Director, Payment Operations

Array is a financial innovation platform that helps digital brands, financial institutions, and fintechs get compelling consumer products to market faster. We deliver a suite of credit and identity monitoring tools, privacy protection, and a financial ads marketplace via embeddable widgets or a clean, modern API. Our private label offerings help drive revenue and increase engagement for our customers while empowering millions of consumers to achieve their financial goals.

As a remote-first company, we’re focused on providing opportunities for high performing individuals to have deep impact in the fast growing fintech space. A clear mission, a commitment to continuous improvement and a willingness to experiment empower us individually and together deliver the best products for our clients and users.

As the Director of Payment Operations, you will own the operating model, processes and controls required to deliver reliable, compliant and scalable payment capabilities across Array’s products. You will build and lead the function responsible for client payment onboarding and lifecycle management, transaction monitoring, settlement and reconciliation, disputes, payment incidents, and client and partner escalations as Array expands from gateway functionality into payment facilitation.

You will:

• Partner with Product, Engineering, Finance, Legal, Compliance and Risk to define the operational requirements, controls and readiness plans needed to launch and scale Array’s payment capabilities
• Partner with our existing Money Operations team responsible for our D2C offerings. You ensure our B2B and D2C operating models, capabilities and roadmaps are aligned
• Build, operate and continuously improve the transaction monitoring, settlement, reconciliation, exception-management and reporting processes supporting Array+ and Private Label solutions
• Define and manage the end-to-end payment account lifecycle for B2B clients, including onboarding, activation, account changes, risk-related actions and offboarding
• Establish and lead the response to payment incidents and complex client escalations, including runbooks, triage, communication, resolution, root-cause analysis and corrective-action tracking
• Own the day-to-day operating relationships with processors, sponsor banks, gateways, and acquirers, including partner performance, issue escalation and the operational implementation of new partners
• Establish scalable processes for disputes, chargebacks, returns, holds and other payment exceptions in partnership with Risk, Compliance and Finance
• Serve as a Subject Matter Expert internally and externally
• Partner with Legal and Compliance to translate regulatory and contractual requirements into operational controls, documentation, audit evidence and remediation plans
• Maintain a habit of using AI tools to think, build, and ship faster - it’s your default, not an afterthought.

You have:

• 5+ years of experience in payment operations, financial operations or payment infrastructure, including several years leading teams or functions
• Direct experience working for a payment facilitator, embedded-payments platform or vertical SaaS company with integrated payments
• Experience building or scaling payment operations in a high-growth, technology-driven environment
• Strong working knowledge of ACH and card-payment flows, including authorization, capture, funding, settlement, reconciliation, refunds, chargebacks and exceptions
• Experience managing payment incidents and complex client escalations, including triage, communications, root-cause analysis and corrective actions
• Demonstrated ability to design operational controls, procedures, reporting and audit evidence in partnership with Legal, Compliance and Risk
• Experience partnering with Product and Engineering to define operational requirements, launch new payment capabilities and automate manual processes
• Strong analytical ability, including defining KPIs, identifying payment-performance issues and using data to improve reliability, risk and efficiency
• Experience building teams, establishing coverage models and creating accountability in a function where responsibilities are still evolving
• A belief that AI is reshaping work, you instinctively use it to accelerate everything you do.

Pay transparency: $175,000+ for base salary, depending on experience. Full time employee compensation includes an Incentive Stock Option (ISO) grant, subject to Board approval.

Expected interview process: Recruiter Conversation - Hiring Manager Interview - Loop round.

Expected onboarding process: Onboarding at Array is active, not passive: new hires spend their first two weeks building fluency in our products, customers, and value proposition, and are expected to pass scored assessments before beginning role-specific work. Success means meeting defined performance standards through a six-month evaluation period - with continuous feedback and ongoing accountability as core parts of working at Array.

Array Offers All Full Time Employees the following Benefits and Perks:

• Full medical, dental, and vision, premiums covered at 100% for full-time employees and 70% for dependents
• Unlimited PTO and sick leave + 14 company holidays to encourage a healthy work-life blend
• 100% 401k match up to 4% with immediate vesting
• Generous and competitive parental leave for all parents
• $1,000 desk setup subsidy to set-up your unique remote office
• $100/month to subsidize wifi/cell phone expenses
• Summer Fridays (half-day Fridays) typically from late May to the end of August
• Commuter benefits for those who choose to go into our New York City or San Francisco office spaces

Not sure if you meet the Qualifications? We know that folks tend to only apply if they check every box. If you think you have the appropriate qualifications, but don’t meet every single one, we encourage you to still apply. We’d love to hear from you.

We are proud to be an equal opportunity workplace; we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. Array will provide reasonable accommodations to qualified applicants - if you need an accommodation to participate in the application or interview process, please email talent@array.com to make your request.

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