Manage and oversee Aiwyn’s FBO model for ACH processing, ensuring accurate settlement, reconciliation, and reporting.
Partner with banking institutions to coordinate daily and monthly reporting on transactions, balances, and exceptions.
Monitor payment flows across ACH, credit card, and alternative payment methods, identifying and resolving operational discrepancies.
Ensure compliance with internal policies, payment industry regulations, and security standards.
Collaborate with technology teams to configure, maintain, and optimize payment processing systems.
Work with APIs, payment gateways, and integrations to troubleshoot issues and enhance performance.
Partner with Product and Engineering teams to support new payment feature rollouts and system enhancements.
Analyze transaction data to uncover trends, inefficiencies, and potential risks.
Develop and deliver regular reports on payment operations metrics and KPIs.
Provide data-driven insights that guide operational improvements and enhance the customer experience.
Serve as the first line of technical support for payment-related issues, resolving or escalating as needed.
Coordinate with vendors, financial institutions, and internal stakeholders to address and resolve escalated matters.
Identify and implement automation opportunities to streamline payment workflows and improve efficiency.
Develop and document operational procedures to ensure consistency, scalability, and compliance across teams.
Requirements
3 + years of experience in payment operations, fintech, or banking operations roles.
Direct experience with ACH processing, FBO models, and AML compliance preferred.
Strong understanding of ACH processing flows and FBO account structures.
Proficiency in bank reporting, reconciliation, and settlement operations.
Knowledge of AML, KYC, OFAC, PCI DSS, and NACHA compliance requirements.
Familiarity with accounting and reconciliation principles.
Accredited ACH Professional (AAP) NACHA qualification preferred.
Bachelor’s degree in Finance, Information Systems, Computer Science, or a related field.
Benefits
Adventure travel stipend - you receive a $1,000 travel reimbursement on your work anniversary each year. We encourage our team to recharge and explore the world beyond their home office walls.
Remote, work-from-anywhere culture
Flexible PTO
World Class health benefits - we believe in fostering flourishing teams by providing benefits that go beyond the usual standards - Health, vision, dental, HSA/FSA, and mental health support.
Stock options - every Full Time Employee has ownership in Aiwyn's future and success.
401(k) matching
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
ACH processingFBO modelbank reportingreconciliationsettlement operationspayment processing systemsdata analysisautomationAPI integrationpayment workflows
Soft skills
collaborationproblem-solvingcommunicationanalytical thinkingcustomer experience enhancementtechnical supportoperational improvementreportingstakeholder managementattention to detail
Certifications
Accredited ACH Professional (AAP)NACHA qualification