Payments Operations Specialist

Leap; United States; On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Health insurance

401(k) with company match

Wellness resources

Job summary

Leap is seeking a Payments Operations Analyst to keep Leap Pay and our SaaS payments running safely, efficiently, and profitably. You will review reports, identify risks, spot optimization opportunities, and surface clear recommendations to the Head of FinTech.

You are analytical, execution-oriented, and tech-savvy, with the ability to read API documentation and vendor specs and to leverage AI tools for compliance and analysis. You will partner with Finance, Legal, Engineering, Product, and more.

Qualifications

• 3–5 years of experience in payments operations within SaaS/fintech.
• Clear understanding of modern payment processing ecosystems and API docs.
• Execution-oriented; able to move fast with limited information.
• Strong analytics using Excel or Google Sheets.
• Active use of AI tools for compliance and analysis.
• Familiar with PCI-DSS, SOC 2, BSA/AML, GDPR/CCPA in regulated environments.
• Proven collaboration with product/engineering teams.
• Ability to work cross-functionally with multiple departments.
• Experience in home improvement, home services, or construction tech is a plus.
• Bachelor’s degree in Business, Finance, IS or related field is required.

Responsibilities

• Monitor Leap Pay health, review reports, flag risks and anomalies with next steps.
• Support payments optimization: analyze rates, interchange, ACH economics, vendor pricing.
• Own project and risk management across payments operations; track items and priorities.
• Use AI tools to monitor compliance with card networks and data privacy rules.
• Build dashboards tracking metrics like BPS, rates, ACH impact, and compliance health.
• Maintain risk documentation, vendor scorecards, and playbooks.
• Coordinate onboarding with payment processors; review API docs and sandbox testing.
• Translate vendor payment logic for engineering and business context.
• Track state money transmitter license filings and renewals with Legal.
• Collaborate with Engineering, Product, Legal, Finance, Marketing, Sales, and CS.

Skills

Payments operations

API documentation reading

Data analysis

AI tools usage

Regulatory compliance

Cross-functional collaboration

Excel/Google Sheets

Education

Bachelor’s degree in Business/Finance/IS

Tools

AI tools

Job description

At Leap, we’re on a mission to transform the home improvement industry - and we want you to be part of that journey. We’re proud to be recognized on the Inc. 5000 and Inc. Regionals lists for 5+ consecutive years, reflecting sustained growth driven by innovation, strong execution, and an incredible team. We build technology that helps contractors work smarter, scale faster, and deliver better experiences to their customers.

When you join Leap, you’ll work alongside curious minds, bold innovators, and thoughtful risk-takers who care deeply about doing great work - and doing it together. Our culture is transparent, supportive, and grounded in approachable leadership. We actively listen to our employees through semi-annual engagement surveys, maintain a strong eNPS score, and consistently act on feedback to improve what’s working and where we can do better. We believe great work happens when people are supported outside of work, which is why we offer comprehensive benefits and wellness resources for you and your family.

Take the Leap today and help shape what’s next.

Position Overview

As Payments Operations Analyst at Leap, you are a payments expert with a get-it-done mentality. Your job is to keep Leap Pay and our SaaS payments running safely, efficiently, and profitably: reviewing reports, identifying risks, spotting optimization opportunities, and surfacing clear recommendations to the Head of FinTech.

You’re analytical, execution-oriented, and tech-savvy. You don't need to write code, but you understand how modern software systems connect - you know what an API is, you can read through technical documentation and vendor specs to understand what's actually being passed between systems, and you use AI tools to move fast. You don't wait to be told what to look at; you dig in, figure out the logic, and communicate clearly with both business stakeholders and developers.

You will partner closely with the Head of FinTech, Legal, Engineering, Product, and Finance to reduce risk, support payments optimization, and keep the Leap Pay roadmap moving.

Reporting Line

• Reports to: Head of FinTech
• Dotted line / shared reporting to: CFO / Finance function

Responsibilities

• Monitor the health of Leap Pay and our SaaS payments: review operational and payments reports regularly, flag risks and anomalies, and surface recommendations with clear next steps
• Support payments optimization efforts: analyze BPS, effective rates, interchange, ACH economics, and vendor pricing to identify trends and flag cost reduction opportunities to the Head of FinTech
• Own project and risk management across payments operations: track open items, dependencies, and priorities; keep stakeholders aligned and initiatives moving
• Use AI tools to monitor and maintain compliance with card network rules, PCI-DSS, SOC 2, BSA/AML, and GDPR/CCPA - staying current without manual overhead
• Build and maintain payments and risk dashboards tracking key metrics: BPS, effective rates, ACH cap impact, Amex pass-through, attrition sensitivity, and compliance health
• Maintain compliance documentation, risk assessments, vendor scorecards, policies, and operational playbooks
• Facilitate Technical Partners & Onboarding:Serve as the main point of contact for new payment processors and gateways. Review their API documentation to understand capabilities, verify that data structures map to Leap's business needs, and coordinate sandbox testing and certification alongside Engineering
• Bridge the Gap for Engineering:Translate vendor payment logic, error codes, and processing rules into clear operational requirements for the dev team, ensuring they have the business context needed to build efficient integrations
• Own state money transmitter license tracking: maintain accurate filing calendars, renewal requirements, and records in coordination with Legal - this is a dedicated work stream, not a side task
• Partner with Engineering, Product, Legal, Finance, Marketing, Sales, and Customer Success to identify risks, dependencies, and opportunities; coordinate resolution and mitigation
• Prepare internal reporting on payments operations and risk metrics for leadership review
• Manage chargeback and dispute operations: monitor rates, identify fraud patterns, coordinate responses, and elevate threshold breaches to the Head of FinTech

Qualifications

• 3-5 years of experience in payments operations, payments strategy, or a related field in a SaaS or fintech environment
• Technical Literacy: Clear understanding of the modern payment processing ecosystem and how systems communicate - comfortable reading API documentation and understanding how data flows between platforms, even without an engineering background
• Execution-oriented: you move fast, figure things out, and don’t wait for perfect information before making a recommendation
• Data & Tools: Strong analytical skills with advanced Excel or Google Sheets required; high comfort level learning and navigating software platforms is essential
• AI-native: you actively use AI tools in your workflow-specifically for compliance monitoring, drafting operational documentation, synthesizing regulatory updates, and accelerating analysis; you can point to concrete examples
• Familiarity with compliance frameworks (PCI-DSS, SOC 2, BSA/AML, GDPR/CCPA) and comfort operating within regulated environments
• Developer Liaison: Proven experience collaborating with product or engineering teams - comfortably reading vendor documentation to explain business logic and requirements to developers
• Low-ego collaborator comfortable working cross-functionally with Engineering, Legal, Finance, and Product
• Experience in home improvement, home services, or construction tech is a strong plus
• Bachelor’s degree in Business, Finance, Information Systems, or related field required