Payments Operations Analyst

Tabs; New York, Northern (NY, KY); Hybrid; USD 110,000 - 150,000; Full time

Benefits offered by this job

Competitive compensation and equity

Unlimited PTO

Up to 100% employer covered monthly  <

Lunch provided via Sharebite, plus d</

Parental leave up to 12 weeks

Tax free commuter and parking benefits

Voluntary insurances (Life, Hospital,

Employee Assistance Program (Rightway)

Free One Medical Membership

401k

Job summary

Tabs is the AI Operating System for Revenue, helping modern finance teams automate and control revenue workflows. The Payments Operations Manager will own day‑to‑day PayOps activities, ensure accurate merchant operations, and support scaling as Tabs Pay launches.

You will handle reconciliations, disputes, ACH returns, and exceptions while collaborating with Finance, Engineering, Support, and commercial teams to implement improvements.

Qualifications

• 3–5 years of experience in payments operations, reconciliation, disputes, or adjacent functions.
• Experience executing payments workflows (reconciliation, disputes, ACH returns, merchant management).
• Strong track record of accurate, detail‑oriented work in high‑stakes operational environments.

Responsibilities

• Process merchant exceptions, holds, reserves, and activations per policy.
• Conduct daily/periodic reconciliation across processor, bank, ledger, and merchant records.
• Manage dispute and chargeback workflows: collect evidence, track deadlines, and follow up on outcomes.

Skills

Payments operations

Dispute management

Reconciliation

Attention to detail

Cross-functional collaboration

Job description

Tabs is the AI Operating System for Revenue, built for modern finance and accounting teams. It combines deep revenue and accounting expertise with the agents and applications needed to run revenue work end to end. Tabs understands customer and contract context, applies accounting logic, and executes critical workflows with built in controls, auditability, and human oversight. With Tabs, finance teams can move from manually managing revenue workflows to directing outcomes while the system executes the work.

About the Role

We're hiring a Payments Operations Manager to execute day-to-day operations and support the scaling of Tabs' payments program as we bring payments in-house. You will work directly with our Senior Payments Operations Lead, helping to manage merchant operations, disputes, reconciliation, and exceptions as Tabs Pay launches and grows.

You’ll be hands‑on and detail‑oriented, executing defined workflows and improving them incrementally. This role is ideal for someone who takes pride in making processes work reliably, escalating issues appropriately, and identifying practical bottlenecks. You’ll be the first responder on operational issues and own a meaningful portion of our day‑to‑day PayOps work.

Tabs Pay serves large North American B2B merchants across an ACH‑first payment mix with a growing card share. Operational accuracy and attention to detail directly protect merchant relationships and Tabs' financial integrity.

What You’ll Do

• Process merchant exceptions, holds, reserve adjustments, and merchant activation according to defined policies and documented procedures.

• Execute daily and periodic reconciliation across processor, bank, ledger, and merchant‑settlement records; identify and elevate breaks for investigation or resolution.

• Manage the dispute and chargeback workflow: collect merchant evidence, track deadlines, ensure timely submissions, and follow up on outcomes.

• Process ACH returns and negative‑balance events according to documented timelines and procedures.

• Investigate and resolve merchant‑reported operational issues and discrepancies within your authority; elevate appropriately.

• Monitor ongoing merchant activity against policy thresholds; flag merchants requiring review or adjustment.

• Keep process runbooks, decision trees, checklists, and operational logs current and usable by the team.

• Identify operational inefficiencies and bottlenecks; document observations and bring improvement recommendations to leadership.

• Track operational KPIs and metrics; prepare regular reporting on PayOps status and performance.

• Support cross‑functional work with Finance, Engineering, Support, and commercial teams to implement operational changes and new tooling.

What We’re Looking For

• 3–5 years of experience in payments operations, reconciliation, dispute management, merchant operations, or an adjacent operational function.

• Demonstrated execution of payments workflows (reconciliation, dispute processing, ACH returns, merchant management, exception handling) at a payment facilitator, processor, platform, or fintech.

• Strong track record of accurate, detail‑oriented work in high‑stakes operational environments where errors cascade downstream.

• Ability to follow defined processes consistently and identify practical improvements without constant oversight.

• Clear judgment about which issues require escalation and which can be resolved independently; structured communication about decisions and outcomes.

• Comfort prioritizing among competing operational tasks and managing your own queue of work.

• Effective collaboration with support, finance, product, and operational partners to understand requirements and implement changes.

• Comfort with defined processes and strong operational discipline; appreciation for documentation and systematic approach to work.

• Familiarity with card payment operations (chargebacks, disputes, settlement mechanics) OR strong ACH expertise with willingness to learn card operations; we’re flexible on depth depending on your payment rails background.

• Comfort learning and adopting new tools, including automation and AI‑enabled operational tools, to improve accuracy and efficiency.

Helpful Experience

• B2B payments, billing, or invoicing platforms.

• Merchant underwriting, reserve monitoring, or risk‑related support workflows.

• ACH or card payment operations, including return and chargeback handling.

• Finance operations, customer success operations, or customer support with payments exposure.

• Experience working with payment processors, acquirers, or banking partners.

• Familiarity with reconciliation tooling, payment APIs, or transaction data management.

• Cross‑border payments, multi‑currency flows, or international money movement.

• Experience with automation tools or AI‑enabled operational workflows.

Additional Information

5 days/week in‑office for tri‑state candidates; remote available for those outside the region.

Perks and Benefits (Full-time Employees)

• Competitive compensation and equity

• Unlimited PTO

• Up to 100% employer covered monthly healthcare premium (medical, dental, vision)

• Lunch provided via Sharebite, plus dinner for any later in office days.

• Parental leave up to 12 weeks

• Tax free commuter and parking benefits

• Voluntary insurances (Life, Hospital, Critical Illness, Accident)

• Employee Assistance Program (Rightway)

• Free One Medical Membership

• 401k

Tabs is an equal opportunity employer. We welcome teammates of all identities and do not discriminate on the basis of race, ethnicity, religion, gender identity, sexual orientation, age, disability, veteran status, or any other protected characteristic. We’re committed to creating an environment where everyone can grow, contribute, and feel comfortable being themselves.