Payment Operations Specialist | Payment Systems Analyst

💳 We’re Hiring: Payment Operations Specialist | Payment Systems Analyst

🕒 Employment Type: Full-Time

💼 Level: Mid-Level to Senior

We are seeking a detail-oriented Payment Operations Specialist | Payment Systems Analyst to manage, monitor, analyze, and optimize payment operations and financial transaction systems. This role combines payment operations expertise with systems analysis, supporting transaction processing, reconciliation, payment investigations, system improvements, and cross-functional initiatives to ensure reliable, secure, and efficient payment services.

🎯 Key Responsibilities

• Monitor daily payment processing activities and transaction flows across payment channels.

• Manage payment operations including authorization, processing, settlement, refunds, reversals, and adjustments.

• Monitor transaction statuses and investigate failed, declined, pending, duplicated, or delayed payments.

• Perform daily reconciliation between payment platforms, banking systems, merchants, and internal records.

• Identify discrepancies and coordinate timely resolution of payment and settlement issues.

• Analyze payment transaction data to identify trends, anomalies, operational issues, and improvement opportunities.

• Prepare operational reports covering transaction volumes, success rates, failure rates, settlement activity, and exceptions.

• Work with banks, payment processors, acquiring institutions, payment gateways, and other external partners.

• Monitor the performance and availability of payment systems and related services.

• Analyze system incidents and determine potential business and operational impacts.

• Coordinate with technology teams to investigate system errors, integration issues, and transaction failures.

• Support root-cause analysis and corrective actions for recurring payment problems.

• Review payment processes and identify opportunities to improve efficiency, accuracy, and customer experience.

• Analyze business and operational requirements for new payment features and system enhancements.

• Document functional requirements, process flows, business rules, and system specifications.

• Participate in user acceptance testing and validate payment system changes before production deployment.

• Develop test scenarios covering successful payments, failed transactions, refunds, reversals, settlement, and exception cases.

• Support the implementation and integration of payment gateways, APIs, banking platforms, and transaction-processing systems.

• Monitor payment integrations and ensure transaction data is exchanged accurately between systems.

• Review payment workflows and recommend improvements to reduce manual processing and operational risk.

• Support automation initiatives for reconciliation, transaction monitoring, reporting, and exception management.

• Maintain accurate documentation for payment processes, operational procedures, system configurations, and controls.

• Assist with payment-related risk, compliance, fraud monitoring, and internal control activities.

• Monitor unusual transaction patterns and escalate potential operational or security concerns to the appropriate teams.

• Ensure payment operations follow established policies, procedures, service-level requirements, and control standards.

• Support incident management and provide timely updates to relevant stakeholders during payment disruptions.

• Coordinate with Finance, Treasury, Risk, Compliance, Customer Service, Product, and Technology teams.

• Participate in payment-system upgrades, migrations, new product launches, and digital-payment projects.

• Track operational KPIs and service-level performance and provide recommendations based on findings.

• Research emerging payment technologies, payment methods, and industry developments to support continuous improvement.

✅ Requirements

• Bachelor’s degree in Finance, Business, Accounting, Information Technology, Computer Science, Economics, or a related field.

• Previous experience in payment operations, banking operations, financial technology, payment systems, business analysis, or a related discipline.

• Strong understanding of payment processing, transaction lifecycles, settlement, reconciliation, refunds, and chargebacks.

• Experience working with payment gateways, payment processors, banking platforms, or financial transaction systems.

• Knowledge of card payments, bank transfers, digital wallets, online payments, and other electronic payment methods.

• Experience analyzing payment transactions, operational data, and system performance.

• Strong reconciliation and exception-management skills.

• Familiarity with payment APIs, system integrations, databases, and transaction-processing workflows.

• Understanding of system analysis and business requirements gathering.

• Experience preparing business requirements, functional specifications, process flows, and test cases.

• Familiarity with SQL, Excel, Power BI, Tableau, or other data-analysis and reporting tools is advantageous.

• Experience participating in UAT, system testing, implementation, or payment-platform upgrades.

• Strong problem-solving and root-cause analysis abilities.

• Excellent attention to detail and accuracy when handling financial transaction information.

• Understanding of operational risk, fraud prevention, payment security, and financial controls.

• Knowledge of relevant payment-industry standards and regulatory requirements is advantageous.

• Ability to analyze large volumes of transaction data and identify unusual patterns or discrepancies.

• Strong communication and stakeholder-management skills.

• Ability to work effectively with technical and non-technical teams.

• Strong documentation, reporting, and presentation skills.

• Ability to manage multiple operational issues and priorities under time-sensitive conditions.

• Experience working with banks, merchants, payment service providers, or financial institutions is preferred.

• Strong organizational skills and a proactive approach to issue resolution.

• Ability to maintain confidentiality and handle sensitive financial information responsibly.

• Relevant certifications in payments, banking, FinTech, business analysis, risk management, or technology are advantageous.

🌟 What We Offer

• Competitive salary and comprehensive employee benefits.

• Opportunity to work with modern payment technologies and financial systems.

• Exposure to payment processing, digital payments, banking platforms, and FinTech operations.

• Opportunities to participate in payment-system transformation and automation projects.

• Professional development in payment operations, systems analysis, and financial technology.

• Training and support for relevant technical and professional certifications.

• Collaborative environment across Finance, Technology, Product, Risk, and Operations teams.

• Opportunities to develop expertise in payment infrastructure and transaction management.

• Recognition for operational improvements and successful problem resolution.

• • Career progression toward Senior Payment Operations Specialist, Payment Systems Analyst, Payment Operations Manager, Payments Product Manager, or FinTech Operations Lead.