Payment Operations Manager

ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the infrastructure to move value seamlessly. We’re still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If you’re excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.

• Own the Payments Lifecycle: Run end-to-end global payment operations as well as crypto settlement, bridging, and custodian movements.

• Execute Accounts Payable & Payroll: Prepare, review, and release accounts payable runs and payroll disbursements across entities.

• Strengthen Crypto Controls: Oversee hot/cold wallet movements, whitelisting, pre-sign review, chain-to-ledger reconciliation, and on-chain parity checks; treat crypto with the same rigour as a regulated fiat .

• Reconcile & Resolve Exceptions: Monitor queues across rails, investigate failed and stuck transactions, resolve breaks between rail ↔ ledger ↔ custodian ↔ bank, and enforce cut-off discipline.

• Improve the Internal Treasury System: Act as the operational voice shaping our in-house Treasury payment tooling - requirements, UAT, business readiness, and change control, partnering with product and engineering.

• Oversee Automated Flows: Monitor payment provider integrations, catch drift early, and prioritise the automation backlog with engineering.

• Govern Procedures: Own procedure documentation, periodic reviews, and change control so controls stay current with regulatory and business change.

• Report & Measure: Produce operational reports on settlement timeliness, funding utilisation, break rates, and control effectiveness; surface insights that drive decisions.

• Escalate & Investigate: Spot risk early, escalate promptly to contain loss, and lead post-incident reviews with clear root cause and durable fixes.

• Partner Cross-Functionally: Be the first point of contact for business, technology, risk, compliance, and finance; align stakeholders and drive timely resolution.

What You'll Need

• 3+ years in payments operations, treasury operations, or settlements at a bank, fintech, exchange, or payments provider.

• Strong working knowledge of fiat payment rails and the operational mechanics of reconciliation, exception handling, and cut-offs

• Sharp control instincts: you've owned procedure documents, change control, and audit-ready evidence, and you can spot a weak control from a mile away.

• Experience executing accounts payable and / or payroll disbursements at scale, including multi-entity and multi-currency flows.

• High attention to detail and accuracy in processing, reconciliation, and control activities.

• Track record of delivering automation and process re-engineering that measurably improved speed, accuracy, or scalability

Nice to Have

• Direct experience operating LATAM rails (SPEI, PIX, PSE, CBU) inside a regulated entity

• Hands-on experience with crypto operations - custody, wallet movements, bridging, chain rebalancing, and on-chain reconciliation with a security-first mindset

• Experience with a Treasury Management System and / or building an in-house equivalent

• SQL for querying payment, ledger, and operational data - you don't wait for someone else to pull the numbers

• Spanish and/or Portuguese proficiency

• Competitive salary

• Sign-on stock options bonus, so you become part of the success of the company

• Discretionary performance bonus (stock options+cash)

• Paid annual leave

• Latest technology to work with

• Strong team that will help you improve your skills

• Office Policy: 3-4 days a week in-office