Payments Operations Analyst

Payments Operations Analyst The Payments Operations Analyst is responsible for ensuring the reliability, efficiency, and risk integrity of payment operations. This position focuses on optimizing payment systems, defining and monitoring performance metrics (transaction speed, failure rates, chargeback ratios), and serving as an escalation point for complex payment issues. The role requires strong analytical judgment, cross‑functional collaboration, and the ability to translate transaction‑level data into actionable insights that improve system performance and reduce risk. What You'll Do Transaction Processing & Monitoring: Executing and monitoring high‑value payments, ACH files, and card transactions. Investigation: Identify discrepancies and perform root‑cause analysis on failures of payment transactions. Compliance & Risk Mitigation: Ensure adherence to financial regulations (AML, KYC) and maintain audit‑ready records. Process Improvement: Identify control gaps, improve operational workflows, and partner with product teams to enhance system efficiency. Cross‑functional Support: Assist Customer Support, Finance, and R&D teams with payment data, inquiries, and technical issues. Chargeback Support & Processing: Review, monitor, and investigate incoming chargeback claims from banks to determine validity; gather documentation (receipts, shipping records, user logs) to create rebuttal cases for representment; monitor chargeback ratios and trends to provide actionable feedback for reducing future disputes; analyze transactions for potential fraud and work with payment systems to prevent future disputes. What We're Looking For High School Diploma or equivalent required; Bachelor's Degree preferred. 2–5 years of payments experience preferred. Understanding of card payment systems. Company Overview At RaceTrac, our people make the difference. Whether you're working in a store, at our corporate office, or on the road, you'll be part of a team that brings energy, innovation, and a passion for serving others every day. We support each other, celebrate wins big and small, and create opportunities for growth at every level. With four operating divisions, RaceTrac, RaceWay, Energy Dispatch, and Gulf – there's always a new challenge to take on and a new path to pursue. Join us and discover how far your career can go. All qualified applicants will receive consideration for employment with RaceTrac without regard to their race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. #J-18808-Ljbffr RaceTrac