Head of Payment Operations US

The role

The Head of Payment Operations will lead the core payments function and scale existing payment infrastructure. This person will design, launch, and manage operational workflows for new payment rails and oversee the end-to-end payment lifecycle.

What you will do

• Own timely and accurate execution and settlement of all payment instructions
• Evolve the payment operations strategy for the U.S. business
• Build operational roadmaps to support new product and payment rail expansions
• Represent payments operations in executive forums
• Design controls to prevent operational risks
• Liaise with external auditors and remediate control gaps
• Own continuous multi-party reconciliation across internal ledgers and partner banks
• Build and enhance exception reporting and workflow processes
• Partner with Engineering and Data teams on data pipelines and ledger systems
• Oversee Raisin's control program and SOC audit program

Required qualifications

• 10+ years of leadership in payment operations, treasury operations, fintech, or digital banking
• Hands-on operational experience across multiple payment rails including ACH, Wires, RTP/FedNow, Card Issuing/Processing, or BaaS money movement ecosystems
• Experience or sound understanding of BaaS structures, Card BIN sponsorship, card issuer processors, and payment orchestration layers
• Deep expertise in general ledger reconciliation, multi-bank settlement environments, and operational control frameworks
• Experience with process and control designs, procedure writing, audit prep and management, including Soc audit program
• Track record of partnering with Product and Engineering to design, operationalize and launch new payment products

Nice to have

• Agile learning mindset to quickly master new payment mechanisms and regulatory standards

Benefits

• Flexible working hours
• Up to 28 days PTO accrued from the first month
• 13 public holidays
• Employee Development Budget of $2,200
• 4 full training days per year
• Company 401k contribution of 5%
• Healthcare coverage contribution, including medical, dental and vision
• Commuter benefits
• Flexible working from home policy
• Regular team events
• Yearly Summer and Winter Party

About the company

Raisin is a FinTech platform that connects consumers with savings and investment products in the EU, UK, and US. The company employs more than 800 people from over 75 countries.