Risk Operations Specialist, Payments

Skills

About the Role

You will support the daily execution and efficiency of payment operations. You will manage and monitor payment workflows, reconcile activity, investigate transaction issues, coordinate refunds and money movement, and communicate case status to internal teams and customers. You will prepare audit and regulatory-reporting materials, maintain process documentation, provide support through email and other channels, and contribute to projects that improve payment accuracy, risk management, and operational scalability.

Requirements

• 2–4 years of experience in payment operations, financial operations, treasury operations, or a related function
• Working knowledge of ACH, wire transfers, and card payment systems
• Experience using and building with AI tools to enhance productivity, streamline workflows, or support operational decision-making
• Ability to handle complex reconciliations or operational workflows
• Organizational skills and ability to manage multiple priorities in a fast-paced environment
• Written and verbal communication skills
• Ability to coordinate across teams and document processes clearly
• Analytical and problem-solving skills focused on data accuracy and continuous improvement
• BA/BS degree or equivalent experience

Responsibilities

• Support daily payment workflows, including ACH, wire transfers, card payments, and Ramp Business Account transactions
• Monitor and reconcile payment activity
• Identify discrepancies and investigate or resolve transaction issues
• Coordinate refunds and money movement processes
• Communicate case status with internal teams and customers
• Resolve user-reported payment and linking issues with Customer Support, Risk, and Product
• Prepare data and documentation for audits and regulatory reporting
• Participate in projects that improve payment accuracy, reduce operational risk, and scale payment processes
• Identify operational inefficiencies or gaps and propose improvements
• Maintain process documentation and knowledge management
• Provide internal and external customer support through email and other communication channels

Benefits

• Flexible PTO
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend
• Medical, dental, and vision insurance coverage
• One Medical annual membership
• 401(k) with employer match
• Fertility HRA
• Paid parental leave
• Pet insurance
• In-office lunch, snacks, and drinks
• Relocation support to New York City or San Francisco
• Group medical, dental, and vision coverage through Sun Life
• Life, AD&D, and disability coverage
• Fertility drug coverage
• Group Retirement Plan with employer match
• Employee Assistance Program and virtual care through Lumino Health
• Private medical insurance through Freedom Elite
• Virtual GP and at-home care via eMed x Livi
• Workplace pension through Penfold