About the role

Director of Payment Operations scaling compliant payment infrastructure for Array’s fintech platform. Leading onboarding, monitoring, settlement, disputes, incidents and partner operations.

Responsibilities

Own the operating model, processes and controls for reliable, compliant and scalable payment capabilities across Array’s products
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
Partner with Product, Engineering, Finance, Legal, Compliance and Risk to define operational requirements, controls and readiness plans
Align B2B and D2C operating models, capabilities and roadmaps with the Money Operations team
Build, operate and continuously improve transaction monitoring, settlement, reconciliation, exception-management and reporting processes
Define and manage the end-to-end payment account lifecycle for B2B clients
Establish and lead responses to payment incidents and complex client escalations, including runbooks, triage, communication, resolution, root-cause analysis and corrective-action tracking
Manage operating relationships with processors, sponsor banks, gateways and acquirers
Establish scalable processes for disputes, chargebacks, returns, holds and other payment exceptions
Serve as an internal and external Subject Matter Expert
Translate regulatory and contractual requirements into operational controls, documentation, audit evidence and remediation plans
Use AI tools to think, build and ship faster

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
A belief that AI is reshaping work and instinctive use of AI to accelerate work

Full medical, dental, and vision, premiums covered at 100% for full-time employees and 70% for dependents
Unlimited PTO and sick leave + 14 company holidays
100% 401k match up to 4% with immediate vesting
Generous and competitive parental leave for all parents
$1,000 desk setup subsidy for a remote office
$100/month to subsidize wifi/cell phone expenses
Summer Fridays (half-day Fridays) typically from late May to the end of August
Commuter benefits for those who choose to go into the New York City or San Francisco office spaces
Incentive Stock Option (ISO) grant, subject to Board approval