Payment Operations Analyst

Gusto

. Own the operational layer of specific payment workflows, including ACH processing, exception handling, refunds, collection re-debits, and reconciliation .

Posted 9/18/2026full-timeNew York City • California • United StatesMid-LevelSenior💰 $82,610 - $107,393 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in payment operations, including ACH processing, exception handling, and reconciliation, while effectively communicating with both operational and technical teams. Proficient in leveraging AI for data analysis and process automation, with a strong understanding of compliance frameworks relevant to payment workflows.

Highest-signal resume keywords

Payment Operations ExperienceDomestic Payment Rails KnowledgeAnalytical SkillsAI FluencyCompliance Framework Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

ACH ProcessingException HandlingReconciliationData QueryingPayment Workflow ManagementCross-Border TransfersFX KnowledgeBank Portal ExperienceReconciliation ToolsSQL

Soft Skills

Clear CommunicationOwnershipAdaptability

Tools & Technologies

Payment ProcessorsBank PortalsAI Tools

Industry Keywords

FintechFinancial InstitutionNacha Operating RulesMoney TransmissionUnclaimed Property

Tech Stack

Tools & technologies

Ruby on RailsSQL

About the role

Key responsibilities & impact

Own the operational layer of specific payment workflows, including ACH processing, exception handling, refunds, collection re-debits, and reconciliation
Investigate payment issues, escalate when needed, drive resolution, and address root causes
Contribute to product specifications, surface operational pain points, define requirements, and participate in launches with Product and Engineering
Mine customer and CX feedback to identify friction in payment flows and prioritize improvements
Connect payment rails, partners, reconciliation, compliance, and customer experience impacts
Work directly with domestic and international bank and payment partners to triage issues and resolve escalations
Use AI to accelerate analysis, draft communications, synthesize data, and automate repetitive work

Requirements

What you’ll need

3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution
Working knowledge of domestic payment rails (ACH/Nacha, wires, RTP) and/or international money movement (cross-border transfers, FX, global disbursement networks)
Strong analytical instincts; ability to query or structure data to find patterns (SQL a plus but not required)
Experience working with bank portals, payment processors, or reconciliation tools
Ability to communicate clearly with operational and technical counterparts
Comfortable working in ambiguity and taking ownership without waiting for perfect information
Eager to build AI into how you work and develop AI fluency
Knowledge of relevant compliance frameworks (Nacha operating rules, unclaimed property, money transmission) is a strong plus
Secure, reliable, and consistent internet connection when working from a non-office location

Benefits

Comp & perks

Competitive base pay
Health insurance
401(k)
Equity (RSUs)
Hybrid work arrangement
Reasonable accommodations for qualified individuals with disabilities and disabled veterans