Card Operations Lead

This is a fully remote position, open to applicants in Brazil.

📋 Description

• Oversee the card operations team, ensuring that deadlines are achieved and the quality of delivery is maintained.

• Engage in the daily financial reconciliation process for card products (both issuers and acquirers), confirming that operations accurately reflect the accounting-financial status.

• Supervise and manage the volumes processed and settled for card transactions.

• Identify and address discrepancies in authorization files, settlement files, refunds/reversals, chargebacks, and financial settlements from card brands and acquirers.

• Conduct daily closings to review and reconcile financial balances along with suspense/transit accounts.

• Oversee the payment schedule to card brands and keep track of balances associated with the issuer card product.

• Foster operational relationships with acquirers and card brands.

• Collaborate with internal departments: Treasury, Accounting, Product, and Technology, to resolve discrepancies and promote continuous improvement.

• Assist in the monthly closing process, ensuring that all financial events are reconciled appropriately.

• Design and implement financial flows for new card operations.

• Engage in projects aimed at onboarding new card brands and integrating systems.

• Discover opportunities and spearhead process automation initiatives utilizing no-code/low-code tools and AI.

• Generate management reports and present area KPIs to management and partner teams.

• Keep track of regulatory and operational updates from card brands, evaluating their effects on reconciliation processes.

• Assist with internal and external audit requests.

• Ensure thorough documentation and mapping of the area’s processes.

⛳️ Requirements

• Bachelor’s degree (in progress or completed) in Finance, Business Administration, Accounting, Economics, or related fields.

• Prior experience in payment institutions and/or financial companies.

• Extensive experience in reconciling card brands and/or acquirers.

• Demonstrated expertise in card reconciliation.

• Understanding of card issuer flows (authorization events, settlement, chargebacks).

• Proficient in financial reconciliation routines with ERP systems.

• Strong grasp of accounting-financial flows.

• Familiarity with external card reconciliation tools.

• Knowledge of applying artificial intelligence to financial processes.

• Experience in payment institutions or companies within the payments ecosystem.

🏝️ Benefits

• Comprehensive medical and dental insurance with no cost-sharing.

• Life insurance coverage.

• Allowance for medication purchases and physical activity expenses.

• Partnership with Neon to enhance the team’s financial well-being.

• Collaboration with Zenklub for mental and physical health, offering 4 complimentary therapy or nutritionist sessions per month.

• Quick massage services available at headquarters.

• Flexible meal benefits provided through a Visa credit card.

• Complimentary meals available at headquarters.

• Childcare allowance.

• Parental support program.

• Extended maternity and paternity leave policies.

• Educational assistance covering 70% of tuition for degrees and language courses, as well as for course materials and books.

• Home office allowance.

• Provision of work equipment.

• Furniture allowance.

• Partnership with WOBA for access to coworking spaces.