Payments Billing & Revenue Optimization Specialist

Capital One; Deerfield (IL); On-site; USD 67,000 - 76,000; Full time

Job summary

Capital One seeks a detail-oriented Gateway & Network Billing Specialist to manage, optimize, and reconcile our payment gateway and card network billing operations. You will track, audit, and process complex transaction fee structures from Visa, Mastercard, and gateways like Stripe, Adyen, or Authorize.net to ensure accurate revenue settlement.

You will partner with Finance, Engineering, and Product teams to identify billing leaks, reduce processing costs, and eliminate manual reconciliation

Qualifications

• High School Diploma, GED or equivalent certification.
• At least 1 year of experience with Microsoft Office or G Suite.
• At least 1 year of process management experience.

Responsibilities

• Network & Gateway Fee Auditing: Review, reconcile, and audit complex monthly invoices from payment gateways, acquiring banks, and card networks (interchange fees, assessment fees, gateway processing fees).
• Transaction Billing & Settlement: Oversee end-to-end payment gateway transaction billing, ensuring accurate fee application, payout reconciliation, and revenue assurance across all payment methods.
• Discrepancy & Dispute Resolution: Identify, investigate, and resolve billing anomalies, interchange downgrades, chargeback fees, and unexpected network penalties alongside processor account managers.
• Financial Reporting & Analytics: Build and maintain financial dashboards to track processing cost trends, cost-per-transaction metrics, and margin impacts to present actionable insights to leadership.
• Process Optimization: Continuously evaluate current payment routing and fee schedules to recommend cost-reduction strategies and eliminate manual reconciliation workflows.
• Cross-Functional Collaboration: Partner with Engineering, Product, and Finance to ensure new billing features, payment methods, or gateway integrations are configured correctly for accurate fee tracking.
• Compliance & Governance: Ensure all billing practices and data handling conform to PCI-DSS standards and relevant financial compliance regulations.

Skills

Microsoft Office / G Suite

Process management

Education

High School Diploma or equivalent

Job description

Capital One seeks a detail-oriented Gateway & Network Billing Specialist to manage, optimize, and reconcile our payment gateway and card network billing operations. You will track, audit, and process complex transaction fee structures from Visa, Mastercard, and gateways like Stripe, Adyen, or Authorize.net to ensure accurate revenue settlement.

You will partner with Finance, Engineering, and Product teams to identify billing leaks, reduce processing costs, and eliminate manual reconciliation