Payments Analyst

InterPayments is a San Francisco, CA-based, FinTech SaaS company sitting at the exciting intersection of payments and data intelligence. Our Mission is to empower merchants and the software vendors they use to lower payment processing costs. We create innovative data services that Fortune 1000 companies rely upon to lower fees by putting payments in competition on every swipe.  

We empower dedicated team-first individuals who are driven to solve problems to foster innovation, perform at their highest potential, and make a meaningful impact - while creating meaningful relationships along the way.

Location 

Although this will be a remote, home office-based role, you must be based in Atlanta, GA in order to meet in person on a semi-frequent basis with your manager, the VP of Product and Delivery. 

Role and Purpose 

You convert our customers’ goals into reality. You kickstart a merchant’s fee recovery plan. Merchants must understand their processing rates to do something about them. Unfortunately, this is a difficult task for merchants for two key reasons. First, there are millions of different cards and interchange/assessment fees unique to each card. Second, this analysis is typically not a core function or expertise within a merchant. You own the analysis and the implementation of their processing rates so the merchant can save fees – and have visibility into what they’ll save. 

You want to make an impact. You are motivated by our mission. You want to make an impact. You enjoy the fact that helping merchants and partners requires wearing multiple hats. You provide input into improving our existing processes. Existing and prospective merchants and partners will use your analyses to make informed decisions into how their businesses can use those savings. This is a high impact role requiring close collaboration across Sales, Product, Engineering, Customer Success, and Customer Support. 

You value building trust and long-lasting relationships. You enjoy being a consultant to customers, partners, and internal teams. You are deeply motivated by creating mutual success. You find satisfaction turning a customer's uncertainty or anxiety into relief. You relish the challenge of not knowing an answer but working to find one. You are a trustworthy and dependable advocate. People know they can rely upon you. 

You’ll make our company better. You’ll have key input into how we engage with our customers. You’ll uncover insights about how we should interact with customers and how our products can improve. You’ll be part of a collaborative team that’s most interested in building great new things that solve merchant and partner problems. 

How you’ll make an impact 

  • Processing statement analysis: Analyzing processing statements in great detail, using both your own insights and training our Artificial Intelligence tools to leverage yourself into more value-add data analysis and product improvements. 
  • Data Analysis. You’ll deliver gold standard responsiveness and consultative meetings that are honest and results oriented. 
  • Supporting Product Teams: As you bridge the gap between customer needs and our product/technology side, you’ll understand our products extremely well. You will understand how customers perceive and use them. You’ll use those unique insights to help drive product innovation and roadmap. 
  • Cross-Functional Collaboration: Work closely with external customers and partners along with internal sales, product, engineering, and other teams to drive customer and company goals while nurturing a collaborative environment. 

Requirements 

  • Bachelor's degree 
  • 2+ years accounting or financial analysis experience 
  • Extreme attention to detail and a growth mindset 
  • Self-starter, independent driver who can execute with minimal supervision, balance multiple activities simultaneously, and achieve deadlines 
  • Responsible & accountable. If you say you will do it, you do it 
  • Experimental with new strategies and technologies (including AI) to improve impact 
  • Clear and decisive written and verbal communication skills 
  • Proven ability to work cross functionally with internal stakeholders and external vendors 

 

Nice to Have’s 

  • Previous start-up experience 
  • Management consulting or payments experience 

Who you are 

You strive to uncover complex problems and find great personal and professional fulfillment in solving them. You can put yourself into the mindset of a customer to uncover problems before an actual customer does. In addition, you are: 

· Team-oriented: You believe shared success and individual advancement go hand-in-hand.  We share your values.  You thrive in an inclusive, collaborative environment and hold yourself and your teammates accountable    You step up and step in when your team needs you.   

· Impact-driven: You find deep meaning and satisfaction in making an impact.  You are self-aware about what motivates you and what instills passion.  You take pride in being trusted to deliver results for your team.  You embrace a growth-mindset.  You reframe setbacks as gifted opportunities to improve.  In short, you’re a polite, ethical hustler.  

· Structured decision maker: you believe progress is rooted in a focused effort.  To know how to focus, you work hard to understand the root cause and listen to different points of view.  You prefer investigating to being right.  You first identify the core drivers of a problem and work backwards to simplify the solution.  You constantly think about 2nd and 3rd order effects of decisions.  In general, you are optimistically paranoid about what you don’t know.  

 

InterPayments’ Values: 

· Customers and mission first.  The customer is at the heart of everything we do and we have an enormous obligation to help them.  We align our company, team, and individual goals with customer outcomes and our mission.  When making decisions and setting priorities, we always keep our customer’s perspective and our mission in mind.  

· Always build trust.  We focus on the long-term. We treat everyone - existing and prospective teammates, customers, partners, vendors, investors - as if we’ll know and work with them forever.  We assume good intent and empathize.  We’re always ethical, respectful, and honest.  We are responsive, reliable, and trustworthy.  We are loyal and committed to one another, our customers, and our mission.  Nothing is transactional.    

· Do the hard(er) thing.  We reject complacency and embody a growth mindset because it’s more fulfilling.  Being resilient, flexible, and adaptable is challenging.  Seeking and delivering honest feedback is hard.  Embracing open-mindedness, intellectual honesty, and respectful disagreement is tough.  Being relentlessly curious, simplifying complexity, and thinking through 2nd/3rd order effects of decisions takes more work.  Being highly responsive and making data-driven decisions requires more effort.  We choose to do them anyway.  We find reward in pushing ourselves and others beyond our comfort zones. 

Remote pay range
$95,000$105,000 USD

InterPayments’ core values are the building blocks of how we achieve our mission: Obsess about our Customers’ and Partners’ Needs; Be Relentless, Resilient, and Responsive; Collaborate with Teammates, Customers, and Partners; Act with Integrity and Empathy; Outperform your Potential; and Communicate Honestly and Respectfully. 

 
Remote Work Eligibility:
This position is open to candidates who are located in the United States. All remote roles are limited to U.S.- based residents, and the company does not sponsor visas or employ individuals who require work authorization outside of the United States. Only applicants who are legally authorized to work in the U.S. will be considered.

 

InterPayments is an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status, and encourage all qualified applicants to apply.

Mission In the US alone, 5% of merchant revenues are lost to payments costs (that number is 11% in Europe). Transaction cost data is a one-sided market set by banks/card networks against non-collectively organized merchants. This leads to less innovation, higher payments fees, and high switching costs. Our mission is to create a global two-sided market in merchant transaction cost data. A transparent data marketplace will improve innovation and lower costs for both merchants and consumers. To do this, we’ve built a payments data-as-a-service (DaaS) company for merchants. Our core technology real-time calculates a merchant's exact fees on every card transaction before authorization. We combine all the foundational data required to process any card payment, regardless of the payment provider. We are unique because we expose it to merchants prior to processing the payment. This means merchants better understand their transaction costs and do something about them. With us, merchants can finally do simple things they cannot do today: negotiate better processing rates with industry data; easily switch payment providers with limited switching costs; and put payment providers in competition on every transaction. Amazon highlighted this pain point in September 2021: "The cost of accepting card payments continues to be an obstacle to providing the best prices for customers. These costs should be going down over time with innovation and technological advancements...yet, some cards' cost of payments continue to stay high or even rise." About US We're a 100% remote team. We promote supreme trust in one another to achieve our mission of helping merchants. We do whatever it takes to meet deadlines, achieve goals, and obsess over customer needs. At the same time, we ruthlessly prioritize so that our precious, invaluable time is efficiently and flexibly used towards its best use. This includes meaningful work and all the things that make for a meaningful life outside of work.

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Salary
$95,000 – $105,000 per year
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