & Chargeback Support

• Collaborate with Risk teams to monitor fraud signals and reduce payment-related losses.
• Assist in managing chargeback cases and dispute resolution processes.
• Support policies that balance strong transaction approval rates with appropriate risk controls.

Payment Product & Process Improvements

• Partner with Product and Engineering teams by providing operational feedback on payment features and infrastructure.
• Contribute insights that improve funding methods, payout efficiency, and cross-border payment performance.
• Recommend improvements to enhance daily payment operations and overall user payment experience.

• Exceptional English communication skills, both written and verbal.
• Ability to explain complex payment processes clearly and concisely.
• Strong analytical and problem-solving skills with a high level of attention to detail.
• Self-starter who is process-driven and capable of managing high volumes of transactional work.
• Strong customer service mindset with the ability to support users in payment-related inquiries.
• Ability to coordinate effectively with internal teams and external banking partners across global offices.
• Must be flexible to work graveyard shifts, rotating schedules, weekends, overtime (as needed), and some holidays.
• Familiarity with banking and payment processes such as ACH, wire transfers, card payments, or checks.

Preferred Qualifications

• 1-3 years of experience in payments, fintech, banking, or regulated financial services.
• Minimum 1 year of accounting exposure with practical understanding of ledgers (Dr./Cr.).
• Experience managing or supporting full-cycle AP/AR workflows involving multi-party settlements or milestone-based payments.
• Experience working in regulated environments involving client money or safeguarded funds.
• Exposure to managing risk profiles for high-value transactions (e.g., marketplaces, real estate, escrow services).
• Experience working in escrow, marketplace platforms, or trust-based financial products.
• Experience in multi-currency or cross-border payment environments.