Treasury Operations Associate

Lithic is the modern card issuing and processing platform empowering ambitious financial companies to build the future of payments.

Our infrastructure powers card programs for 100+ innovative clients, from fintechs reimagining credit and digital banking to platforms transforming disbursements and spend management. Companies like Mercury, Flex, and Novo rely on Lithic's developer-friendly APIs, direct network connections, and flawless reconciliation to launch and scale card programs in weeks, not years.

We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others.

We're a team of 170+ across 26 states and 7 countries, headquartered in New York City.

Lithic's Treasury Operations team owns the movement of money across our card issuing infrastructure — network settlement, sponsor bank transfers, and the reconciliation that keeps it all provable. This is a hands-on, high-ownership role for someone who wants to learn the inner workings of payments and fintech infrastructure, not just observe them from a reporting layer.

You'll be running a critical, time-sensitive engine every day — and at the same time, working alongside the Head of Treasury Operations to improve how that engine works as the function scales. You’ll also work cross-functionally across a wide range of teams (Finance, Treasury Engineering, Risk, Analytics, Processing, Customer Success, Bank Operations) — this role sits at the center of a lot of different workflows, not off in a silo.

Execution (50%)

• Own day-to-day execution of network settlement transfers (Mastercard, Visa) and related treasury transfers across sponsor banks
• Operate in a time-sensitive environment where errors or delays have immediate downstream consequences
• Support reconciliation and ensure transfers tie out against expected activity
• Be a reliable, detail-oriented operator of an existing process — accuracy and consistency matter as much as speed

Process Optimization (20%)

• Take existing workflows and make them better: fewer manual steps, stronger controls, cleaner audit trails
• Identify friction or risk in current processes and propose (and build) improvements
• Balance improvement work against the need for strong financial controls — nothing gets streamlined at the expense of auditability

Project Support (30%)

• Support the Head of Treasury Operations on larger initiatives as the function scales
• Contribute analysis, documentation, and execution support to new treasury infrastructure, reporting, or process builds

Ongoing

• Run ad hoc data analysis (SQL, Excel) to answer operational and financial questions on the fly
• Support downstream audit and reporting needs tied to settlement and reconciliation activity
• Be available outside normal business hours in rare emergency situations (e.g., a failed settlement or bank-side issue)

This role is a front-row seat to the nuts and bolts of card issuing and payments infrastructure — network settlement mechanics, sponsor bank relationships, and the guts of how money actually moves through a modern fintech stack. You'll come out of this role with a depth of operational fintech knowledge that's hard to get anywhere else.

• 2–4 years of relevant experience in treasury operations, funds transfer/money movement operations, cash management, or a closely adjacent operational finance role
• Experience with reconciliation and financial controls — you understand why the numbers need to tie out, not just how to…