Payment Operations Analyst

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team The Payment Operations team powers the accurate, timely, and secure movement of funds across the entire Raisin U.S. platform. As a multi-bank deposit marketplace supporting high-yield savings accounts, CDs, and a centralized cash account, Raisin facilitates inbound and outbound ACH transactions, reinvestments, and internal money movement across partner banks, custodial banks, and service bank relationships. Payment Operations owns the end-to-end payment lifecycle: transaction processing, multi-entity settlement, ledger reconciliation, exception resolution, and operational risk mitigation. The team works hand-in-hand with Product, Engineering, Compliance, Custodial and Service Banks and other partners to build scalable financial infrastructure. As Raisin expands, we are focused on designing a flexible operational architecture capable of supporting a broader multi-rail payment ecosystem. Your Responsibilities The Payment Operations Analyst will be responsible for the day to day execution and operational effectiveness of payments processes, payment accuracy, timeliness and reconciliation, across all of our deposit products. In this role, the analyst will work closely with the engineering and the product team to identify issues and address them on a timely basis to ensure timely and accurate payment processing, and reconciliation. This role, given the need for accurate, timely payments and ledger accuracy expectations, requires individuals who are self driven, display great accountability for their work, and can operate with autonomy. • Display high accountability to payment process timeliness, accuracy and reconciliation. Reconcile accounts and resolve payment-related issues promptly and accurately, ensuring timely payment processing. • Be proactive in identifying payment processing or reconciliation issues, escalate appropriately, and take accountability to working with required operating partners to resolve the issue. • Monitor payment processing activity diligently to identify and address any signs of fraudulent or suspicious behavior. • Analyze existing operational processes, identify areas for enhancement, and develop actionable recommendations to optimize efficiency. • Collaborate closely with engineering, product, service, partner banks, service bank and custodial banks to resolve payment and reconciliation issues and to implement process and productivity improvements. • Establish, monitor and achieve critical payment operations success metrics. • Identify opportunities for payment process automation and partner with product and engineering teams to implement automation solutions. • Conduct data analysis to generate valuable insights and provide strategic recommendations to leadership. • Support customer service and finance teams by addressing operational inquiries and issues effectively. • Create, follow and maintain precise and comprehensive documentation for operational processes and procedures. Your Profile • Bachelor's degree in Business, Finance, Economics, or a related field. • Strong knowledge of financial products, services, regulations, and compliance. • 2+ years of experience in operations analysis or a similar role within the fintech or financial services industry. • Meticulous and extremely detail oriented approach to work. • Exceptional analytical skills to evaluate complex data and provide actionable recommendations. • Proven experience collaborating with cross-functional teams to implement process improvements. • Proficiency in process automation and data visualization tools such as Excel, Looker, SQL, etc. • Excellent written and verbal communication skills. • Ability to excel both independently and collaboratively in a dynamic, fast-paced environment. Join our mission, join our team – and grow with us! At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities. As part of our team, you will benefit from: Raisin US • Flexible working hours and up to 28 days PTO accrued from your first month, plus 13 public holidays. • Employee Development Budget of $2,200 and 4 full training days per year. • Company 401k contribution of 5%. • Healthcare coverage contribution, including medical, dental and vision. • Commuter benefits and flexible working from home policy. • Regular team events and yearly Summer and Winter Party. Salary Range $80,000—$100,000 USD Raisin Applicant Privacy Policy We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply. We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.