Analyst, Operations (Fintech)

TL;DR

Analyst, Operations (Fintech): Managing and monitoring daily financial transactions, settlement processes, and banking operations with an accent on ACH, RTP, and Wire transfers. Focus on proactively identifying operational risks, resolving payment discrepancies, and ensuring compliance with NACHA and Regulation E.

Location: Fort Lee, New Jersey, United States (Hybrid/Onsite)

Salary: $60,000 - $80,000

Company

Financial infrastructure provider powering payments, cards, and lending for global fintechs and enterprises.

What you will do

• Monitor, process, and settle daily banking transactions across multiple systems with high accuracy.
• Perform exception processing for incoming ACH/RTP and Wire entries to resolve discrepancies.
• Conduct reviews to proactively identify technical tasks, issues, and risks within operational workflows.
• Manage exposure limits for originating partners and escalate concerns as appropriate.
• Analyze daily reports related to returns and return rates to flag potential risks.
• Provide professional verbal and written support to ODFIs, RDFIs, and consumer inquirers.

Requirements

• Minimum 2 years of experience in ACH, RTP, and Wire operations or related banking roles.
• Familiarity with NACHA Operating Rules and file mapping requirements.
• Knowledge of Regulation E and its application to consumer rights.
• Working knowledge of traditional banking systems including card issuing, ACH, wires, and ATM operations.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Ability to assess critical incidents and communicate solutions in a fast-paced environment.

Culture & Benefits

• Collaborative culture driven by curiosity and purpose.
• Named one of American Banker’s Best Places to Work in Fintech.
• Equal Opportunity Employer focusing on qualifications, merit, and business need.