Head of Payment Operations US

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing . Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team Based out of our office in Sandy, Utah, we are eager to welcome local candidates as well as those looking to relocate to the area. We operate on a hybrid model with an expectation of two days per week in the office. The Payment Operations team powers the accurate, timely, and secure movement of funds across the entire Raisin U.S. platform. As a multi-bank deposit marketplace supporting high-yield savings accounts, CDs, and a centralized cash account, Raisin facilitates inbound and outbound ACH transactions, reinvestments, and internal money movement across partner banks, custodial banks, and service bank relationships. Payment Operations owns the end-to-end payment lifecycle: transaction processing, multi-entity settlement, ledger reconciliation, exception resolution, and operational risk mitigation. The team works hand-in-hand with Product, Engineering, Compliance, Custodial and Service Banks and other partners to build scalable financial infrastructure. As Raisin expands, we are focused on designing a flexible operational architecture capable of supporting a broader multi-rail payment ecosystem. Your Responsibilities As the Head of Payment Operations , you will lead our core payments function through an exciting expansion phase: scaling our existing payment infrastructure while designing, launching, and managing operational workflows for new payment rails from the ground up. You are a hybrid leader: a strategic thinker who can partner internally and externally to launch new capabilities, and an accountable operator who has strong expertise in managing ledger entries, settlement breaks, dispute workflows, and network rules. You bring hands-on experience across multiple payment rails and a strong understanding of the Banking-as-a-Service (BaaS) landscape, including sponsor bank dynamics, issuer processors, and modern payment orchestration. As Raisin US’s senior most payments operator, you are accountable for ensuring timely and accurate money movement and reconciliation, and the primary architect of our multi rail operational strategy. Payments Strategy & Operational Leadership Own timely and accurate execution and settlement of all payment instructions in partnership with Raisin engineering, Service Bank and their sub processors. Own and evolve the payment operations strategy for Raisin’s U.S. business, ensuring scalability, resiliency, and accuracy across all money movement flows. Build operational roadmaps to support new product and payment rail expansions, increased product and payment complexity. Represent payments operations in executive forums and partner closely with Product, Engineering, Compliance, and external banking partners. Anticipate operational risks and design controls that prevent issues before they impact customers or financial partners. Proven track record of directly liaising with external auditors, remediating identified control gaps, and maintaining continuous compliance monitoring between audit cycles. Reconciliation, Ledger Integrity & Controls Own continuous multi-party reconciliation across Raisin internal ledgers, custodial banks, service banks, Deposit taking bank partners, and other third-party fintech partners. Build and enhance exception reporting and workflow processes to quickly identify and resolve discrepancies. Partner with Engineering and Data teams to ensure data pipelines, ledger systems, and…