Director of Compliance & Payment Operations

Qualia•San Francisco, CA

2d•$18,000 - $210,000•Remote

About The Position

At Qualia, we've built the leading B2B real estate technology that transforms the home buying and selling experience into a simple, secure, and enjoyable process. Our SMB and Enterprise products bring together users from across the real estate ecosystem—homebuyers and sellers, lenders, title and escrow agents, and real estate agents—onto a single shared digital closing platform, providing greater clarity and transparency to real estate transactions. Today, through our business customers across the country, millions of consumers use Qualia to close on homes every year. WHAT YOU'LL WORK ON Qualia is building payment solutions to simplify how money moves in real estate closings. You'll own Compliance and Payment Operations for this program—building the infrastructure, managing vendor & partner relationships, and running a tight operation that minimizes risk while enabling product growth.

Requirements

10+ years in fintech or payments, with 5+ years in compliance or operations leadership
Experience managing banking partner relationships and regulatory oversight
Deep knowledge of ACH and wire payment rails, including NACHA Operating Rules and return risk management
Track record building compliance programs and payment operations in high-growth environments
Operational excellence—you obsess over process quality, edge cases, and getting the details right
Sound judgment in escalation and risk acceptance—you know when to push back and when to find a path forward
Translate complex regulations into actionable business strategies without slowing product velocity
Clear communicator across audiences—banking partners, regulators, executives, and technical teams

Nice To Haves

Vertical SaaS payments, real estate, or proptech experience
CAMS, CRCM, or similar certifications
JD nice to have

Responsibilities

Build and maintain Qualia’s banking & payments compliance management infrastructure—governance, policies, procedures, training, and monitoring
Own partner and vendor relationships—oversight cadence, reporting, examination support, issue resolution, and escalation management
Ensure ongoing compliance with applicable payment regulations (NACHA, Reg E, Reg CC, BSA/AML) and evolve controls as requirements change
Oversee the risk framework for ACH returns, fraud prevention, transaction monitoring, and third-party risk management
Build and lead a payment operations function focused on exception handling, returns management, and issue resolution
Establish clear escalation paths and SLAs for payment issues—ensure problems are identified early, triaged quickly, and resolved cleanly
Monitor transaction quality and fraud signals; work cross-functionally to address root causes and reduce operational risk
Drive continuous improvement in operational metrics—return rates, resolution times, and customer impact
Hire, coach, and lead a lean compliance and payments operations team
Partner with Product and Engineering to embed compliance into new features without slowing velocity
Guide business teams on launching payment solutions with clear guardrails