Payments Operations Specialist

Why TrueML? TrueML is a mission-driven financial software company that aims to create better customer experiences for distressed borrowers. Consumers today want personal, digital-first experiences that align with their lifestyles, especially when it comes to managing finances. TrueML’s approach uses machine learning to engage each customer digitally and adjust strategies in real time in response to their interactions. The TrueML team includes inspired data scientists, financial services industry experts and customer experience fanatics building technology to serve people in a way that recognizes their unique needs and preferences as human beings and endeavoring toward ensuring nobody gets locked out of the financial system.
About the Role:
The Payment Operations Specialist is a vital function within our organization, ensuring the seamless, efficient, and secure flow of all electronic payment transactions. This role sits at the intersection of finance, technology, and compliance, serving as the daily operational expert responsible for monitoring, maintaining, and improving our payment infrastructure and processes. The criticality of this position lies in its direct impact on customer experience, revenue integrity, and regulatory adherence. Success in this role requires a deep understanding of payment lifecycles and a commitment to operational excellence and risk mitigation.

What You'll Do:

• Own the Daily Payment Lifecycle: Be the primary point of contact for the end-to-end operational execution of payment processing across all supported channels (e.g., credit/debit cards, ACH, digital wallets, wire transfers).
• Operational Monitoring and Incident Response: Proactively monitor payment system performance, identify transaction failures, reconcile discrepancies, and rapidly troubleshoot and resolve operational incidents in partnership with Engineering and Finance teams.
• Compliance and Risk Management: Execute daily operational controls, including transaction monitoring and reporting, to ensure compliance with relevant payment network rules (e.g., Visa, Mastercard) and regulatory standards (e.g., AML, KYC).
• Process Optimization and Efficiency: Identify operational bottlenecks and inefficiencies within the payment flow and drive projects to automate manual tasks, improve processing speed, and reduce overall operational costs.
• Manage Key Payment Relationships: Assist in managing relationships and operational communications with third-party payment providers, processors, acquiring banks, and payment gateways.
• Reporting and Analysis: Generate detailed operational reports on key metrics such as authorization rates, chargeback volumes, fraud trends, and settlement timing, providing actionable insights to leadership.

Who You Are:

• Experience: 2 to 7 years of professional experience specifically within the Payments Industry (e.g., FinTech, acquiring banks, payment processors, or a merchant with a high-volume payment function).
• Payments Expertise: Must possess a strong foundational understanding of payment methodologies, including authorization, clearing, and settlement for card networks, as well as an understanding of alternative payment methods (e.g., ACH/SEPA/RTP).
• Technical Acumen: Ability to leverage internal tools, run basic SQL queries (or similar data extraction methods), and analyze large datasets to identify operational trends and root causes of payment failures.

We are a dynamic group of people who are subject matter experts with a passion for change. Our teams are crafting solutions to big problems every day. If you’re looking for an opportunity to do impactful work, join TrueML and make a difference. Our Dedication to Diversity & Inclusion TrueML and TrueAccord are equal opportunity employers. We promote, value, and thrive with a diverse & inclusive team. Different perspectives contribute to better solutions and this makes us stronger every day. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
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