[Remote] Payment Operations Associate

Note: The job is a remote job and is open to candidates in USA. Synctera is a company powering the future of FinTech by providing a Banking as a Service platform. The Payment Operations Associate will ensure smooth payment operations by managing reconciliations, analyzing payment data, and collaborating with various teams to resolve discrepancies.

Responsibilities

• Support day-to-day payment reconciliations across Synctera’s platform, partner banks, and fintech customers, helping ensure balances are accurate across multiple US and Canadian payment rails
• Monitor payment flows and queues – review dashboards, alerts, and worklists to help make sure payments are processed correctly and on time, escalating when you see potential risk or customer impact
• Investigate breaks and exceptions – trace end-to-end transaction journeys with guidance, analyze payment data, identify likely root causes (data, system, or process), and clearly summarize what happened and how it was resolved
• Follow and strengthen operational controls – execute reconciliation and approval workflows accurately, and flag any gaps or risks you notice to the team
• Surface patterns and opportunities for automation – highlight recurring issues, manual work, and edge cases you see in daily operations, and partner with teammates, Product, and Engineering on ideas to improve tools and processes
• Maintain and improve runbooks and documentation – help keep procedures, checklists, and reconciliation guides current as systems and products evolve, so the team can scale what you help build
• Collaborate across teams and partners – work with internal teams (Product, Engineering, Compliance, Support) and external partners (banks, fintech customers) to resolve payment questions and keep flows running smoothly, looping in more senior teammates when needed

Skills

• Understanding of finance, accounting, or payments, ideally within the US and/or Canadian markets
• 1 to 3 years of experience in payment operations, reconciliation, payment processing, or a similar role
• Familiarity with at least one common North American payment rail (for example, ACH, wires, card networks, EFT, Interac) and related payment systems or tools
• Strong skills in analyzing and interpreting transaction data and spotting discrepancies
• Detail-oriented with high accuracy in data entry and documentation
• Comfortable using spreadsheets
• Good problem-solving skills and ability to stay effective under time pressure
• Strong communicator who works well with others, including internal teams and external partners
• Able to manage time, prioritize across multiple workflows, and adapt as priorities or tasks change
• Familiarity with basic SQL is a plus
• Experience with implementing AI agent-based systems to streamline processes would be a plus

Benefits

• 100% employer paid medical, dental, and vision benefits for US and Canadian employees and dependents
• Employer contribution to HSA for US employees
• Annual HCSA and generous extended health care coverage for Canadian employees and dependents
• 401(k) for US employees and RRSP for Canadian employees
• Mental health resources available for all employees
• Unlimited paid time off
• Generous paid new parent leave program
• Home office setup stipend
• Stock options program for all employees
• Growth potential and opportunity to have a significant impact at an early stage of our company's journey
• Working alongside a skilled and passionate team

Company Overview