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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INTRODUCTION
Cotiviti Healthcare is a leading provider of payment accuracy services to the most recognized companies in the healthcare and retail industries. We are seeking innovative thinkers and creative problem solvers who are interested in making a contribution to improving healthcare and want to be part of a team that is expanding rapidly and providing opportunities for career growth. If you want to make a difference and contribute to the improvement of healthcare payment integrity, consider an opportunity to join our healthcare recovery team as a Payment Accuracy Specialist.
A Payment Accuracy Specialist 1 is a member of the greater Data Mining Business Unit (BU). Cotiviti's Data Mining team configures custom claim reviews to investigate untapped billing compliance issues specific to regulations and contracted policies across product, market, and provider types.
This role is responsible for auditing client data and generating high quality recoverable claims for the benefit of Cotiviti and our clients. Responsible for conducting or assisting in the identification, validation, and documentation of moderate to more complex audit projects. Documents relevant facts, information, and conclusions drawn to support the work performed and validate the claim. Utilizes this information to knowledge share within the audit team. Displays a high degree of independent judgment and professional skepticism that enhances the work performed in order to achieve success in the position.
Responsibilities
- This individual will receive direct supervision and ongoing support to ensure efficiency in production and quality review of assigned work.
- Demonstrates the ability to build and maintain a solid understanding of Centers for Medicare and Medicaid Services (CMS) and National Association of Insurance Commissioners (NAIC) guidelines to establish the correct order of liability.
- Proficient with Cotiviti audit tools Recovery Management System (RMS), specific client systems to complete auditing, review simple - medium proprietary reports, has an advanced understanding of Microsoft Excel and client applications.
- Draws on prior experience to audit standard reports and paid claims to identify over and under-payments of claims. The scope may include Data Mining, Claim Adjudication, Contract Compliance, Provider Billing & Duplicate Payment Reviews, Policy & Reimbursement Analysis, and Quality Assurance. This role is assigned to medium/complex reports.
- Enters overpayments into Cotiviti system accurately and in accordance with standard procedures. Identifies and discusses audit findings with the audit team as a part of knowledge sharing and concept expansion.
- May update current reports, develop, and run custom queries and validate the accuracy of current reports used. Makes determinations based on prior knowledge and experience of client contract terms with the likelihood of recovery acceptance.
- Meets or exceeds standards for productivity, maintains regular and predictable attendance, and achieves production goals and standards set by the audit for the auditing concept. Ensures the expected level of quality and quantity for assigned work, including hit rate, claims written, vendor/project volume completion, ID, and/or fees per hour.
- Meets or Exceeds Standards for Quality by achieving the expected level of quality set by the audit for the auditing concept, for valid claim identification and documentation.
- Responds effectively to inquiries received on claims written. Provides verification of claims validation and confirmation, in a concise written manner, utilizing facts and details for justification purposes.
- Demonstrates aptitude in reviewing transaction types, client contracts/vendor agreements, and client data with limited supervision of how to identify potential over or underpayments. Makes recommendations on medical policy application, state and federal statutes, and other reimbursement methodologies as it applies to the audit concept.
- Participates in onboarding new hires and cross-training efforts.
- Identifies New Claim Types & Concept Expansion by researching and identifying potential claims outside the audit concept. Suggests, develops, and analyzes high quality, high value concepts and/or process improvements, tool enhancements, etc.
- Recommends New Concepts & Processes by leveraging knowledge of client, contract terms, and complex claim types. Works towards developing and implementing new ideas, approaches, and/or technological improvements that will support and enhance audit production. Evaluates information and draws logical conclusions. Uses learned, tried, and proven validation methods to test and produce the desired/intended result of the new concept. May collaborate with Engineering in the development of new reports.
- Demonstrates understanding of Cotiviti policies & procedures, and external regulatory requirements and performs duties in accordance with such regulatory requirements.
- Ensures confidentiality and security of all data, adhering to all HIPAA (Health Insurance Portability and Accountability) laws and requirements. Demonstrates the skills, knowledge, and ability to ensure that our environment is safe, complying with industry standards.
This job description is intended to describe the general nature and level of work being performed and is not to be construed as an exhaustive list of responsibilities, duties and skills required. This job description does not constitute an employment agreement and is subject to change as the needs of Cotiviti and requirements of the job change.
BASIC QUALIFICATIONS
- High School Diploma - Required.
- Bachelor’s degree (Preferred) and/or a minimum of at least (2 - 4) year/s related experience in healthcare.
- At least 2 - 3 years of Cotiviti experience is recommended for individuals seeking their next opportunity internally.
- Healthcare industry experience, including knowledge of Medicaid Claims is strongly preferred.
- Computer proficiency including Microsoft Office (Word, Excel, Outlook, Access).
- Excellent verbal and written communication skills.
- Strong interest in working with large data sets and various databases.
- Ability to work well in an individual and team environment demonstrating self–motivation to deliver success.
Cognitive/Mental Requirements:
- Ability to analyze large volumes of data, identify trends, discrepancies, and anomalies. Must have exceptional attention to detail to ensure accuracy in financial records and audit findings.
- Demonstrates strong critical thinking skills, with the ability to assess complex situations, identify key issues, and propose practical solutions. Able to approach challenges methodically and with a strategic mindset.
- Make informed decisions based on available data, regulations, and auditing standards. Must be able to weigh options and make recommendations that align with both compliance requirements and organizational goals.
- Strong understanding of auditing standards, regulations, and industry best practices. Must be able to apply these standards consistently to ensure accurate and compliant audit processes.
- Ability to recognize when something is wrong or needs further investigation. Must have the initiative to probe deeper into financial records or processes to uncover issues, inconsistencies, or irregularities.
- Ability to work effectively as part of an audit team, sharing insights, collaborating on tasks, and contributing to a positive and productive team dynamic.
- Demonstrates strong time management skills with the ability to juggle multiple tasks simultaneously and efficiently.
Physical Requirements and Working Conditions:
- Remaining in a stationary position, often standing or sitting for prolonged periods.
- Repeating motions that may include the wrists, hands, and/or fingers.
- Must be able to provide a dedicated, secure work area.
- Must be able to provide high-speed internet access/connectivity and office setup and maintenance.
- No adverse environmental conditions expected.
COMPENSATION
- Base compensation ranges from $25.75 to $29.75 per hour. Specific offers are determined by various factors, such as experience, education, skills, certifications, and other business needs. This role is eligible for discretionary bonus consideration.
Nonexempt employees are eligible to receive overtime pay for hours worked in excess of 40 hours in a given week, or as otherwise required by applicable state law.
Cotiviti offers team members a competitive benefits package to address a wide range of personal and family needs, including medical, dental, vision, disability, and life insurance coverage, 401(k) savings plans, paid family leave, 9 paid holidays per year, and 17-27 days of Paid Time Off (PTO) per year, depending on specific level and length of service with Cotiviti. For information about our benefits package, please refer to our Careers page.
Date of posting: 7/15/2026
Applications are assessed on a rolling basis. We anticipate that the application window will close on 8/15/2026, but the application window may change depending on the volume of applications received or close immediately if a qualified candidate is selected.
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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.