Senior Payments Operations Analyst

RaceTrac Company OverviewJob Description:As a Senior Payments Operations Analyst, this role is accountable for the stability, scalability, and risk integrity of payment operations. The position focuses on optimizing end‑to‑end payment systems, defining and governing key performance metrics (e.g., transaction speed, failure rates, chargeback ratios), and serving as a primary escalation point for complex or high‑impact payment issues. The role requires advanced analytical judgment, strong cross‑functional influence, and the ability to translate transaction‑level data into strategic insights that drive system improvements, mitigate risk, and support business decision‑making.What You'll Do:Provide oversight and quality control for high value payments, ACH files, and card transactions, ensuring accuracy, timeliness, and system stabilityMonitor transaction performance and trends to proactively identify risks, anomalies, and potential system impactsLead complex investigations into payment discrepancies and transaction failuresPerform in depth root cause analysis to determine operational, technical, or external drivers and recommend corrective and preventative actionsEnsure payment operations adhere to financial regulations (e.g., AML, KYC) and internal control requirementsMaintain audit ready documentation and partner with compliance and audit teams to address findings and strengthen controlsIdentify control gaps, inefficiencies, and scalability risks within payment workflowsPartner with Product, Engineering, and Finance teams to design and implement process and system enhancements that improve efficiency, reliability, and risk postureAct as a senior subject matter expert supporting Customer Support, Finance, and R&D teams on payment data, escalations, and complex technical issuesTranslate transaction level insights into actionable recommendations for stakeholdersOversee the review, investigation, and resolution of incoming chargeback claims to assess validity and financial exposureDevelop and submit comprehensive analysis using transaction data, receipts, records, and user logsAnalyze chargeback ratios, trends, and fraud indicators to provide strategic insights and drive preventative controls in partnership with payment and fraud teamsWhat We're Looking For:High School Diploma or equivalent required; Bachelor’s Degree preferred5+ years of payments experience preferredUnderstanding of card payment systemsFueled by Growth, Driven by YouAt 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 ...