Payment Operations Analyst

Greenhouse Software, Inc.; Sandy (UT); Presencial; USD 70.000 - 100.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Flexible working hours

28 days PTO + 13 holidays

401k contribution

Healthcare coverage

Commuter benefits

Training budget

Descripción de la vacante

Raisin is the world’s leading platform for savings and investment products. The Payment Operations Analyst will manage day-to-day payment processing, reconciliation, and risk controls for Raisin’s U.S. platform, working with banks and internal teams to ensure timely, accurate settlements.

You will partner with Engineering, Product, Compliance and partner banks to optimize processes, drive automation, and deliver reliable payment operations while maintaining thorough documentation and governance.

Formación

• Bachelor's degree in Business, Finance, Economics, or related field.
• 2+ years in fintech/financial services operations analysis.
• Detail-oriented with strong analytical skills.
• Experience with cross-functional teams to implement improvements.
• Proficiency in data visualization and automation tools (Excel, Looker, SQL).

Responsabilidades

• Display high accountability to payment process timeliness, accuracy and reconciliation.
• Be proactive in identifying payment processing or reconciliation issues and resolve with required partners.
• Monitor payment activity to detect fraudulent or suspicious behavior.
• Analyze existing processes and develop actionable recommendations to improve efficiency.
• Collaborate with engineering, product, service, partner banks to resolve issues and implement improvements.
• Establish and monitor critical payment operations metrics.
• Identify opportunities for payment process automation with product and engineering teams.
• Conduct data analysis to provide strategic recommendations to leadership.
• Support customer service and finance teams with operational inquiries.
• Create and maintain precise documentation for processes and procedures.

Conocimientos

Data analysis

Process automation

Cross-functional collaboration

Analytical thinking

Communication

Educación

Bachelor's degree in Business, Finance, Economics

Herramientas

SQL

Looker

Excel

Descripción del empleo

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, theFinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market.

Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets frommore than one million investors which have accrued over 5 billion euros in returns.

Team

The Payment Operations team powers the accurate, timely, and secure movement of funds across the entire Raisin U.S. platform. As a multi-bank deposit marketplace supporting high-yield savings accounts, CDs, and a centralized cash account, Raisin facilitates inbound and outbound ACH transactions, reinvestments, and internal money movement across partner banks, custodial banks, and service bank relationships.

Payment Operations owns the end-to-end payment lifecycle: transaction processing, multi-entity settlement, ledger reconciliation, exception resolution, and operational risk mitigation. The team works hand-in-hand with Product, Engineering, Compliance, Custodial and Service Banks and other partners to build scalable financial infrastructure.

As Raisin expands, we are focused on designing a flexible operational architecture capable of supporting a broader multi-rail payment ecosystem.

Your Responsibilities

The Payment Operations Analyst will be responsible for the day to day execution and operational effectiveness of payments processes, payment accuracy, timeliness and reconciliation, across all of our deposit products. In this role, the analyst will work closely with the engineering and the product team to identify issues and address them on a timely basis to ensure timely and accurate payment processing, and reconciliation.

This role, given the need for accurate, timely payments and ledger accuracy expectations, requires individuals who are self driven, display great accountability for their work, and can operate with autonomy.

• Display high accountability to payment process timeliness, accuracy and reconciliation. Reconcile accounts and resolve payment-related issues promptly and accurately, ensuring timely payment processing.
• Be proactive in identifying payment processing or reconciliation issues, elevate appropriately, and take accountability to working with required operating partners to resolve the issue.
• Monitor payment processing activity diligently to identify and address any signs of fraudulent or suspicious behavior.
• Analyze existing operational processes, identify areas for enhancement, and develop actionable recommendations to optimize efficiency.
• Collaborate closely with engineering, product, service, partner banks, service bank and custodial banks to resolve payment and reconciliation issues and to implement process and productivity improvements.
• Establish, monitor and achieve critical payment operations success metrics.
• Identify opportunities for payment process automation and partner with product and engineering teams to implement automation solutions.
• Conduct data analysis to generate valuable insights and provide strategic recommendations to leadership.
• Support customer service and finance teams by addressing operational inquiries and issues effectively.
• Create, follow and maintain precise and comprehensive documentation for operational processes and procedures.

Your Profile

• Bachelor's degree in Business, Finance, Economics, or a related field.
• Strong knowledge of financial products, services, regulations, and compliance.
• 2+ years of experience in operations analysis or a similar role within the fintech or financial services industry.
• Meticulous and extremely detail oriented approach to work.
• Exceptional analytical skills to evaluate complex data and provide actionable recommendations.
• Proven experience collaborating with cross-functional teams to implement process improvements.
• Proficiency in process automation and data visualization tools such as Excel, Looker, SQL, etc.
• Excellent written and verbal communication skills.
• Ability to excel both independently and collaboratively in a dynamic, fast-paced environment.

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Flexible working hours and up to 28 days PTO accrued from your first month, plus 13 public holidays.
• Employee Development Budget of $2,200 and 4 full training days per year.
• Company 401k contribution of 5%.
• Healthcare coverage contribution, including medical, dental and vision.
• Commuter benefits and flexible working from home policy.
• Regular team events and yearly Summer and Winter Party.

We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply.

We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.