# Payment Operations Lead

**Company:** [Creditgenie](https://hotfix.jobs/companies/creditgenie)
**Location:** Philadelphia, PA, New York, NY, Plymouth Meeting, PA
**Role:** Revenue Operations
**Salary:** $150k – $250k/yr
**Experience:** 7+ years
**Skills:** Ach Payments, Card Networks, Payment Processing, Fraud Prevention, Dispute Resolution, Reconciliation Systems, Risk Management, Ledgering, Financial Operations, Payment Infrastructure
**Posted:** 2026-05-18

> Own end-to-end payment strategy, infrastructure, reconciliation, fraud, and risk management for ACH and card networks at scale. Requires 7+ years of deep payments experience and cross-functional leadership across Engineering, Risk, and Finance.

## Job Description

## Responsibilities

### Payment Strategy & Infrastructure
- Own end-to-end payment strategy across ACH, card networks, and banking partners, built to scale to millions of transactions per day
- Design and optimize a payment processing infrastructure for speed, efficiency, and reliability at high volume
- Develop and own the payments roadmap, tackling strategy and execution simultaneously in partnership with Engineering and Finance leadership

### Reconciliation & Financial Operations
- Build and maintain a reconciliation framework that is accurate, auditable, and fully explainable across internal systems and external partners
- Drive automation to reduce manual payment operations work: exception management, reconciliation workflows, and cost attribution
- Partner with Treasury and Risk on float management, settlement timing, and capital efficiency

### Fraud, Disputes & Risk
- Lead fraud prevention and dispute management strategy across ACH and card payment channels - including detection, response, and recovery
- Manage ACH risk end-to-end: unauthorized transactions, returns, network compliance, and exception handling
- Serve as the internal authority on payment network rules, edge cases, and risk exposure across all payment rails

### Cross-Functional Leadership
- Drive cross-functional execution with Engineering, Risk, Operations, and Compliance to continuously improve the payments stack
- Translate complex payment system constraints into clear strategy, roadmap priorities, and stakeholder communication
- Work directly with transaction-level data to diagnose problems, surface patterns, and make decisions

## Qualifications
- 7+ years of experience in payments, within product management, payment operations, or a combination of both
- Deep working knowledge of ACH and card networks: the rules, the edge cases, the failure modes, and how to build systems that handle them at scale
- Proven track record building or operating high-volume payment systems with millions of transactions per day, optimized for speed and cost efficiency
- Hands-on expertise in payments fraud, dispute resolution, and ACH risk management
- Strong project management skills - align and drive execution across Risk, Engineering, Compliance, and Finance simultaneously
- Comfortable working directly with transaction-level data to diagnose problems, surface patterns, and drive decisions
- Able to translate complex payment system constraints into clear strategy, roadmap priorities, and stakeholder communication

## Preferred Qualifications
- Experience in Earned Wage Access (EWA) or consumer fintech lending
- Familiarity with ledgering, reconciliation workflows, or financial close processes
- Exposure to AI or automation applied to payment operations or exception management

## Compensation & Benefits
- Base salary range: $150,000 - $250,000
- 100% company-paid medical, dental, and vision coverage
- 401(k) with 3.5% match and immediate vesting
- Up to $100/month fitness reimbursement or complimentary LifeTime Fitness/Equinox membership
- Pre-tax benefits including $1,000 HSA match
- Life and accidental insurance
- Flexible PTO
- Meal program for lunch and dinner
- Eligible for bonus and equity programs

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