Senior PayOps Leader: Build In-House Payments & Risk

One Way Ventures; New York (NY); On-site; USD 150,000 - 210,000; Full time

Benefits offered by this job

Competitive compensation and equity

Unlimited PTO

Up to 100% employer covered monthly +/

Lunch provided

Parental leave

Tax free commuter and parking benefits

Voluntary insurances

Employee Assistance Program

Free One Medical Membership

401k

Job summary

Tabs is seeking a Senior Payments Operations Lead in New York to design and run the PayOps program as we bring payments in-house. You will own merchant risk, controls, reconciliation, and compliance as a hands-on leader reporting to the VP of Finance.

You’ll partner with Product, Engineering, Support, and commercial teams, manage relationships with processors and banks, and build scalable processes for ACH and card payments across North American B2B merchants.

Qualifications

• 7+ years of experience in payments operations or adjacent function.
• Meaningful experience at a payment facilitator, processor, acquirer, bank, platform payments business, or B2B fintech.
• Demonstrated ownership of consequential payments-risk or operating outcomes - not only participation in a broader team.
• Fluency in merchant-risk assessment and reserve mechanics, including how reserves are calculated, funded, held, adjusted, offset, reviewed, and released.
• Strong understanding of ACH returns, card disputes and chargebacks, reconciliation, fraud controls, negative balances, and payment-partner operations.
• Experience building or materially improving a payments process, control environment, or operating program.
• Ability to use concrete inputs, benchmarks, KPIs, and thresholds to make and explain decisions.
• Strong cross-functional leadership and structured communication with technical, financial, operational, and customer-facing partners.

Responsibilities

• Build and run the initial PayOps program, including policies, controls, operating cadences, runbooks, decision rights, and escalation paths.
• Design merchant-risk and reserve strategy: segmentation, acceptance criteria, reserve methodologies, ongoing monitoring, exceptions, and the mechanics for funding, holding, offsetting, adjusting, and releasing reserves.
• Own daily financial integrity and reconciliation across processor, bank, ledger, and merchant-settlement records, including tolerances, alerts, investigations, service levels, and closure.
• Run operational processes for ACH returns, card disputes and chargebacks, fraud review, negative balances, merchant holds, and incidents.
• Define KPIs and thresholds for loss exposure, reserve adequacy, return and dispute rates, reconciliation breaks, exception aging, and time to resolution.
• Partner with Product and Engineering to translate risk and operations requirements into practical product and system decisions.
• Partner with Support and commercial teams to create clear merchant communications, escalation paths, and workable service experiences.
• Own operating relationships with processors, acquirers, banks, networks, vendors, and other payment partners.
• Make pragmatic build, buy, and partner decisions; improve and scale the program as volume and complexity grow.

Skills

Payments operations

Merchant risk

Fraud controls

Cross-functional leadership

KPI development

Job description

Tabs is seeking a Senior Payments Operations Lead in New York to design and run the PayOps program as we bring payments in-house. You will own merchant risk, controls, reconciliation, and compliance as a hands-on leader reporting to the VP of Finance.

You’ll partner with Product, Engineering, Support, and commercial teams, manage relationships with processors and banks, and build scalable processes for ACH and card payments across North American B2B merchants.