Kabbage, an American Express Company, is setting a new standard in big data and FinTech and we are looking for a Senior Manager - Payments Financial Operations to help us in our mission to help small businesses be mighty.

Acquired by American Express in 2020, Kabbage is a leading FinTech company changing the way small businesses manage their cash flow. Applying automation and real-time data, Kabbage provides small businesses a suite of integrated cash-flow technologies from flexible lines of credit, digital business checking accounts, fast payments and predictive business analytics. Now with the powerful backing of American Express, Kabbage can offer millions of small businesses the opportunity to access digital tools to help them grow bigger, lasting companies. While we've received numerous awards and recognition-such as Entrepreneur's Top Company Cultures, Inc Magazine's Top Private Companies, GlassDoor's Best Places to Work, and Forbes FinTech 50-it is our people, our culture, and our leaders that make Kabbage such a great place to work.

At Kabbage, we strive to be the place where a diverse mix of talented people want to come, to stay, and do their best work. Our commitment to diversity and inclusion is reflected in our people, our partners, and our customers. We are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, national origin and all the other wonderful characteristics that make us different.

You Lead the Way. We've Got Your Back. At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we're supporting our customers' financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what's possible - and we're proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day.

The Senior Manager of Payments Financial Operations will be responsible for supporting the rapid growth of payments capabilities within the broader Kabbage platform. You will use your knowledge of the payments industry to establish, document, and scale financial operations for our merchant acceptance business. This will include identifying problems, communicating with key stakeholders on solutions, designing improvements to the customer settlement experience, and participating in bringing new capabilities to market. By employing a data-driven approach, you will identify the needs of Kabbage customers and deliver innovative solutions.

As a part of Kabbage, you will find opportunities to partner with other innovative product teams to build solutions that reinforce and amplify the overarching customer experience. By collaborating closely with Product Strategy, Development, and Technology teams, you will engage a strong user platform for bringing new payments capabilities to the market. Partnerships with leaders in Marketing, Risk, Operations, Legal, and Compliance will ensure the long-term growth of Kabbage Payments.

In this role, you will:

• Support the execution of the product strategy and product roadmap for Kabbage Payments. This includes meeting the payment processing needs of our small business customers while ensuring the product meets established performance metrics
• Demonstrate strong knowledge of the payment process and the ability to trace the flow of funds between the Kabbage payment facilitation platform and all processing partners
• Leverage data driven approaches to improve the settlement and funding experience of customers
• Engage in resolving exception events, including the chargeback and retrieval process
• Independently assess the financial operational risk of new products and product improvement
• Manage corrective action and process risk self-assessment efforts, identifying opportunities for improvements through process simplification and closure
• Support cross-functional collaboration with key internal partners to ensure performance meets established legal, regulatory, and risk requirements
• Engage with third party relationships related to the payment processing

Qualifications

• 5+ years of experience in payments operations
• Experience in payment facilitation and payments processing preferred
• Experience working in cross-functional teams including business and technology teams
• Expertise in working with technology enabled business processes, with an understanding of the associated opportunities and risks
• Self-starter and solutions-driven, with a willingness to learn and adapt to new responsibilities

• Excellent written and verbal communications skills with experience and comfort working closely with all levels of the organization
• Bachelor's degree with work experience in payments acquiring/payments processing

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

If the role you are applying for is designated as hybrid or onsite, you will be required to demonstrate that you have completed your primary COVID-19 vaccination series (i.e., 2 doses for Moderna/Pfizer and 1 dose for J&J) in order to work in or visit any of our offices. This requirement is subject to legally required accommodations.

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.