Head of Payment Operations

Position Overview:
We’re seeking an experienced and motivated Head of Payment Operations to lead the entire payments function, ensuring seamless execution of cross-border and domestic financial transactions. This strategic leadership role involves managing high transaction volumes across multiple jurisdictions, ensuring compliance with regulatory and operational standards, and fostering a culture of excellence and continuous improvement within the Payment Operations team.

The role will involve close collaboration with other departments, including Product Operations, Compliance, Legal, to enhance processes and support the launch of new payment products. Additionally, the Head of Payment Operations will establish and maintain robust relationships with foreign and correspondent banking partners.

Key Responsibilities:

• Oversee and expand the Payments Program to handle a wide range of domestic and international payment systems, including SWIFT, International ACH origination, SEPA, FPS, RTP , and emerging solutions like digital assets.
• Provide strategic leadership and guidance to the Payment Operations team, ensuring operational efficiency and excellence.
• Lead and manage all aspects of wire and ACH operations, including input, verification, OFAC compliance, travel rules adherence, and issue resolution for returns, repairs, recalls, and service messages.
• Develop team capabilities through training, mentorship, and performance evaluations, ensuring a high-performing workforce.
• Address internal and external inquiries related to payment processing, ensuring timely and effective resolutions.
• Direct the preparation, coordination, and processing of ACH, domestic/international, and FX wire operations.
• Oversee investigations related to domestic, international, and FX wire discrepancies, ensuring full regulatory compliance.
• Act as the primary point of communication for internal and external stakeholders regarding payment processing matters.
• Stay current with applicable laws, regulations, and industry standards, adapting policies and operations as required.
• Provide cross-functional backup support within the team when needed.

Qualifications:

• Minimum of 5 years of experience in payments operations, financial messaging, or treasury services, with a focus on cross-border payments and SWIFT connectivity.
• Experience working in fintech, small startups, or BaaS (Banking as a Service) companies.
• Deep expertise in SWIFT infrastructure, messaging standards, and security protocols.
• Comprehensive understanding of ISO messaging standards (ISO 8583, ISO 15022, ISO 20022 preferred).
• Extensive knowledge of wire transfer and ACH processing (Nacha rules), regulatory compliance, and risk management practices.
• Experience integrating digital assets into payment strategies (e.g., cryptocurrencies, stablecoins).
• Proven track record of managing large teams and achieving operational excellence in a dynamic environment.
• Strong problem-solving, organizational, and communication skills, with a commitment to superior stakeholder service.

What We Offer:

• Medical & vision insurance
• Dental insurance
• 401 (k) with employer match
• Computer setup of your choice
• Remote work from anywhere you want
• Competitive job pay