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Salary: USD 175,000 - 0 / annual
Array is a financial innovation platform providing credit and identity monitoring tools, privacy protection, and a financial ads marketplace to digital brands, financial institutions, and fintechs. The company is expanding from gateway functionality into payment facilitation.
As Director of Payment Operations, you will own the operating model, processes, and controls required to deliver reliable, compliant, and scalable payment capabilities across Array's products. You will build and lead the function responsible for client payment onboarding and lifecycle management, transaction monitoring, settlement and reconciliation, disputes, payment incidents, and client and partner escalations.
Key responsibilities include:
- Partnering with Product, Engineering, Finance, Legal, Compliance, and Risk to define operational requirements, controls, and readiness plans for launching and scaling payment capabilities
- Aligning B2B and D2C operating models, capabilities, and roadmaps with the existing Money Operations team
- Building and continuously improving transaction monitoring, settlement, reconciliation, exception-management, and reporting processes
- Defining and managing end-to-end payment account lifecycle for B2B clients, including onboarding, activation, account changes, risk-related actions, and offboarding
- Establishing and leading response to payment incidents and complex client escalations, including runbooks, triage, communication, resolution, root-cause analysis, and corrective-action tracking
- Owning day-to-day operating relationships with processors, sponsor banks, gateways, and acquirers
- Establishing scalable processes for disputes, chargebacks, returns, holds, and other payment exceptions
- Serving as a subject matter expert internally and externally
- Translating regulatory and contractual requirements into operational controls, documentation, audit evidence, and remediation plans
- Using AI tools as a default to think, build, and ship faster
Requirements:
- 5+ years of experience in payment operations, financial operations, or payment infrastructure, including several years leading teams or functions
- Direct experience working for a payment facilitator, embedded-payments platform, or vertical SaaS company with integrated payments
- Experience building or scaling payment operations in a high-growth, technology-driven environment
- Strong working knowledge of ACH and card-payment flows, including authorization, capture, funding, settlement, reconciliation, refunds, chargebacks, and exceptions
- Experience managing payment incidents and complex client escalations, including triage, communications, root-cause analysis, and corrective actions
- Demonstrated ability to design operational controls, procedures, reporting, and audit evidence in partnership with Legal, Compliance, and Risk
- Experience partnering with Product and Engineering to define operational requirements, launch new payment capabilities, and automate manual processes
- Strong analytical ability, including defining KPIs, identifying payment-performance issues, and using data to improve reliability, risk, and efficiency
- Experience building teams, establishing coverage models, and creating accountability in a function where responsibilities are still evolving
- Belief that AI is reshaping work and instinctive use of it to accelerate everything you do
