Payment Operations Specialist

This is a fully remote position, open to applicants in Guatemala, +5 more countries.

📋 Description

• Review, validate, and implement approved deals, ensuring that financial details, documentation, payment schedules, and approvals are precise.

• Execute and oversee vendor payouts, customer collections, refunds, and other monetary transactions across various payment channels and currencies.

• Conduct daily cash and payment reconciliations.

• Investigate discrepancies and resolve issues related to failed, returned, duplicate, or misapplied transactions.

• Manage time-sensitive priorities while adhering to banking deadlines.

• Challenge unusual transactions, inconsistent information, or questionable payment instructions.

• Investigate operational challenges and platform bugs, identify root causes, assess impacts, and drive resolutions.

• Grasp the platform and the complete transaction lifecycle from deal origination through funding and repayment.

• Identify opportunities to simplify, automate, and scale workflows utilizing AI agents and automation technologies.

• Collaborate with Product and Engineering to enhance platform functionality, test solutions, and fortify operational controls.

• Coordinate with Finance, Capital Markets, Risk, Collections, and Customer Operations teams.

• Proactively communicate blockers, risks, and outstanding items, ensuring follow-through to resolution.

• Support operational reporting, month-end reconciliations, and cross-functional initiatives.

⛳️ Requirements

• A minimum of 2 years of experience in operations, payments, treasury, or a similar analytical, execution-oriented role.

• Exceptional attention to detail coupled with strong critical thinking abilities.

• Proficient analytical and problem-solving skills.

• Experience handling large datasets and investigating intricate issues.

• A curious mindset with a systems-oriented perspective.

• Strong sense of ownership and independence.

• Proficient with Excel/Google Sheets, new platforms, AI tools, and automation technologies.

• Familiarity with US payment systems, including ACH and wire transfers, or similar payment infrastructures.

• Excellent communication skills and ability to collaborate across teams.

• Capability to prioritize tasks and maintain accuracy in a fast-paced, time-sensitive setting.

• Fluent in English, both written and spoken.

• Availability to work during US Eastern/Central business hours.

• Spanish fluency is a plus.

• Familiarity with SQL, BI tools, scripting, or automation platforms is a plus.

• Experience in fintech, lending, banking, or B2B payments is a plus.

• No specific degree is required; analytical skills, sound judgment, and a willingness to learn are prioritized over formal qualifications.

🏝️ Benefits

• Equal opportunity employer.

• Diverse team representing over 15 nationalities.

• Opportunity to contribute to an evolving industry and work on innovative fintech products.

• Chance to utilize modern tools, including AI agents and automation solutions.

• Cross-functional exposure to Finance, Capital Markets, Risk, Product, Engineering, and Operations teams.