Payments Operations Analyst

Responsibilities

• Monitor the health of Leap Pay and our Saa S 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 Fin Tech.
• 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 escalate threshold breaches to the Head of Fin Tech.

Requirements

• 3-5 years of experience in payments operations, payments strategy, or a related field in a Saa S 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.
• ATS Optimization Keywords

Below are skills and terms extracted directly from this job posting to improve Applicant Tracking System (ATS) visibility.

• Hard Skills
• payments operations
• payments strategy
• API documentation
• data analysis
• compliance monitoring
• risk management
• chargeback operations
• dispute operations
• vendor management
• financial analysis
• Soft Skills
• execution-oriented
• analytical skills
• collaboration
• communication
• problem-solving
• cross-functional teamwork
• stakeholder management
• adaptability
• organizational skills
• leadership

Certifications & Qualifications

• Bachelor’s degree in Business
• Bachelor’s degree in Finance
• Bachelor’s degree in Information Systems
• PCI-DSS compliance
• SOC 2 compliance
• BSA/AML compliance
• GDPR compliance
• CCPA compliance
• #J-18808-Ljbffr