Financial Services Operations Analyst

Wave HQ; California; Hybrid; USD 65,000 - 97,000; Full time

Job summary

Wave HQ is seeking an experienced Operations Owner for a defined product line (Refund Transfer, Emerald Card & Spruce, Lending, or Wave) in California. You will own day-to-day execution and drive change delivery, partnering with Product Directors, Operations leaders, and Technology teams to implement new features and enhancements.

You will translate product requirements into concrete operational plans, run end-to-end product launches, and lead testing, validation, and procedure documentation to

Qualifications

• Bachelor’s degree in a related field or equivalent through work experience.
• 3+ years of banking, financial services, operations, or lending experience.
• Strong experience in financial services, fintech, or regulated operational environments.
• Solid understanding of product operations lifecycles, including implementation, change management, testing, and ongoing support.
• Proven ability to execute complex changes, manage dependencies, and work across multiple teams.
• Experience with operational testing, audit support, controls, or quality assurance.
• Strong analytical and problemsolving skills, with attention to detail and ownership mindset.
• Ability to document processes clearly and think end-to-end across systems and functions.

Responsibilities

• Serve as the primary operations owner for an assigned product line, responsible for day-to-day execution and change delivery.
• Partner with Product Directors, Operations leaders, and Technology teams to implement new products, enhancements, and operational changes.
• Translate product requirements into operational execution plans, including workflows, readiness checklists, dependencies, risks, and timelines.
• Execute and support end-to-end product launches and changes, ensuring operational readiness across systems, processes, documentation, controls, and downstream impacts.
• Lead operational testing and validation efforts for your product, including functional testing, end-to-end scenario testing, and quality checks.
• Own and maintain product-specific operating procedures, ensuring documentation is accurate, current, and consistently followed.
• Identify opportunities for automation, tooling improvements, and process efficiencies, partnering with your manager and cross-functional teams to drive execution.
• Build and execute operational monitoring and audit routines, including controls, reconciliations, exception tracking, and issue remediation.
• Act as a subject matter expert for your product’s operations, supporting issue resolution, root cause analysis, and escalations as needed.
• Provide clear updates and insights to leadership on readiness status, risks, defects, and outcomes related to product changes.

Skills

Banking/fintech experience

Analytical thinking

Cross-functional collaboration

SQL

Power BI

Regulatory/compliance awareness

Operational problem solving

Education

Bachelor’s degree or equivalent work experience

Tools

SQL

Power BI

Job description

Here’s how you will make an impact:

• Serve as the primary operations owner for an assigned product line (Refund Transfer, Emerald Card & Spruce, Lending, or Wave), responsible for daytoday execution and change delivery.

• Partner closely with Product Directors, Operations leaders, and Technology teams to implement new products, enhancements, and operational changes.

• Translate product requirements into operational execution plans, including workflows, readiness checklists, dependencies, risks, and timelines.

• Execute and support endtoend product launches and changes, ensuring operational readiness across systems, processes, documentation, controls, and downstream impacts.

• Lead operational testing and validation efforts for your product, including functional testing, endtoend scenario testing, and quality checks.

• Own and maintain productspecific operating procedures, ensuring documentation is accurate, current, and consistently followed.

• Identify opportunities for automation, tooling improvements, and process efficiencies, partnering with your manager and crossfunctional teams to drive execution.

• Build and execute operational monitoring and audit routines, including controls, reconciliations, exception tracking, and issue remediation.

• Act as a subject matter expert for your product’s operations, supporting issue resolution, rootcause analysis, and escalations as needed.

• Provide clear updates and insights to leadership on readiness status, risks, defects, and outcomes related to product changes.

You Thrive Here By Possessing the Following:

• Bachelor’s degree in a related field or the equivalent through a combination of education and related work experience.

• 3+ years of related experience in banking, financial services, operations, or lending.

• Strong experience in financial services, fintech, or regulated operational environments.

• Solid understanding of product operations lifecycles, including implementation, change management, testing, and ongoing support.

• Proven ability to execute complex changes, manage dependencies, and work across multiple teams.

• Experience with operational testing, audit support, controls, or quality assurance.

• Strong analytical and problemsolving skills, with attention to detail and ownership mindset.

• Ability to document processes clearly and think endtoend across systems and functions.

• Comfortable navigating ambiguity and balancing multiple priorities.

• Strong written and verbal communication skills, including executiveready updates.

• Proficiency using data and operational insights to identify issues and improvements.

• Direct experience supporting bankingasaservice, fintech, consumer lending, payment, or prepaid card products.

• Familiarity with regulatory and compliance considerations tied to financial products.

• Experience in working with technology or product teams on changes.

• Exposure to automation, workflow tools, or operational platforms.

• Experience supporting product launches, pilots, or major enhancements.

• Comfort operating as a dedicated product owner within an operations organization.

• Proficiency in SQL or PBI.

$64,800 - $97,200 a year

At Wave, we value diversity of perspective. Your unique experience enriches our organization. We welcome applicants from all backgrounds. Let’s talk about how you can thrive here!

Wave is committed to providing an inclusive and accessible candidate experience. If you require accommodations during the recruitment process, please let us know by emailing [e-mail]. We will work with you to meet your needs.

We use Google Gemini, a secure AI assistant, during interviews for note-taking purposes only. Notes are kept confidential and are not shared outside the hiring process. This allows our interviewers to stay fully focused on you during the conversation.

This advertised posting is a current vacancy.