# Payment Operations

**Company:** [Gusto](https://hotfix.jobs/companies/gusto)
**Location:** New York, NY
**Role:** Revenue Operations
**Salary:** $83k – $99k/yr
**Experience:** 3+ years
**Skills:** Payment Operations, Ach, Nacha, Wires, Rtp, Cross-Border Transfers, Fx, SQL, Bank Portals, Payment Processors, Reconciliation Tools, AI Tools
**Posted:** 2026-06-30

> Payment Operations Analyst owning end-to-end payment workflows (ACH, exceptions, reconciliation) at a fintech. Investigate issues, partner with Engineering/Product on improvements, work with bank partners, and use AI to drive efficiency. Requires 3+ years in payments/banking ops and knowledge of payment rails.

## Job Description

## Responsibilities
- Support the payment lifecycle end-to-end: Own the operational layer of specific payment workflows — ACH processing, exception handling, refunds, collection re-debits, reconciliation. Investigate issues, escalate where needed, and see them through to resolution. Identify patterns and push to fix root causes.
- Build alongside Product and Engineering: Contribute to product specs, surface operational pain points, help define requirements, and participate in launches.
- Close the loop on customer pain: Mine customer and CX feedback to identify friction in payment flows, prioritize issues, and bring insights into operational and product decisions.
- Think in systems: Connect the dots across rails, partners, reconciliation, compliance, and customer experience. Understand how issues ripple and bring that perspective to cross-functional conversations.
- Hold partners to a high standard: Work directly with Gusto's bank and payment partners (domestic and international) to triage issues, resolve escalations, and maintain strong working relationships.
- Lead with AI: Use AI as a work partner to move faster on analysis, draft communications, synthesize data, and automate repetitive tasks. Continuously look for smarter ways to work.

## Requirements
- 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution.
- Working knowledge of domestic payment rails (ACH/Nacha, wires, RTP) and/or international money movement (cross-border transfers, FX, global disbursement networks); experience across both is a strong plus.
- Strong analytical instincts — ability to look for patterns behind problems and query or structure data to find them (SQL a plus but not required).
- Experience working with bank portals, payment processors, or reconciliation tools.
- Ability to communicate clearly with both operational and technical counterparts; write crisp Slack messages to engineers and professional escalations to bank partners.
- Comfortable working in ambiguity and taking ownership without waiting for perfect information.
- Eager to build AI into how you work — see it as a genuine productivity lever and committed to developing fluency.

## Nice-to-Haves
- Knowledge of relevant compliance frameworks (Nacha operating rules, unclaimed property, money transmission).
- Experience across both domestic and international payment rails.

## Similar roles

- [Revenue Economics Analyst](https://hotfix.jobs/jobs/bd3e6807-f57f-4967-99b9-b7b8141780bd) - Metropolis - Nashville, TN - $85k – $95k/yr
- [Accounts Receivable and Billing Operations Manager](https://hotfix.jobs/jobs/6664617f-b8fb-4d34-b5bf-a3a576cf0f1d) - Clickhouse - Remote - $85k – $180k/yr
- [Deal Operations Analyst](https://hotfix.jobs/jobs/21fe1c26-67a5-4f8b-a7ca-3daa711effbb) - Postman - San Francisco, CA - $85k – $140k/yr
- [Order Management Specialist (West Coast)](https://hotfix.jobs/jobs/22e76cf0-baa3-4262-b34e-fe34675fc95e) - Wiz - Remote - $80k – $110k/yr
- [Marketing Automation Specialist](https://hotfix.jobs/jobs/4905bb41-d0c7-413a-b1f4-ae6bb67ee71c) - Scribe - Remote - $76k – $135k/yr

**Apply:** https://hotfix.jobs/jobs/b600fe32-8bcc-4c12-a3b0-7ede3b1075fa
**Canonical:** https://hotfix.jobs/jobs/b600fe32-8bcc-4c12-a3b0-7ede3b1075fa