Who We Are
Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.
Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.
What We're Looking For
We are actively seeking an Operations Associate with a strong understanding of banking operations. In this role, the Operations Associate will be responsible for ensuring that our partners maintain ongoing oversight of their merchants beyond initial underwriting. The Operations Associate will also be responsible for maintaining consistency with established policies and procedures and will assist in ensuring compliance with changes in the Bank’s strategy or LOBs and federal regulations.
Responsibilities:
- Coordinate the operational activities to ensure compliance with all federal and state laws, as well as organizational policies, procedures, and processes, including (but not limited to) those related to, NACHA, The Clearing House, CARD Act, CARD BRAND rules, Regulation E, the Bank Secrecy Act (BSA), Identity Theft Red Flags, and Office of Foreign Assets Control (OFAC) to mitigate any potential legal risks and prevent any unfavorable exposure to the Bank
- Provide support to cross functional teams in reviewing Third Party Agents to identify the opportunities and risks of the business; sets forth a plan for managing the line of business and controlling its risks; and considers the operational integrity as it relates to the Bank’s policies and procedures
- Manage ad hoc project tasks and meet deadlines on project timelines
- Accurately assesses the impact of a critical/major incident and provides communication for distribution to appropriate parties with solutions on how to resolve the incident
- Working knowledge of traditional banking systems, for example: debit and credit card issuing, processing, settlement, ACH, wires, RTP and FedNow
- Conduct reviews and analysis to proactively identify required technical tasks/actions, issues, and risks
- Work with multiple systems to monitor, process, control, confirm and settle all daily transactions with accuracy and ensure successful reconciliation to fulfill banking operations obligations
Qualifications:
- 3+ years of banking, risk, payment, and/or credit card industry experience including experience with Card Brand rules and regulations as they relate to disputes, compliance and oversight
- Experience working with high-risk merchant verticals and enhanced monitoring of higher risk merchant verticals preferred
- Excellent interpersonal and customer service abilities
- Ability to work effectively in a multi-task, high-volume environment
- Able to manage ad hoc project tasks and meet deadlines on project timelines
- Excellent organizational skills
- Strong problem-solving skills
- Ability to learn products /services and apply knowledge
- Excellent oral and written communications skills
- Ability to perform job functions accurately and with attention to detail
- Maintain confidential customer and Bank information in a responsible and secure manner
#LI-AC1 #LI-Hybrid #LI-Onsite
Salary Range: $80,000.00 - $100,000.00
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.
Skills Required
- 3+ years of experience in banking, risk, payments, and/or the credit card industry
- Experience with card brand rules and regulations related to disputes, compliance, and oversight
- Experience working with high-risk merchant verticals and enhanced monitoring of higher-risk merchant verticals
- Strong interpersonal and customer service abilities
- Ability to work effectively in a multitasking, high-volume environment
- Ability to manage ad hoc project tasks and meet project deadlines
- Excellent organizational skills
- Strong problem-solving skills
- Ability to learn products and services and apply knowledge
- Excellent oral and written communication skills
- Accuracy and attention to detail
- Ability to maintain confidential customer and bank information securely and responsibly
Cross River Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Cross River and has not been reviewed or approved by Cross River.
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Healthcare Strength — Company materials state it pays 100% of premiums for medical, dental, and vision for eligible employees and their families, and covers $100,000 life and $100,000 AD&D. Feedback often highlights this employer-paid coverage as a standout element of the package.
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Affordable Benefits — Fully covered health premiums reduce employee out-of-pocket premium costs and increase the perceived value of total compensation. Feedback suggests strong ratings for health, dental, and vision coverage.
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Wellbeing & Lifestyle Benefits — Hybrid flexibility (role/location dependent), wellness budgets in some regions, and HQ amenities like a gym, cafe, shuttle, haircuts, and dry cleaning are highlighted in company materials. Learning and development support, an employee development fund, and volunteer opportunities are also featured.
Cross River Insights
What We Do
Cross River provides technology infrastructure powering the future of financial services. Leveraging a proprietary real-time banking core, Cross River delivers innovative and scalable embedded payments, cards, lending, and crypto solutions to millions of consumers and businesses. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion. Member FDIC.
