Payment Operations Engineer

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

📋 Description

• Act as the technical liaison for clients experiencing payment issues

• Address technical API inquiries from live customers, including issues with failed webhooks, error codes, and unexpected payment statuses

• Trace transactions through the API, internal systems, ledgers, partner banks, payment infrastructures, and blockchains

• Differentiate between expected behavior and actual bugs, escalating verified bugs to engineering with clear documentation

• Collaborate with partner banks and providers on investigations, returns, and recalls

• Assist with compliance-related information requests regarding specific payments

• Identify root causes of issues to facilitate long-term solutions

• Evaluate new payment infrastructures and corridors from an operational standpoint prior to launch

• Create SQL queries and scripts to automate repetitive tasks

• Acquire comprehensive knowledge of payment flows across fiat currencies and stablecoins

• Resolve the majority of customer payment issues independently within three months

• Manage customer payment investigations during work hours and keep clients updated until resolution

• Develop runbooks for recurring issues

• Create at least one tool or automation that significantly decreases manual tasks

⛳️ Requirements

• Over 3 years of experience in a technical, customer-facing position within a fintech, payments company, bank, or API-first organization, including roles in technical support, payment operations, or implementation

• Strong understanding of payment statuses, settlements, cutoffs, finality, returns, and recalls

• Proficiency in reading JSON API requests, logs, and webhooks

• Working knowledge of SQL and some scripting experience in Python or similar languages

• Practical experience utilizing AI tools in daily tasks for scripting, investigation, or documentation, with the ability to evaluate their outputs

• Systematic approach to investigations, formulating and validating hypotheses

• Clear and calm communication skills with customers

• Ability to operate with a high degree of autonomy and navigate ambiguity in a fast-paced remote startup environment

• Proficient English skills are required

• Must be authorized to work in the country of residence

• Visa sponsorship is not available

• Background checks may include criminal history, employment and educational verification, and sanctions screening

• Preferred qualifications: experience with Fedwire, ACH, SPEI, SEPA, or CNAPS; experience across multiple regions; familiarity with ISO 20022 payment messages; experience with stablecoins, crypto wallets, or block explorers; experience with partner or sponsor banks; familiarity with double-entry accounting and reconciliation

🏝️ Benefits

• Benefits may include health coverage

• Paid time off and holidays

• Home office or equipment allowance

• Professional development budget

• In-person team offsites

• Candidates residing outside the US may be employed through an employer of record or engaged as contractors, with compensation and benefits structured according to local laws and market practices

• Reasonable accommodations will be provided during the hiring process