Payment Operations Analyst

Astra Finance

Payments Operations Analyst handling payments operations and banking relationships for Astra. Ensuring the smooth running of payment rails and resolving transaction issues effectively.

Posted 7/21/2026full-timeRemote • 🇺🇸 United StatesJunior💰 $70,000 - $90,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates strong analytical skills in payments operations, with the ability to reconcile financial data and manage multiple concurrent tasks effectively. Proficient in SQL for data querying and comfortable communicating with banking partners to resolve payment issues.

Highest-signal resume keywords

Payments Operations ExperienceSQL Querying SkillsAttention To DetailClient CommunicationFinancial Data Reconciliation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Payments OperationsSQLData ReconciliationException ManagementChargeback InvestigationProjection ModelingTransaction MonitoringAnomaly DetectionDispute ResolutionFinancial Analysis

Soft Skills

Attention To DetailTime ManagementCommunication SkillsAdaptabilityProblem-Solving

Tools & Technologies

SpreadsheetsPayment Processing SystemsCore Banking PlatformsBigQuery

Industry Keywords

ACHRTP/FedNowCard NetworksNACHA RulesFinancial ServicesFintechBanking Operations

Tech Stack

Tools & technologies

BigQueryRuby on RailsSQL

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

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; no prior deep expertise required
Willingness to write and own external-facing communication with banking partners — this role involves regular, direct written correspondence with bank contacts
Comfortable writing basic SQL queries, or eager to learn quickly (this role runs recurring data pulls against production data)
Strong attention to detail — this role involves reconciling financial data across systems where small discrepancies matter
Ability to manage multiple concurrent open items/threads without letting things fall through the cracks
Comfortable working in a fast-moving startup environment with evolving processes
Ability and willingness to travel up to ~15% annually
Bachelor's degree in Finance, Business, Economics, or a related field, or equivalent practical experience
No specific certifications required, though familiarity with NACHA rules or card network operating regulations is a plus
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

Benefits

Comp & perks

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