Payment Operations Analyst

About the Opportunity

Payment Operations ensures money moves reliably, efficiently, and at scale across Moon Pay’s global payments stack. This role sits within Payment Ops and is focused on stablecoin issuance operations, including minting, burning, and daily reconciliations, alongside broader payments performance monitoring and operational excellence. This is a high‑trust operational role supporting regulated workflows that require strong controls, attention to detail, and disciplined execution.

Location Requirement:
This role is based in New York and requires in‑office attendance five days per week, due to stablecoin issuance security protocols and signer requirements.

• Support day‑to‑day stablecoin mint and burn workflows, executed under strict operational controls.
• Perform daily mandatory reconciliations across stablecoin issuance products, including end‑of‑day reconciliation aligned to US banking hours.
• Execute processes under a four‑eyes (maker‑checker) framework, ensuring segregation of duties and audit‑ready evidence.
• Maintain clear, timestamped operational records and support immutable log requirements for audit and regulatory review.
• Coordinate closely with Stablecoin Product, Treasury, Finance, and internal security stakeholders to ensure safe and compliant issuance operations.

• Investigate and resolve discrepancies across bank accounts, provider balances, internal ledgers, and transaction records.
• Monitor partner and bank SLAs and elevate deviations to protect payment continuity.
• Own operational execution for high‑impact issues, ensuring clean resolution and clear documentation.
• Contribute to SOPs, controls, and process governance to strengthen IPO readiness.

• Monitor key payment health metrics and identify anomalies impacting conversion and revenue capture.
• Perform deep dives into payment failures (issuer declines, processor issues, customer friction) and support remediation plans.
• Support routing optimisation initiatives, working with Product and Engineering to reduce repeat failures.
• Translate operational signals into actionable insights to improve performance and reduce operational waste.

• Build and maintain dashboards and visualisations to track KPIs and surface actionable insights.
• Use AI, SQL and analytics tools to automate recurring reporting and reconciliation workflows.
• Partner with Data Engineering to improve monitoring, alerting, and operational visibility.
• Support compliance‑aligned operations across payments and stablecoin workflows.
• Execute sensitive processes with strict access controls and evidence standards.
• Identify and elevate operational risk proactively, particularly where money movement and regulatory requirements intersect.

• 2+ years of experience in payment operations, financial operations, reconciliation, or accounting (stablecoin or crypto experience is a strong plus).
• Highly detail‑oriented with strong operational judgement in high‑trust environments.
• Comfortable working across multiple systems and reconciling disparate data sources.
• Strong analytical ability—able to investigate issues, form hypotheses, and validate with data.
• Clear communicator with the ability to coordinate cross‑functionally and elevate effectively.
• Comfortable operating in a fast‑moving environment with high accountability.

• Experience in crypto operations, stable coins, custody, or on‑chain workflows.
• Familiarity with maker‑checker controls, audit evidence standards, or regulated operations.
• Working knowledge of SQL, Looker, Big Query, or similar tooling.
• Understanding of payment rails (ACH, card processing, payout systems) and provider integrations.

We are committed to diversity and inclusion. We prohibit discrimination and harassment of any kind based on protected characteristics under the law. We provide reasonable accommodations for qualified individuals with disabilities. If you need assistance, please contact our Talent Team.