Payment Operations Associate

What We're DoingAt Synctera, we’re powering the future of FinTech. We help companies create new revenue streams and enhance their value proposition with FinTech apps and embedded banking products. With APIs, compliance support, and bank partners in one end-to-end Banking as a Service platform, Synctera is the fastest and easiest way to build, launch, and scale bank accounts, debit cards, charge cards, lending, and more. We help banks increase deposits and non-interest income by expanding their footprint through FinTech and embedded finance partnerships. The Synctera Platform enables banks to manage their program through a fully compliant, scalable solution.

We are looking for interesting, curious, wickedly smart people who are ready to jump in and run with our fast-growing team. If you want to have fun at work, collaborate with some of the sharpest people in the industry, grow the FinTech and Banking as a Service ecosystem, and love to win, read on!

What We’re Looking ForIn this role, you’ll help keep payments running smoothly and accurately by working on reconciliation workflows, analyzing payment data, resolving discrepancies, and supporting both internal teams and external partners. You bring a foundational understanding of payments and are familiar with at least one payment rail. You enjoy working with transaction data, following the flow of funds, and digging in when something doesn’t add up. This is a cross-functional role in a fast-paced environment, suited to someone who is collaborative, resourceful, and eager to grow while making meaningful contributions from day one.

You’ll thrive in this role if you:

Show tenacity and curiosity

Connect the dots in complex systems

Ask foundational questions to build understanding

Operate without a detailed script

Are comfortable with ambiguity and change

Balance ownership and risk

Have strong attention to detail

Communicate clearly and honestly

What You'll DoSupport day-to-day payment reconciliations across Synctera’s platform, partner banks, and fintech customers, helping ensure balances are accurate across multiple US and Canadian payment rails.

Monitor payment flows and queues – review dashboards, alerts, and worklists to help make sure payments are processed correctly and on time, escalating when you see potential risk or customer impact.

Investigate breaks and exceptions – trace end-to-end transaction journeys with guidance, analyze payment data, identify likely root causes (data, system, or process), and clearly summarize what happened and how it was resolved.

Follow and strengthen operational controls – execute reconciliation and approval workflows accurately, and flag any gaps or risks you notice to the team.

Surface patterns and opportunities for automation – highlight recurring issues, manual work, and edge cases you see in daily operations, and partner with teammates, Product, and Engineering on ideas to improve tools and processes.

Maintain and improve runbooks and documentation – help keep procedures, checklists, and reconciliation guides current as systems and products evolve, so the team can scale what you help build.

Collaborate across teams and partners – work with internal teams (Product, Engineering, Compliance, Support) and external partners (banks, fintech customers) to resolve payment questions and keep flows running smoothly, looping in more senior teammates when needed.

What You'll BringUnderstanding of finance, accounting, or payments, ideally within the US and/or Canadian markets.

1 to 3 years of experience in payment operations, reconciliation, payment processing, or a similar role.

Familiarity with at least one common North American payment rail (for example, ACH, wires, card networks, EFT, Interac) and related payment systems or tools.

Strong skills in analyzing and interpreting transaction data and spotting discrepancies.

Detail-oriented with high accuracy in data entry and documentation.

Comfortable using spreadsheets; familiarity with basic SQL is a plus.

Experience with implementing AI agent-based systems to streamline processes would be a plus.

Good problem-solving skills and ability to stay effective under time pressure.

Strong communicator who works well with others, including internal teams and external partners.

Able to manage time, prioritize across multiple workflows, and adapt as priorities or tasks change.

Benefits100% employer paid medical, dental, and vision benefits for US and Canadian employees and dependents

Employer contribution to HSA for US employees

Annual HCSA and generous extended health care coverage for Canadian employees and dependents

401(k) for US employees and RRSP for Canadian employees

Mental health resources available for all employees

Unlimited paid time off

Generous paid new parent leave program

Home office setup stipend

Stock options program for all employees

Growth potential and opportunity to have a significant impact at an early stage of our company's journey

Working alongside a skilled and passionate team

Diversity & InclusionSynctera is committed to having a workforce that is reflective of the diversity within the United States and Canada. As an equal opportunity employer, we encourage applications from candidates from underrepresented communities, Indigenous persons, persons with disabilities, persons of diverse sexual orientation and gender identity, and all those who can provide different perspectives and contribute to the diversification of Synctera.

Additional InformationPlease note that although all positions at Synctera are remote, candidates must be located and authorized to work in the US or Canada as a precondition of employment. Synctera does not sponsor applicants for work visas.

To all recruiters and recruitment agencies: Synctera does not accept unsolicited resumes. Please do not forward resumes to our jobs alias or to Synctera employees without an active vendor agreement in place. Synctera is not responsible for any fees related to unsolicited resumes.

With the current increase in job recruitment phishing scams globally, we wanted to remind you that all official communications from Synctera will only come from a @synctera.com email address. If you’ve received a communication regarding Synctera that you have a question or concern about, please contact recruiting@synctera.com.