Note: The job is a remote job and is open to candidates in USA. Mercury is building a complete finance stack for startups, and they are seeking a Payment Operations Lead to help build and scale the operational desks that support Mercury Bank’s payment rails. The role involves leading a team to ensure efficient money movement and operational excellence across various payment methods, while collaborating with cross-functional teams to enhance workflows and processes.
Responsibilities
- Lead and develop a Payment Operations team responsible for supporting Mercury Bank’s payment rails, ensuring the team has clear priorities, strong operating standards, and the coaching needed to do excellent work
- Build and scale payment operations desks across international wires, domestic wires, RTP, ACH, and checks, including the workflows, escalation paths, controls, documentation, and quality standards needed to support reliable money movement at increasing volume
- Bring deep payments expertise to operational decision-making, helping the team navigate exceptions, investigations, returns, rejects, recalls, partner requirements, and the tradeoffs that come with moving money in a regulated environment
- Improve operational efficiency through better processes, tooling, automation, AI-enabled workflows, dashboards, and measurement systems that reduce manual effort while preserving judgment and control
- Partner closely with Product, Engineering, Compliance, Risk, Banking Partnerships, and other Operations teams to identify bottlenecks, improve workflows, and ensure payment operations are built for scale
- Define and track the metrics that matter for payment operations, including productivity, quality, SLA adherence, exception trends, control health, payment rail performance, and customer or partner impact
- Create a culture of ownership, urgency, and high quality, where the team understands not just what needs to happen, but why it matters for customers, partners, and Mercury
Skills
- 3-5+ years of experience in payments, banking operations, payment operations, business operations, or a related operational function, ideally in a financial institution, bank, fintech, or regulated technology company
- Deep working knowledge of payment rails such as international wires, domestic wires, RTP, ACH, and checks, including money movement operations, payment exceptions, operational risk, controls, and the systems that support reliable payment processing
- Experience leading, coaching, or managing an operations team, with a track record of setting clear expectations, improving performance, and building strong team operating rhythms
- Excitement to make operations more scalable through process improvement, tooling, automation, AI, documentation, dashboards, and thoughtful measurement
- Understanding of how to operate in a regulated environment, including how to balance speed, customer experience, risk, compliance, and operational quality
- Ability to communicate clearly and calmly, especially when work is complex, cross-functional, urgent, or sensitive
- High degree of ownership. You notice where the system is fragile, unclear, or too manual, and you take responsibility for making it better
- Comfortable working cross-functionally with Product, Engineering, Compliance, Risk, Banking Partnerships, and other teams to turn operational realities into better systems
Company Overview
Company H1B Sponsorship