Senior Settlement Operations Analyst

Mudflap

Ensure payments ecosystem operates accurately, leading data investigations and automating workflows at Mudflap. Collaborating with cross-functional teams in a fast-growing fintech startup.

Posted 7/10/2026full-timeRemote • California, Texas • 🇺🇸 United StatesSeniorWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Lead investigations into complex settlement issues from intake through resolution, balancing financial accuracy, operational risk, and partner experience.
Research and resolve payment discrepancies, adjustments, refunds, chargebacks, reconciliation issues, and account-level inquiries.
Analyze transaction data using dashboards, spreadsheets, SQL, and internal tools to identify root causes and validate findings.
Partner cross-functionally with Finance, Product, Engineering, Support, and Account Management to resolve issues and implement long-term improvements.
Engage directly with merchants and external partners via email, Zoom, and occasional phone when needed to investigate issues and support resolution.
Identify opportunities to automate, simplify, and scale operational workflows, documentation, and internal processes.
Leverage AI tools to accelerate investigations, analyze data, improve documentation, draft communications, and increase operational efficiency.
Support reconciliation, reporting, audits, and other operational initiatives as needed.

Requirements

What you’ll need

4+ years of experience in settlement operations, payments, fintech, finance operations, merchant services, reconciliation, or a similarly analytical operations role.
Exceptional analytical and investigative skills with the ability to identify root causes, synthesize data, and make sound decisions.
Advanced proficiency with Excel or Google Sheets and experience working with dashboards and transaction-level data. SQL proficiency is strongly preferred.
Comfortable using AI as part of your daily workflow—not just for writing and communication, but to analyze data, accelerate investigations, automate repetitive tasks, summarize findings, and improve operational efficiency.
Excellent written and verbal communication skills, with the ability to explain complex issues clearly to both internal stakeholders and external partners.
Strong attention to detail, sound operational judgment, and the ability to manage multiple priorities without sacrificing quality.
A continuous improvement mindset with a track record of improving processes, reducing manual work, and driving operational excellence.
Experience with Zendesk, Metabase, or discount programs is strongly preferred.

Benefits

Comp & perks

Commuter benefits to ease your travel
Lunches and snacks to keep you fueled
A collaborative, high-growth environment where you’ll work closely with talented teammates across the company
Competitive salary and equity in a high-growth startup
Multiple health benefit options
Responsible Time Off
401(k) matching
Opportunities and support for major career growth
Annual Company offsite event (Mudfest!)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

SQLExcelData AnalysisReconciliationPaymentsFinancial AccuracyOperational Risk ManagementProcess ImprovementAutomationDashboards

Soft Skills

Excellent Communication SkillsAttention to DetailOperational JudgmentProblem-SolvingContinuous Improvement Mindset