Senior Payment Operations Specialist Jobs in USA with Visa Sponsorship
Senior Payment Operations Specialists are strong H-1B visa 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 JobsWho we are looking for:
We are looking for a strategic, delivery-focused payments leader to lead the business execution of our Payments Risk and Resiliency Programs across payment anomaly detection, end-to-end payment traceability, and SWIFT resiliency. The successful candidate will establish integrated governance, align business and technology delivery, manage interdependencies, lead the transition from project implementation to a sustainable business-as-usual operating model, and assume ongoing ownership and daily management of these capabilities to ensure their continued effectiveness, governance, and delivery of business outcomes.
Why this role is important to us?
Our Payments Risk and Resiliency Programs are intended to strengthen payment messaging resilience through improved end-to-end traceability, anomaly detection and response, and infrastructure readiness. This role provides the senior business leadership needed to connect the three workstreams, maintain delivery discipline and ensure that new capabilities become controlled, scalable and operationally effective services.
Join us if contributing to our Payments Risk and Resiliency Programs is a challenge you are up for.
What you will be responsible for
- Own the integrated business delivery plan, scope, roadmap, governance and executive reporting across the three Payments Risk and Resiliency workstreams.
- Translate the programme charter and business requirements into prioritized deliverables, accountable owners, milestones, dependencies and measurable outcomes.
- Lead cross-functional engagement across Payments Operations, Technology, Cybersecurity, Architecture, Risk, Compliance, Client Service, Finance and SWIFT stakeholders.
- Direct the business analysis approach, ensuring requirements, process maps, operating model decisions, controls, user stories and acceptance criteria are complete and traceable.
- Oversee anomaly detection implementation, including operating model design and implementation, rule management, data requirements, case management, explainability, exception handling, approval controls, testing and production readiness.
- Oversee payment traceability delivery, including application inventory, lifecycle-event mapping, payment identifier correlation, exception visibility, access controls and client-safe status design.
- Coordinate SWIFT resilience planning, readiness, governance decisions, test strategy, adoption planning and alignment with the anomaly and traceability workstreams.
- Establish the Anomaly Detection target operating model, resourcing, training, procedures, service measures, control framework, and transition plan to BAU, assuming ongoing ownership and management of the function following implementation.
- Manage delivery risks, funding and resource dependencies, escalating decisions and issues with clear options and recommendations.
- Align anomaly detection and cyber-response processes so suspicious or incorrect payment activity is triaged effectively during resilience events.
- Represent the programme at steering committees and senior forums using concise, evidence-based reporting.
What we value:
These skills will help you succeed in this role:
- Senior leadership, operations and programme delivery experience in global payments, treasury, settlement or financial market infrastructure.
- Strong understanding of end-to-end payment flows, SWIFT messaging, screening, operational controls, resilience and technology dependencies.
- Demonstrated ability to lead business and technology change from discovery through implementation and BAU transition.
- Excellent governance, executive communication, stakeholder influence and decision-making skills.
- Strong risk, control, regulatory and audit awareness, including operational resilience and data protection considerations.
Education & Preferred Qualifications:
- Bachelor’s degree in business, finance, technology, risk or a related discipline.
- 10+ years of relevant financial services experience, including senior programme or change leadership.
- Experience leading multi-workstream payment or operational resilience programmes is highly valued.
Salary Range:
$110,000 - $188,750 Annual
The range quoted above applies to the role in the primary location specified. If the candidate would ultimately work outside of the primary location above, the applicable range could differ.
Employees are eligible to participate in State Street’s comprehensive benefits program, which includes: our retirement savings plan (401K) with company match; insurance coverage including basic life, medical, dental, vision, long-term disability, and other optional additional coverages; paid-time off including vacation, sick leave, short term disability, and family care responsibilities; access to our Employee Assistance Program; incentive compensation including eligibility for annual performance-based awards (excluding certain sales roles subject to sales incentive plans); and, eligibility for certain tax advantaged savings plans.
About State Street
Across the globe, institutional investors rely on us to help them manage risk, respond to challenges, and drive performance and profitability. We keep our clients at the heart of everything we do, and smart, engaged employees are essential to our continued success.
We are committed to fostering an environment where every employee feels valued and empowered to reach their full potential. As an essential partner in our shared success, you’ll benefit from inclusive development opportunities, flexible work-life support, paid volunteer days, and vibrant employee networks that keep you connected to what matters most. Join us in shaping the future.
As an Equal Opportunity Employer, we consider all qualified applicants for all positions without regard to race, creed, color, religion, national origin, ancestry, ethnicity, age, disability, genetic information, sex, sexual orientation, gender identity or expression, citizenship, marital status, domestic partnership or civil union status, familial status, military and veteran status, and other characteristics protected by applicable law.
Job Application Disclosure:
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
Who we are looking for:
We are looking for a strategic, delivery-focused payments leader to lead the business execution of our Payments Risk and Resiliency Programs across payment anomaly detection, end-to-end payment traceability, and SWIFT resiliency. The successful candidate will establish integrated governance, align business and technology delivery, manage interdependencies, lead the transition from project implementation to a sustainable business-as-usual operating model, and assume ongoing ownership and daily management of these capabilities to ensure their continued effectiveness, governance, and delivery of business outcomes.
Why this role is important to us?
Our Payments Risk and Resiliency Programs are intended to strengthen payment messaging resilience through improved end-to-end traceability, anomaly detection and response, and infrastructure readiness. This role provides the senior business leadership needed to connect the three workstreams, maintain delivery discipline and ensure that new capabilities become controlled, scalable and operationally effective services.
Join us if contributing to our Payments Risk and Resiliency Programs is a challenge you are up for.
What you will be responsible for
- Own the integrated business delivery plan, scope, roadmap, governance and executive reporting across the three Payments Risk and Resiliency workstreams.
- Translate the programme charter and business requirements into prioritized deliverables, accountable owners, milestones, dependencies and measurable outcomes.
- Lead cross-functional engagement across Payments Operations, Technology, Cybersecurity, Architecture, Risk, Compliance, Client Service, Finance and SWIFT stakeholders.
- Direct the business analysis approach, ensuring requirements, process maps, operating model decisions, controls, user stories and acceptance criteria are complete and traceable.
- Oversee anomaly detection implementation, including operating model design and implementation, rule management, data requirements, case management, explainability, exception handling, approval controls, testing and production readiness.
- Oversee payment traceability delivery, including application inventory, lifecycle-event mapping, payment identifier correlation, exception visibility, access controls and client-safe status design.
- Coordinate SWIFT resilience planning, readiness, governance decisions, test strategy, adoption planning and alignment with the anomaly and traceability workstreams.
- Establish the Anomaly Detection target operating model, resourcing, training, procedures, service measures, control framework, and transition plan to BAU, assuming ongoing ownership and management of the function following implementation.
- Manage delivery risks, funding and resource dependencies, escalating decisions and issues with clear options and recommendations.
- Align anomaly detection and cyber-response processes so suspicious or incorrect payment activity is triaged effectively during resilience events.
- Represent the programme at steering committees and senior forums using concise, evidence-based reporting.
What we value:
These skills will help you succeed in this role:
- Senior leadership, operations and programme delivery experience in global payments, treasury, settlement or financial market infrastructure.
- Strong understanding of end-to-end payment flows, SWIFT messaging, screening, operational controls, resilience and technology dependencies.
- Demonstrated ability to lead business and technology change from discovery through implementation and BAU transition.
- Excellent governance, executive communication, stakeholder influence and decision-making skills.
- Strong risk, control, regulatory and audit awareness, including operational resilience and data protection considerations.
Education & Preferred Qualifications:
- Bachelor’s degree in business, finance, technology, risk or a related discipline.
- 10+ years of relevant financial services experience, including senior programme or change leadership.
- Experience leading multi-workstream payment or operational resilience programmes is highly valued.
Salary Range:
$110,000 - $188,750 Annual
The range quoted above applies to the role in the primary location specified. If the candidate would ultimately work outside of the primary location above, the applicable range could differ.
Employees are eligible to participate in State Street’s comprehensive benefits program, which includes: our retirement savings plan (401K) with company match; insurance coverage including basic life, medical, dental, vision, long-term disability, and other optional additional coverages; paid-time off including vacation, sick leave, short term disability, and family care responsibilities; access to our Employee Assistance Program; incentive compensation including eligibility for annual performance-based awards (excluding certain sales roles subject to sales incentive plans); and, eligibility for certain tax advantaged savings plans.
About State Street
Across the globe, institutional investors rely on us to help them manage risk, respond to challenges, and drive performance and profitability. We keep our clients at the heart of everything we do, and smart, engaged employees are essential to our continued success.
We are committed to fostering an environment where every employee feels valued and empowered to reach their full potential. As an essential partner in our shared success, you’ll benefit from inclusive development opportunities, flexible work-life support, paid volunteer days, and vibrant employee networks that keep you connected to what matters most. Join us in shaping the future.
As an Equal Opportunity Employer, we consider all qualified applicants for all positions without regard to race, creed, color, religion, national origin, ancestry, ethnicity, age, disability, genetic information, sex, sexual orientation, gender identity or expression, citizenship, marital status, domestic partnership or civil union status, familial status, military and veteran status, and other characteristics protected by applicable law.
Job Application Disclosure:
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
See all 2,123+ Senior Payment Operations Specialist Jobs
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Get Access To All JobsTips for Finding 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.
Frequently 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 visa 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.