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Qualia Logo Qualia · Finance

Senior Compliance & Payment Operations Analyst

United States, Austin · Job Posted April 24, 2026
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Job Description

Qualia is building payment solutions to simplify how money moves in real estate closings. You'll support our Compliance and Payment Operations function—supporting day-to-day payment execution, transaction monitoring, and issue resolution—while helping scale compliant, repeatable processes as the business grows. You'll work closely with Compliance, Operations, Product, Engineering, Customer Support, and the sponsor-bank partner to ensure payment activity is executed in accordance with regulatory requirements, network rules, and internal controls.

Job Responsibility

  • Support our Compliance Management System (CMS) for embedded payments focused on governance, oversight, and operational execution
  • Monitor payments activity across rails for ACH returns, transaction anomalies, and potential fraud, escalating issues in accordance with established procedures
  • Handle any escalations related to customer onboarding, liaise with sponsor bank and address them within SLA
  • Own daily payment operations workflows, including exception handling, returns management, and issue tracking
  • Assist with internal and external audits by gathering evidence, validating controls, and ensuring adherence to documented policies and procedures
  • Ensure compliance with NACHA Operating Rules, Reg E, BSA/AML requirements, consumer protection obligations, and sponsor bank requirements
  • Resolve L2/L3 complaints in coordination with Customer Support
  • Oversee onboarding workflows and resolve any escalations
  • Track and report on key operational and risk metrics, including ACH return rates, exception volumes, resolution timelines, and error trends
  • Analyze operational data to identify failure points or control gaps
  • partner with Product and Engineering to automate manual workflows and reduce transaction failure rates
  • Help draft and update Standard Operating Procedures (SOPs) for payment flows, onboarding due diligence, and risk assessments
  • Document edge cases and contribute to the team's knowledge base
  • Provide operational and compliance input for new payment features, rail expansions, and product launches

Requirements

  • 3-4 years in payment, compliance, or risk operations (fintech or banking preferred)
  • Direct experience with sponsor bank programs or embedded payments
  • Familiarity with all major payment rails (ACH, wire, instant payments)
  • Working knowledge of NACHA Operating Rules, ACH return processes, and return-rate risk management

Nice to have

  • Real estate, proptech, or vertical SaaS experience
  • Exposure to audits, bank exams, or sponsor-bank oversight processes

What we offer

  • Comprehensive health plans
  • 401k program
  • Commuter benefits
  • Professional development
  • Parental leave
  • Flexible time off policy
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