Payment Operations Specialist

Payment Operations sits at the center of Capchase's business, where deal origination and approvals, funding, and customer repayments come together. The Payment Operations Specialist ensures deals are accurately deployed, funds move on time, and every transaction is properly reconciled, while helping build smarter, more scalable processes.

Responsibilities

Review, validate, and deploy approved deals, ensuring financial details, documentation, payment schedules, and approvals are accurate; Execute and monitor vendor payouts, customer collections, refunds, and other money movement activities across payment rails and currencies; Perform daily cash and payment reconciliations, investigate discrepancies, and resolve failed, returned, duplicate, or misapplied transactions; Independently manage time-sensitive priorities while meeting banking deadlines; Challenge unusual transactions, inconsistent information, or suspicious payment instructions before processing; Investigate operational issues and platform bugs, identify root causes, and drive resolution; Develop a strong understanding of the platform and the end-to-end transaction lifecycle; Identify opportunities to simplify, automate, and scale workflows; Partner with Product and Engineering to improve platform functionality and operational controls; Coordinate with Finance, Capital Markets, Risk, Collections, and Customer Operations to resolve issues; Communicate blockers, risks, and outstanding items proactively; Support operational reporting, month-end reconciliations, and cross-functional initiatives

Requirements

2+ years of experience in operations, payments, treasury, or another analytical, execution-focused role; Exceptional attention to detail and critical thinking; Strong analytical and problem-solving skills, with confidence working with large datasets; Curiosity and a systems mindset; Strong ownership and independence; Comfort with technology, including Excel/Google Sheets and new platforms; Interest in AI tools and automation; Familiarity with US payment rails, including ACH and wire transfers, or comparable payment systems; Excellent communication skills and the ability to collaborate across teams; Ability to prioritize and maintain accuracy in a fast-paced, time-sensitive environment; Fluent English, written and spoken; Availability to work US Eastern/Central business hours

Nice to have

Experience in fintech, lending, banking, or B2B payments; Familiarity with SQL, BI tools, scripting, or automation platforms; Experience improving operational processes, controls, or internal systems; Experience using AI agents or automation tools in daily workflows; Spanish fluency