PSP Operations Manager

FinTech Recruitment; United States; Remote; USD 90,000 - 120,000; Full time

Job summary

A leading FinTech company in the United States is seeking a Senior Payments Operator to lead PSP operations, focusing on settlements, payouts, and reconciliations. The role requires extensive leadership experience and a strong understanding of payment processing workflows and dispute management. Candidates must demonstrate problem-solving capabilities and a solid track record in managing payouts while adhering to strong operational controls.

Qualifications

• Must have leadership experience managing day-to-day operations.
• Proven track record of leading settlements and merchant payouts.
• Experience with dispute workflows and managing refunds.

Responsibilities

• Lead day-to-day PSP operations with strong controls.
• Manage settlements, payouts, reconciliation, and incident response.
• Demonstrate understanding of money flow from authorization to payout.

Skills

Leadership experience

Understanding of scheme concepts

Vendor escalation experience

Data fluency with Excel/Sheets

Controls mindset

Tools

SQL

Business Intelligence tools

Job description

Our client is a rapidly expanding international FinTech Payments company.

We need a senior payments operator who can lead day-to-day PSP operations with strong controls: settlements/payouts, reconciliation, disputes/refunds, incident response, and SOPs.

Must-have leadership experience (non-negotiable)

Candidate must have led (run end-to-end, accountable for outcomes) at least 2 of the 3 pillars:

• 1) Settlements & Merchant Payouts

Led payout runs, cutoffs, funding schedules, and exception handling; familiar with reserves/holds/rolling reserves.

Led dispute workflow (intake, evidence, submission, tracking, reporting); managed refund ops with controls; improved chargeback KPIs and timelines.

Note: “Led” means personally ran the process and resolved exceptions—not only reporting or supporting.

• Understanding of scheme concepts (Visa/MC disputes and monitoring thresholds)
• Vendor escalation experience (processors/acquirers) with documented outcomes
• Data fluency: Excel/Sheets at scale; exports/dashboards; SQL/BI is a plus
• Controls mindset: SOPs, checklists, access controls, incident playbooks

Successful Candidates MUST be able to explain and demonstrate the following:

• Walk through money flow from authorisation to payout — where do breaks happen?
• Describe your reconciliation workflow and top 3 recon breaks you have handled.
• Chargebacks spike 2x — what do you do in the first 24 hours?
• Processor delays funding — what actions and merchant communications do you run?
• Which KPIs do you track daily/weekly and what thresholds trigger action?