Associate - Payment Operations at TerraPay

Bengaluru, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

09 Mar, 26

Salary

0.0

Posted On

09 Dec, 25

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Card Issuance, Fraud Monitoring, Analytical Skills, Problem-Solving, Communication Skills, Interpersonal Skills, Detail-Oriented, Compliance Standards, Card Operations, Customer Support, Process Improvement, Data Analysis, Team Management, Workflow Optimization, Regulatory Requirements, Training

Industry

Financial Services

Description

Title: Associate Location: Bangalore Role overview: As an Associate in Payment Operations, you manage card issuance, activation, and reconciliation processes while ensuring compliance and fraud monitoring. You collaborate with cross-functional teams to optimize workflows, support customers, and drive process improvements. Strong analytical skills and knowledge of card operations are essential. How you will create impact: Responsibilities: Manage card issuance and activation processes, including coordinating with card vendors, ensuring accurate card inventory management, and facilitating card delivery to customers. Monitor and review card transactions for fraudulent activity or irregularities, promptly investigating and resolving any issues in compliance with company policies and regulatory requirements. Collaborate with cross-functional teams, including customer service, fraud prevention, and IT, to enhance card program efficiency and effectiveness. Maintain up-to-date knowledge of card industry trends, regulations, and best practices, implementing necessary changes to policies and procedures as needed. Provide support to customers and internal stakeholders regarding card-related inquiries, issues, and escalations, delivering high-quality service and timely resolutions. Generate reports and metrics related to card operations performance, analysing data to identify areas for improvement and implementing corrective actions. Ensure adherence to compliance standards and regulations, such as PCI DSS and KYC/AML requirements, by implementing robust controls and conducting regular audits. Develop and document card operations procedures and workflows, ensuring consistency and efficiency in processes across the organization. Serve as a subject matter expert on card operations, providing training and guidance to team members and other departments as necessary. Responsible to manage entire reconciliation for Card loading, Network settlements and Accounting Ledgers. Proactively identify opportunities for process optimization, automation, and cost reduction within card operations, driving continuous improvement initiatives. Essential qualifications: Bachelor's degree in business administration, finance, or a related field. 0-3 years of experience in card operations, card services, or a similar role within the financial services industry. Proficiency in card processing systems and software, such as card management systems (CMS) and transaction processing platforms. Excellent analytical, problem-solving, and decision-making skills. Effective communication and interpersonal skills, with the ability to collaborate with cross-functional teams. Detail-oriented with a focus on accuracy and quality. Ability to manage team & multiple priorities in a fast-paced environment. Certification in card operations or related fields and knowledge on network settlement (e.g., Certified Card Operations Professional) is a plus. Why TerraPay: TerraPay is a global money movement player on a mission to build a borderless financial world. We believe payments should be instant, reliable, transparent, seamless, and fully compliant. Registered and regulated across 31 global markets, we are a leading payments partner for banks, mobile wallets, money transfer operators, merchants, and financial institutions. We are proud to be a twice-certified Great Place to Work and were featured in the 2023 CB Insights Fintech 100 and the 2024 Financial Times 1000 lists. Our culture & core values: At TerraPay, we don’t just talk about our values—we live by them. Humility, ownership & responsibility, entrepreneurship, global citizenship, and trusting empowerment are the principles that guide everything we do. If you’re looking for a career that offers abundant opportunities for innovation and a culture of excellence, TerraPay is the place to be. With comprehensive healthcare benefits, cab facilities for our India-based employees, and a generous leave policy, we’ve got you covered. Join us in one of our 10 offices worldwide and collaborate with a diverse team representing 40+ nationalities.

Responsibilities

Manage card issuance, activation, and reconciliation processes while ensuring compliance and fraud monitoring. Collaborate with cross-functional teams to optimize workflows and support customers.