Payment Services Analyst at BillGO, Inc.

Description

Payment Services Analyst to manage and monitor the movement of funds between our payment partners, ensuring that all money transfer obligations are met accurately and on time. This role is critical for maintaining the integrity and efficiency of our payment operations and ensuring compliance with regulatory and partner settlement requirements.

The ideal candidate will have a strong understanding of payment flows, funds settlement, and operational risk in a fast-paced, high-volume payments environment.

Key Responsibilities:

• Monitor daily cash positions, payment flows, and fund transfers between internal accounts and external payment partners (e.g., banks, payment processors, aggregators).

• Ensure that sufficient funds are available and transferred in a timely manner to meet settlement obligations for customer transactions, vendor payments, and network requirements.

• Prepare, review, and execute fund movement instructions, including wire transfers, ACH payments, and real-time payment transactions.

• Track settlement cycles and ensure compliance with contractual settlement timeframes and SLAs with payment partners.

• Reconcile incoming and outgoing payments with internal ledgers and partner reports to identify and resolve discrepancies quickly.

• Work closely with Treasury, Finance, Risk, and Compliance teams to ensure alignment on cash management, liquidity planning, and regulatory requirements.

• Support investigations into any failed, delayed, or misrouted payments and assist in resolving operational payment issues with partners.

• Maintain clear and accurate documentation of all fund transfers and settlement activities for audit and reporting purposes.

• Assist in developing and enhancing operational processes, controls, and reporting related to funds movement and payment services.

• Provide data and insights for reporting on daily liquidity, transaction volumes, and partner settlement performance.

Qualifications

Required Qualifications:

• Bachelor’s degree in Finance, Accounting, Business, or a related field.

• 2–4 years of experience in payment operations, treasury operations, settlement processing, or a related financial services role.

• Strong understanding of payment flows, settlement cycles, and cash management processes.

• Familiarity with payment methods such as ACH, wire transfers, real-time payments (RTP), and card settlement processes.

• High attention to detail with strong analytical and reconciliation skills.

• Ability to work under tight deadlines and manage time-sensitive financial transactions.

• Strong Excel skills and experience working with payment or treasury management systems.

• Excellent communication skills for working with both internal teams and external payment partners.