Payment Operations Analyst

About Highnote 

Founded in 2020 by a team of leaders from Braintree, PayPal, and Lending Club, Highnote is an embedded finance company that sets the standard in modern card platform management. As an all-in-one card issuer processor and program management platform, we provide digital-first organizations with the flexibility to seamlessly issue and process payment cards, embed virtual and physical card payments, and integrate ledger and wallet functionalities—empowering businesses to drive growth and profitability.

We’ve raised $145M+ and have grown our team to 125+ employees. Headquartered in San Francisco, we’ve managed to build one of the most advanced payments teams in the industry, with team members in 25+ US states. 

Operating through our core values of customer obsession, executional excellence, intentional inclusion, we’re helping businesses grow for the future by creating the payment products demanded by tomorrow, with the ability to solve for use cases that don’t exist yet.

We are fast-moving, hands-on, and strongly believe everyone deserves a seat at the table. We believe we’re unlocking incredible opportunities that can change the future of payments, as long as we have the right people to make it happen. 

Job Description

We are seeking a Payments Analyst to join our team to perform and continuously improve the processes with our bank and card network partners. This role will work closely with the Payments Operation Specialist to perform role responsibilities and ensure accurate and quick completion of daily tasks. Additionally, this role will help manage all transaction and payments activity across our systems and bank accounts including reporting, reconciliation, disputes/charge and troubleshooting. The successful candidate will use their prior experience to help document the processes, metrics, and reporting required to perform this function. 

Role Responsibilities Include:

• Perform daily operations for settlement with bank and card network partners
• Maintain reporting and processes for daily, weekly and monthly reconciliation between internal systems, banking/card network partners and the general ledger 
• Maintain reporting and processes for daily, weekly and monthly reconciliation of cash balances and deposits for customer accounts 
• Help solidify processes, reporting and KPIs for disputes, chargebacks and other payments issues
• Conduct daily, weekly and monthly reconciliation activities adhering to internal procedures, policies and customer/partner commitments 
• Troubleshoot and conduct day to day research of payments activity, disputes/chargebacks and reconciliation issues 
• Support operations/product/engineering and compliance in responding to customer and bank partner inquiries and fraud response
• Collaborate across internal stakeholders  to make recommendations for system, process and product improvements
• Other tasks as needed

Qualifications:

• Positive, enthusiastic, highly organized with an excellent work ethic and a desire to be “hands-on” while also creating a best in class function
• 5+ years operations experience in a fast paced company, preferably fintech, with 2+ years of hands on experience in payment operations, payment processing or digital banking
• Very strong communication skills to develop and perform processes and reporting and to communicate issues, solutions and recommendations
• Knowledge of payments processing, technology, settlements and money flows (preferably in card issuing or card networks)
• Experience with payments related tools, systems, and data 
• Strong analytical skills that result in being an excellent problem solver with the ability to quickly get to the root of a problem, see patterns and formulate solutions
• Solid working knowledge of accounting concepts and terminology, particularly account reconciliations
• Detail oriented and tenacious to track and trace all payment transactions and outcomes 
• Excellent Excel/Google Sheets skills a must 
• Comfortable with repetitive tasks

Why Highnote?

• We’re a startup that allows for our employees to truly build from the ground up and impact every layer of our organization. 
• We’re a team of payments obsessed individuals. While some of us come from the fintech world, some of us don’t. We value the varied backgrounds and the diverse perspectives of our employees. 
• We’re small on hierarchy and big on growth. We’re a flat organization that allows everyone to have direct exposure to our leadership team. We are looking for builders who thrive in ambiguity. 
• We’re backed by Oak HC/FT, Costanoa Ventures, Adams Street Partners, Westcap, and Pinegrove Venture Partners. Angel Investors include Bill Ready (CEO at Pinterest) and Renaud Laplanche (Co-Founder & CEO of Upgrade).

Highnote benefits

• Flexible Paid Time Off 
• 100% healthcare coverage + 75% coverage for dependents
• 401k program
• Paid Parental Leave: Up to 16 weeks paid leave for the birth parent, and up to 6 weeks paid leave for the non-birth parent
• Equity in Highnote
• Stipend to build out your home office; internet and phone reimbursement
• At Highnote we have built a total rewards philosophy that includes fair, equitable, geo-based compensation that is performance and potential based. Our compensation packages are competitive based on robust market research and are a combination of a cash salary, equity, and benefits. In compliance with the Equal Pay for Equal Work Act, the annual salary range for applicants is $85,000-$125,000. 

Please note that positions located in San Francisco are hybrid and include core working days of Tuesday, Wednesday, Thursday in office.  We provide flexible work options based on distance from our downtown SF office. Highnote believes in the power of face-to-face, personal connection. As a result, we prioritize in-person candidates. 

Highnote is a diverse and inclusive company committed to growing a diverse and inclusive team. We invite people from all backgrounds and identities to apply. We do not discriminate based on gender identity or expression, sexual orientation, race, religion, age, national origin, citizenship, disability, pregnancy status, veteran status, or any other characteristics protected by US federal state or local laws, or the laws of the country or jurisdiction where you work. Additionally, we encourage everyone to share which pronouns you wish for us to use when addressing you (i.e.: she/her, he/him, they/them, etc).