# Payment Operations Analyst

**Company:** [Astra](https://hotfix.jobs/companies/astra)
**Location:** Remote
**Role:** Revenue Operations
**Salary:** $70k – $90k/yr
**Experience:** 0+ years
**Skills:** SQL, ach, rtp, fednow, visa, mastercard, BigQuery, spreadsheets, nacha, iso 8583, chargebacks, reconciliation, payments operations
**Posted:** 2026-07-21

> Monitor and resolve exceptions across ACH, RTP, FedNow and card payment rails. Reconcile settlements, run SQL queries, manage sponsor bank communications and support client escalations in a remote fintech startup.

## Job Description

## What You’ll Do
- Monitor daily transaction activity across ACH, RTP/FedNow, and card rails (AFT/OCT) for anomalies, failures, and settlement issues
- Triage and resolve payment exceptions, including ACH returns, AFT/OCT decline codes, and failed settlements
- Draft and send day-to-day operational emails to sponsor banks — following up on open items, flagging discrepancies, and pushing issues to resolution
- Maintain a running log of open items across bank partners (settlement timing, rate limit requests, network enablement, reconciliation gaps) and drive them toward closure
- Investigate and respond to chargebacks and disputes, assembling evidence and tracking cases through to resolution within card network reason codes and timelines
- Reconcile network settlement files (Visa/Mastercard/ACH) against internal records to identify and resolve discrepancies
- Run SQL queries against production transaction data to support limit increase requests, exception analysis, and ad hoc operational questions
- Build projection models (e.g., month-over-month volume growth, peak-day analysis) to support rail-specific limit increase requests with sponsor banks
- Support client-facing escalations related to payment failures, delays, or fraud disputes, translating technical rail issues into clear client communication
- Document processes and help identify opportunities to automate manual reconciliation and dispute workflows

## What We’re Looking For
**Required Experience**
- 0–2 years of experience in payments operations, banking operations, or a related fintech/financial services role
- Comfortable learning payment rails (ACH, RTP/FedNow, card networks) quickly on the job
- Willingness to write and own external-facing communication with banking partners
- Comfortable writing basic SQL queries, or eager to learn quickly
- Strong attention to detail for reconciling financial data
- Ability to manage multiple concurrent open items without letting things fall through the cracks
- Comfortable working in a fast-moving startup environment
- Ability and willingness to travel up to ~15% annually

**Education**
- Bachelor's degree in Finance, Business, Economics, or a related field, or equivalent practical experience

**Technical Skills**
- Comfortable with SQL for querying transaction data (BigQuery experience a plus)
- Proficiency with spreadsheets for reconciliation and reporting
- Exposure to payment processing systems, core banking platforms, or similar operational tooling

**Preferred Experience**
- Direct experience with sponsor bank or BaaS (Banking-as-a-Service) relationships
- Familiarity with ISO 8583 messaging, NACHA ACH rules, or card network chargeback/dispute processes
- Experience working with a bank partner on limit increases, network onboarding, or reconciliation projects
- Exposure to fraud or dispute management (e.g., Reg E, chargeback reason codes)

## What We Offer
- Competitive compensation with equity in a growing fintech company
- Remote-first culture with flexible working arrangements
- Small team, big impact — your work directly supports Astra’s ability to scale responsibly
- Professional growth opportunities in compliance and risk management
- Mission-driven — build infrastructure that powers financial innovation while meeting the highest regulatory standards

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