Head of Payment Operations & Multi-Rail Strategy

Raisin; Sandy (UT); Hybrid; USD 180,000 - 240,000; Full time

Benefits offered by this job

PTO 28 days

13 public holidays

401k contribution 5%

Development budget $2,200

Healthcare coverage

Job summary

Raisin US is seeking a Head of Payment Operations to lead our core payments function through an expansion phase, scaling infrastructure and launching new rails. You will be a hybrid leader, combining strategic partnership with hands-on oversight of ledger entries, settlement breaks, dispute workflows, and network rules across ACH, Wires, RTP/FedNow, card issuing, and BaaS.

As the senior-most payments operator, you will shape the operational strategy, partner with Product and Engineering, and

Qualifications

• 10+ years of leadership in payment operations, treasury operations, fintech, or digital banking.
• Hands-on operational experience across multiple payment rails (ACH, Wires, RTP/FedNow) and card issuing/processing or BaaS.
• Deep expertise in general ledger reconciliation, multi-bank settlement, and control frameworks.
• Experience with audit prep/management, including SOC programs.
• Proven ability to partner with Product and Engineering to design and launch new payment products.

Responsibilities

• Own timely and accurate execution and settlement of all payment instructions with Raisin engineering and banking partners.
• Evolve payment operations strategy for U.S. business to ensure scalability, resiliency, and accuracy across money movement flows.
• Build roadmaps to support new product/rail expansions and increased complexity.
• Represent payments operations in executive forums and collaborate with Product, Engineering, Compliance, and external banks.
• Design controls to prevent issues and monitor operational risks; liaise with auditors and regulators.
• Own end-to-end money movement flows for new rails (RTP/FedNow, Wires, Direct Deposit, Bill Pay, Card funding).
• Define SLAs and audit readiness with partner banks and regulators.

Skills

Leadership

Multiple rails

BaaS knowledge

Ledger reconciliation

Audit & controls

Product & Eng collaboration

Strategic thinking

Strong communication

Job description

Raisin US is seeking a Head of Payment Operations to lead our core payments function through an expansion phase, scaling infrastructure and launching new rails. You will be a hybrid leader, combining strategic partnership with hands-on oversight of ledger entries, settlement breaks, dispute workflows, and network rules across ACH, Wires, RTP/FedNow, card issuing, and BaaS.

As the senior-most payments operator, you will shape the operational strategy, partner with Product and Engineering, and