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Raisin is a global fintech platform connecting consumers with banks across the EU, UK, and US to provide better savings and investment rates. The company manages over 80 billion euros in assets for more than one million investors.
As Head of Payment Operations, you will lead Raisin's core payments function during a critical expansion phase. You are responsible for scaling existing payment infrastructure while designing and launching operational workflows for new payment rails. This is a hybrid leadership role requiring both strategic vision and hands-on operational expertise.
Key responsibilities include:
**Payments Strategy & Operational Leadership**: Own the execution and settlement of all payment instructions in partnership with engineering, service banks, and sub-processors. Develop and evolve the payment operations strategy for Raisin's US business, ensuring scalability, resiliency, and accuracy across all money movement flows. Build operational roadmaps supporting new product and payment rail expansions. Represent payments operations in executive forums and partner with Product, Engineering, Compliance, and external banking partners. Anticipate operational risks and design preventive controls. Maintain direct relationships with external auditors and remediate control gaps.
**Reconciliation, Ledger Integrity & Controls**: Own continuous multi-party reconciliation across Raisin internal ledgers, custodial banks, service banks, deposit-taking partners, and third-party fintech partners. Build exception reporting and workflow processes to identify and resolve discrepancies quickly. Partner with Engineering and Data teams on data pipeline accuracy and resilience. Engage with partner banks to resolve breaks and ensure regulatory compliance. Collaborate with Fraud, Risk, and Compliance teams on operational controls, transaction monitoring, and dispute management. Oversee Raisin's control program and SOC audit program.
**Multi-Rail Strategy & Product Expansion**: Own strategy, design, and operationalization of end-to-end money movement flows for new payment rails including RTP/FedNow, Wires, Direct Deposit, Bill Pay, and Debit Cards.
You bring hands-on experience across multiple payment rails and deep understanding of the Banking-as-a-Service landscape, including sponsor bank dynamics, issuer processors, and modern payment orchestration. The role is based in Sandy, Utah with a hybrid model requiring two days per week in office.
