[Remote] Payments Operations Analyst

Note: The job is a remote job and is open to candidates in USA. Leap is on a mission to transform the home improvement industry through innovative technology. The Payments Operations Analyst will be responsible for ensuring the efficiency and profitability of Leap Pay and SaaS payments by monitoring reports, identifying risks, and collaborating with various departments to optimize payment processes.

Responsibilities

• Monitor the health of Leap Pay and our SaaS payments: review operational and payments reports regularly, flag risks and anomalies, and surface recommendations with clear next steps
• Support payments optimization efforts: analyze BPS, effective rates, interchange, ACH economics, and vendor pricing to identify trends and flag cost reduction opportunities to the Head of FinTech
• Own project and risk management across payments operations: track open items, dependencies, and priorities; keep stakeholders aligned and initiatives moving
• Use AI tools to monitor and maintain compliance with card network rules, PCI-DSS, SOC 2, BSA/AML, and GDPR/CCPA - staying current without manual overhead
• Build and maintain payments and risk dashboards tracking key metrics: BPS, effective rates, ACH cap impact, Amex pass-through, attrition sensitivity, and compliance health
• Maintain compliance documentation, risk assessments, vendor scorecards, policies, and operational playbooks
• Facilitate Technical Partners & Onboarding: Serve as the main point of contact for new payment processors and gateways. Review their API documentation to understand capabilities, verify that data structures map to Leap's business needs, and coordinate sandbox testing and certification alongside Engineering
• Bridge the Gap for Engineering: Translate vendor payment logic, error codes, and processing rules into clear operational requirements for the dev team, ensuring they have the business context needed to build efficient integrations
• Own state money transmitter license tracking: maintain accurate filing calendars, renewal requirements, and records in coordination with Legal - this is a dedicated work stream, not a side task
• Partner with Engineering, Product, Legal, Finance, Marketing, Sales, and Customer Success to identify risks, dependencies, and opportunities; coordinate resolution and mitigation
• Prepare internal reporting on payments operations and risk metrics for leadership review
• Manage chargeback and dispute operations: monitor rates, identify fraud patterns, coordinate responses, and escalate threshold breaches to the Head of FinTech

Skills

• 3-5 years of experience in payments operations, payments strategy, or a related field in a SaaS or fintech environment
• Technical Literacy: Clear understanding of the modern payment processing ecosystem and how systems communicate - comfortable reading API documentation and understanding how data flows between platforms, even without an engineering background
• Execution-oriented: you move fast, figure things out, and don't wait for perfect information before making a recommendation
• Data & Tools: Strong analytical skills with advanced Excel or Google Sheets required; high comfort level learning and navigating software platforms is essential
• AI-native: you actively use AI tools in your workflow-specifically for compliance monitoring, drafting operational documentation, synthesizing regulatory updates, and accelerating analysis; you can point to concrete examples
• Familiarity with compliance frameworks (PCI-DSS, SOC 2, BSA/AML, GDPR/CCPA) and comfort operating within regulated environments
• Developer Liaison: Proven experience collaborating with product or engineering teams - comfortably reading vendor documentation to explain business logic and requirements to developers
• Low-ego collaborator comfortable working cross-functionally with Engineering, Legal, Finance, and Product
• Bachelor's degree in Business, Finance, Information Systems, or related field required
• Experience in home improvement, home services, or construction tech is a strong plus

Benefits

• Affordable Health & Wellness Coverage – comprehensive and competitive benefits package, starting the first of the month following your hire date.
• 401(k) company match to help you build financial security.
• Flexible Time Off (FTO) policy, 10 paid sick days, and 8 paid company holidays.
• Comprehensive Employee Assistance Program (EAP) – resources to support your mental health, financial well-being, and everyday challenges.
• Exclusive Discounts withLifeMart(via ADP) – save on groceries, restaurants, entertainment, pet insurance, cell phones, child care, and more!
• MoveSpringWellness App – stay active and engaged with company step challenges, workout content, meditation tools, and wellness blogs for a healthier you!
• Culture & Team-Building Activities – we love to connect, celebrate, and grow together through team events, fun challenges, and company traditions like our Annual Summit!

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