Mid Level Senior Payment Operations Specialist Jobs
Mid level senior payment operations specialist jobs go to professionals ready to own end-to-end payment workflows, resolve complex exception cases independently, and guide junior analysts through daily operations. Openings are distributed across on-site, hybrid, and remote settings within Banking & Financial Services, Retail, and Insurance, with Wise, Amazon, and Lively hiring at this level now.
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About Lively
Lively set out to raise the bar on benefit solutions, because we believe no one should have to sacrifice personal wellness for financial wellness. While traditional benefits focus more on transactions and less on the humans using them, Lively harnesses user-centric design and innovative technology to deliver an effortless experience for employers and account holders alike. Our modern HSA is consistently top-rated, and we have since expanded our offerings to provide a full suite of other benefits and services for companies, consumers, and financial institutions.
Lively is a remote-first company, headquartered in San Francisco with employees across the US. Come join us and help make getting the value out of your benefits as simple as it should be.
About the Role
The Payment Operations Manager will lead and optimize the operational programs for all debit card operations, with a critical focus on fraud management, supply chain efficiency, and tooling. As the primary liaison with bank partners and card processors, this role is key to delivering an exceptional stakeholder experience, advocating for both external customers and internal operations teams. A key focus will be on implementing operational efficiencies and reducing support tickets related to debit card operations. The Payment Operations Manager will also collaborate with internal teams to identify and resolve operational challenges, analyze data to inform strategic decisions, and develop data-driven fraud prevention strategies.
Responsibilities
- Serve as the primary point of contact for all debit card operations, addressing inquiries and issues from both internal and external stakeholders across the company.
- Collaborate with the Product team on the design and implementation of debit card pilots and new payment initiatives.
- Own and manage relationships with key vendors, including card processors, card printers, BIN sponsors, and other critical service providers, to ensure the successful operation of debit card programs.
- Oversee the debit card supply chain, including collateral ordering, in conjunction with third-party vendors to guarantee timely card issuance to members.
- Act as the primary systems administrator for all card processing platforms, working closely with processor partners to troubleshoot and resolve issues across the organization, maintaining smooth operation of card programs.
- Manage and resolve cardholder disputes within the card processor system, ensuring timely and accurate resolution.
- Proactively identify and implement opportunities to streamline processes and improve the efficiency of debit card operations, reducing operational costs and improving service delivery.
- Create and maintain comprehensive internal documentation for all debit card related processes, ensuring knowledge sharing and consistency.
- Develop, implement, and manage fraud rules and strategies to minimize financial losses while maintaining a positive customer experience.
- Oversee, evaluate, and optimize tooling related to debit card operations, including fraud monitoring and reporting tools, ensuring the use of the most effective technologies.
- Monitor fraud trends, analyze data, and implement proactive measures to mitigate risks and prevent fraudulent activity.
Skills & Experience
- 5+ years relevant experience in payment operations/debit cards.
- Ability to effectively manage projects, including management methodologies, timelines, and stakeholder communication.
- Experience identifying, assessing, and mitigating risks related to payment operations, compliance, and vendor performance.
- Understanding of relevant regulations related to debit card operations and payment processing (e.g., PCI DSS, KYC/AML).
- Experience ensuring compliance alongside ability to stay up-to-date with regulatory changes.
- Understanding of Fiserv systems (Mainframe, Service Center, Web Portal, etc..).
- Ability to implement new processes and tools with rigorous change management compliance.
- Strong analytical skills with the ability to interpret complex data sets to identify fraud patterns and trends.
- Proficiency in data analysis and reporting tools (e.g., Excel, SQL, or specific fraud analysis platforms).
- Experience developing and utilizing data-driven fraud strategies.
- Ability to train other team members on new processes and systems with experience developing supporting materials.
- Experience collaborating effectively with Product, Engineering, Member Support, and Finance.
We encourage you to apply even if you do not meet all of the qualifications, but feel you would be a good fit for the position.
Benefits & Perks
We offer competitive salaries, stock options, medical, dental, vision, life and disability coverage. An HSA with employer contribution, FSA, paid parental leave, medical travel benefits, a 401k plan, flexible vacation policy, lifestyle spending accounts, and more!
At Lively, we believe having diverse teams in which everyone can be their authentic self is key to our success. We encourage people from underrepresented backgrounds to apply. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. Come join us in our mission to help people optimize their healthcare spending, maximize their savings, and better their livelihood!
Lively Inc. participates in the E-Verify program. Learn more about E-Verify here:
https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf
#LI-Remote
About Lively
Lively set out to raise the bar on benefit solutions, because we believe no one should have to sacrifice personal wellness for financial wellness. While traditional benefits focus more on transactions and less on the humans using them, Lively harnesses user-centric design and innovative technology to deliver an effortless experience for employers and account holders alike. Our modern HSA is consistently top-rated, and we have since expanded our offerings to provide a full suite of other benefits and services for companies, consumers, and financial institutions.
Lively is a remote-first company, headquartered in San Francisco with employees across the US. Come join us and help make getting the value out of your benefits as simple as it should be.
About the Role
The Payment Operations Manager will lead and optimize the operational programs for all debit card operations, with a critical focus on fraud management, supply chain efficiency, and tooling. As the primary liaison with bank partners and card processors, this role is key to delivering an exceptional stakeholder experience, advocating for both external customers and internal operations teams. A key focus will be on implementing operational efficiencies and reducing support tickets related to debit card operations. The Payment Operations Manager will also collaborate with internal teams to identify and resolve operational challenges, analyze data to inform strategic decisions, and develop data-driven fraud prevention strategies.
Responsibilities
- Serve as the primary point of contact for all debit card operations, addressing inquiries and issues from both internal and external stakeholders across the company.
- Collaborate with the Product team on the design and implementation of debit card pilots and new payment initiatives.
- Own and manage relationships with key vendors, including card processors, card printers, BIN sponsors, and other critical service providers, to ensure the successful operation of debit card programs.
- Oversee the debit card supply chain, including collateral ordering, in conjunction with third-party vendors to guarantee timely card issuance to members.
- Act as the primary systems administrator for all card processing platforms, working closely with processor partners to troubleshoot and resolve issues across the organization, maintaining smooth operation of card programs.
- Manage and resolve cardholder disputes within the card processor system, ensuring timely and accurate resolution.
- Proactively identify and implement opportunities to streamline processes and improve the efficiency of debit card operations, reducing operational costs and improving service delivery.
- Create and maintain comprehensive internal documentation for all debit card related processes, ensuring knowledge sharing and consistency.
- Develop, implement, and manage fraud rules and strategies to minimize financial losses while maintaining a positive customer experience.
- Oversee, evaluate, and optimize tooling related to debit card operations, including fraud monitoring and reporting tools, ensuring the use of the most effective technologies.
- Monitor fraud trends, analyze data, and implement proactive measures to mitigate risks and prevent fraudulent activity.
Skills & Experience
- 5+ years relevant experience in payment operations/debit cards.
- Ability to effectively manage projects, including management methodologies, timelines, and stakeholder communication.
- Experience identifying, assessing, and mitigating risks related to payment operations, compliance, and vendor performance.
- Understanding of relevant regulations related to debit card operations and payment processing (e.g., PCI DSS, KYC/AML).
- Experience ensuring compliance alongside ability to stay up-to-date with regulatory changes.
- Understanding of Fiserv systems (Mainframe, Service Center, Web Portal, etc..).
- Ability to implement new processes and tools with rigorous change management compliance.
- Strong analytical skills with the ability to interpret complex data sets to identify fraud patterns and trends.
- Proficiency in data analysis and reporting tools (e.g., Excel, SQL, or specific fraud analysis platforms).
- Experience developing and utilizing data-driven fraud strategies.
- Ability to train other team members on new processes and systems with experience developing supporting materials.
- Experience collaborating effectively with Product, Engineering, Member Support, and Finance.
We encourage you to apply even if you do not meet all of the qualifications, but feel you would be a good fit for the position.
Benefits & Perks
We offer competitive salaries, stock options, medical, dental, vision, life and disability coverage. An HSA with employer contribution, FSA, paid parental leave, medical travel benefits, a 401k plan, flexible vacation policy, lifestyle spending accounts, and more!
At Lively, we believe having diverse teams in which everyone can be their authentic self is key to our success. We encourage people from underrepresented backgrounds to apply. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. Come join us in our mission to help people optimize their healthcare spending, maximize their savings, and better their livelihood!
Lively Inc. participates in the E-Verify program. Learn more about E-Verify here:
https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf
#LI-Remote
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Find JobsMid Level Senior Payment Operations Specialist Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Retail
- Insurance
- Technology & Software
- Investment & Asset Management
Mid Level Senior Payment Operations Specialist Jobs: Frequently Asked Questions
How do I get a mid level senior payment operations specialist job?
Position your experience around ownership, not just participation. Highlight payment cycles you managed end to end, reconciliation discrepancies you resolved without escalation, and process improvements you drove. Tailor your resume to emphasize specific payment rails, systems, or compliance frameworks you have worked with directly. Employers at this level want candidates who can step in, take responsibility for a workflow, and deliver results with limited oversight.
Which companies hire mid level senior payment operations specialists?
Companies hiring mid level senior payment operations specialists right now include Wise, Amazon, and Lively, based on current listings on Migrate Mate as of July 2026. Hiring at this level tends to come from financial institutions, fintech platforms, and large enterprises managing high-volume transaction processing who need professionals capable of owning day-to-day payment operations with minimal supervision.
Are there remote mid level senior payment operations specialist jobs?
Yes, remote and hybrid options are a real part of this market. About 75% of mid level senior payment operations specialist openings are remote or hybrid as of July 2026, reflecting the fact that much of this work happens in cloud-based payment platforms and treasury systems that do not require on-site presence. On-site roles still exist, particularly at banks and regulated financial institutions.
How do I move up to a mid level senior payment operations specialist role?
The path to mid level runs through demonstrated ownership. Build depth in a specific payment domain, whether that is ACH processing, wire transfers, card settlements, or reconciliation, and take on projects where you are accountable for outcomes. Showing measurable impact, such as reducing error rates or improving processing timelines, signals readiness. Employers want to see that you have moved beyond executing tasks and can now manage a workflow from start to finish.
Which industries hire the most mid level senior payment operations specialists?
Mid Level senior payment operations specialist roles concentrate in Banking & Financial Services, Retail, and Insurance, based on current listings on Migrate Mate as of July 2026. These sectors drive hiring at this level because they process high transaction volumes, operate under strict regulatory and compliance requirements, and need experienced specialists who can manage payment exceptions, vendor relationships, and internal controls without constant supervision.