Senior Payment Operations Specialist Jobs in USA with Visa Sponsorship
Senior Payment Operations Specialists are strong H-1B and O-1 visa candidates. The role qualifies as a specialty occupation requiring a bachelor's degree in finance, business, or a related field, and employers in fintech and banking regularly sponsor. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsAbout Rippling
Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. For the first time ever, you can manage and automate every part of the employee lifecycle in a single system. Take onboarding, for example. With Rippling, you can hire a new employee anywhere in the world and set up their payroll, corporate card, computer, benefits, and even third-party apps like Slack and Microsoft 365—all within 90 seconds. Based in San Francisco, CA, Rippling has raised $1.4B+ from the world’s top investors—including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock—and was named one of America's best startup employers by Forbes. We prioritize candidate safety. Please be aware that all official communication will only be sent from @Rippling.com addresses.
About The Role
Rippling is looking to hire a Servicing Collections Associate to manage and collect on delinquent customer accounts across our diverse portfolio of financial products. You will play a critical role in minimizing the company's financial risk while maintaining productive relationships with our customers. You will interact with various internal teams and stakeholders and will have a key role in building our collections processes from the ground up. The ideal candidate will have experience in B2B collections, a desire to build processes from scratch, and a proven track record of resolving complex cases with efficiency.
What You Will Do
- Adhere to all Servicing Standard Operating Procedures (SOPs) and company policies, ensuring timely completion of tasks for your portfolio of delinquent customers, while complying with relevant industry regulations and best practices.
- Collect on a portfolio of delinquent customers, initiating contact with customers through various channels to secure payment.
- Investigate delinquencies by collaborating with internal teams like Engineering, Risk, Account Management, and Sales.
- Negotiate payment arrangements for outstanding balances in a timely and professional manner.
- Be a “brand” ambassador for collections internally and externally. Internal teams will see you as a subject matter expert and look to you for insight. Customers will look to you during the collections lifecycle for guidance.
- Actively participate in, and contribute to, evolving collection strategies and internal processes to improve recovery rates and streamline work streams.
- Partner with Customer Experience, Sales, and Risk teams to manage customer delinquency and facilitate repayment.
What you will need
- Minimum 2+ years of experience in a customer facing operations role, payment operations, B2B collections, accounts receivable, or a similar financial servicing and/or payment operations role.
- Demonstrated ability to negotiate effectively and handle difficult conversations with professionalism and empathy.
- Excellent communication and interpersonal skills, with the ability to build rapport with both customers and internal partners.
- A strong self-starter mentality with strong organizational skills and the ability to manage a high volume of accounts independently with limited oversight.
- A passion for problem-solving and improving processes in a fast-paced, entrepreneurial work environment.
- A demonstrated capacity for in-depth investigations and problem-solving, particularly with ambiguous starting points.
- Ability to create rudimentary SQL queries to find answers to questions management or customer may raise.
- Resilient, attentive to detail, and intellectually curious.
- Experience with CRM software (like Salesforce), queue management, SQL, and billing systems is a strong plus.
Additional Information
Rippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics. Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation, please email accomodations@rippling.com.
Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role. This role will receive a competitive salary + benefits + equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here. A variety of factors are considered when determining someone’s compensation–including a candidate’s professional background, experience, and location. Final offer amounts may vary from the amounts listed below.
The pay range for this role is:
- 23 - 40 USD per hour (US Tier 2)
- 22 - 38 USD per hour (US Tier 3)
- 26 - 45 USD per hour (US San Francisco Bay Area)
- 26 - 45 USD per hour (US Tier 1)
About Rippling
Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. For the first time ever, you can manage and automate every part of the employee lifecycle in a single system. Take onboarding, for example. With Rippling, you can hire a new employee anywhere in the world and set up their payroll, corporate card, computer, benefits, and even third-party apps like Slack and Microsoft 365—all within 90 seconds. Based in San Francisco, CA, Rippling has raised $1.4B+ from the world’s top investors—including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock—and was named one of America's best startup employers by Forbes. We prioritize candidate safety. Please be aware that all official communication will only be sent from @Rippling.com addresses.
About The Role
Rippling is looking to hire a Servicing Collections Associate to manage and collect on delinquent customer accounts across our diverse portfolio of financial products. You will play a critical role in minimizing the company's financial risk while maintaining productive relationships with our customers. You will interact with various internal teams and stakeholders and will have a key role in building our collections processes from the ground up. The ideal candidate will have experience in B2B collections, a desire to build processes from scratch, and a proven track record of resolving complex cases with efficiency.
What You Will Do
- Adhere to all Servicing Standard Operating Procedures (SOPs) and company policies, ensuring timely completion of tasks for your portfolio of delinquent customers, while complying with relevant industry regulations and best practices.
- Collect on a portfolio of delinquent customers, initiating contact with customers through various channels to secure payment.
- Investigate delinquencies by collaborating with internal teams like Engineering, Risk, Account Management, and Sales.
- Negotiate payment arrangements for outstanding balances in a timely and professional manner.
- Be a “brand” ambassador for collections internally and externally. Internal teams will see you as a subject matter expert and look to you for insight. Customers will look to you during the collections lifecycle for guidance.
- Actively participate in, and contribute to, evolving collection strategies and internal processes to improve recovery rates and streamline work streams.
- Partner with Customer Experience, Sales, and Risk teams to manage customer delinquency and facilitate repayment.
What you will need
- Minimum 2+ years of experience in a customer facing operations role, payment operations, B2B collections, accounts receivable, or a similar financial servicing and/or payment operations role.
- Demonstrated ability to negotiate effectively and handle difficult conversations with professionalism and empathy.
- Excellent communication and interpersonal skills, with the ability to build rapport with both customers and internal partners.
- A strong self-starter mentality with strong organizational skills and the ability to manage a high volume of accounts independently with limited oversight.
- A passion for problem-solving and improving processes in a fast-paced, entrepreneurial work environment.
- A demonstrated capacity for in-depth investigations and problem-solving, particularly with ambiguous starting points.
- Ability to create rudimentary SQL queries to find answers to questions management or customer may raise.
- Resilient, attentive to detail, and intellectually curious.
- Experience with CRM software (like Salesforce), queue management, SQL, and billing systems is a strong plus.
Additional Information
Rippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics. Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation, please email accomodations@rippling.com.
Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role. This role will receive a competitive salary + benefits + equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here. A variety of factors are considered when determining someone’s compensation–including a candidate’s professional background, experience, and location. Final offer amounts may vary from the amounts listed below.
The pay range for this role is:
- 23 - 40 USD per hour (US Tier 2)
- 22 - 38 USD per hour (US Tier 3)
- 26 - 45 USD per hour (US San Francisco Bay Area)
- 26 - 45 USD per hour (US Tier 1)
How to Get Visa Sponsorship as a Senior Payment Operations Specialist
Target fintech companies and large banks
Fintech firms and major banks file H-1B petitions at high volumes and have established immigration programs. These employers are far more likely to sponsor than regional credit unions or payment startups with no prior sponsorship history.
Frame your degree as field-specific
H-1B approval for this role depends on demonstrating your degree directly relates to payment operations. Finance, accounting, business administration, and information systems degrees are the strongest fits. A general business degree alone may require additional documentation.
Highlight specialized payment systems experience
USCIS approves specialty occupation petitions more readily when the role requires specialized knowledge. Certifications or hands-on experience with platforms like Visa, Mastercard settlement systems, or ISO 20022 messaging strengthens the specialty occupation argument considerably.
Ask about sponsorship before the final interview round
Raise the sponsorship question after an initial screening but before a final interview. Waiting until an offer is extended wastes time if the employer has a blanket no-sponsorship policy. A brief, direct question early on saves everyone time.
Consider the O-1A if you have a strong track record
Senior professionals with recognized accomplishments, published work, or significant contributions to payment systems may qualify for an O-1A visa. This path bypasses the H-1B lottery entirely and can be an effective alternative for experienced candidates.
Use Migrate Mate to filter for sponsoring employers
Not every job listing advertises visa sponsorship, but employer filing history is traceable. Migrate Mate surfaces payment operations roles at companies with active sponsorship track records, saving you from applying to employers who will decline.
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Get Access To All JobsFrequently Asked Questions
Does a Senior Payment Operations Specialist role qualify for H-1B sponsorship?
Yes, the role qualifies as a specialty occupation when the position requires a bachelor's degree or higher in a specific field such as finance, accounting, or information systems. USCIS will assess the job description, not just the title, so your employer's offer letter and LCA must specify the degree requirement clearly. Roles with vague educational requirements or where any bachelor's degree suffices may face a higher scrutiny during adjudication.
Which degree fields support an H-1B petition for this role?
Finance, accounting, business administration with a finance concentration, and management information systems are the strongest degree fields for this role. Economics can work if coursework covered financial systems or payment processing. A general business or liberal arts degree without a clear connection to payment operations creates risk during USCIS review and may require a detailed advisory letter from a subject matter expert to bridge the gap.
What types of employers sponsor Senior Payment Operations Specialists?
Fintech companies, card networks, payment processors, and large commercial banks are the most consistent sponsors. Companies like JPMorgan, Stripe, Fiserv, and PayPal have established immigration programs and file H-1B petitions regularly. Regional banks and early-stage startups are less predictable. Migrate Mate filters roles by sponsorship history so you can prioritize employers who have actually filed petitions rather than guessing from job descriptions.
How does the H-1B lottery affect my chances in payment operations?
The regular H-1B lottery applies unless your employer qualifies as a cap-exempt institution. For most fintech and banking roles, you enter the general cap with roughly a 25% selection rate in recent years. If you hold an advanced U.S. degree, you get a second entry, improving overall odds slightly. Australians have an alternative through the E-3 visa, which has no lottery and a separate 10,500 annual cap that has never been exhausted.
Can I transfer my H-1B to a new payment operations employer without restarting the process?
Yes. H-1B portability allows you to start working for a new employer as soon as they file a transfer petition, without waiting for USCIS approval, provided your current status is valid and you have maintained lawful status. The new employer files a new I-129 with a fresh LCA. You do not re-enter the lottery for a transfer. Senior-level payment operations roles at established financial institutions process these transfers routinely.
What is the prevailing wage requirement for sponsored Senior Payment Operations Specialist jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.
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