Financial Operations Analyst

Grid•Seattle, WA

1d•$70,000 - $100,000

About The Position

About Grid Today’s financial system is built to favor those with money. Grid’s mission is to level that playing field by building financial products that help users better manage their financial future. The Grid app lets users access cash, build credit, spend money, optimize their taxes, and lots, lots more. Grid is a fast-growing team that’s deeply passionate about making a difference in the lives of millions. We’re solving huge problems and believe that every team member has a big role to play. Come join our growing team in our brand new Seattle office! The Role We are hiring our first dedicated Financial Operations professional. You will own reconciliation from day one, building the processes, controls, and tooling that ensure every dollar moving through our platform is accounted for. From there, you will expand into payment operations, treasury, collections, disputes, and financial reporting as the company scales. This role is equal parts hands-on executor and process builder. You will not inherit a playbook. You will write it. The right person is a seasoned individual contributor who is energized by ownership, comfortable operating without a team beneath them, and ready to grow with the function. The Team We're focused on serving our users above all else all while building a robust business. To this end, Grid's team members experience high levels of autonomy and ownership, and as a company we value curiosity, learning and growth. At Grid, you'll be surrounded by a team that is motivated, mission-driven and pragmatic.

Requirements

3 to 5 years in financial operations, payments operations, or accounting at a fintech, bank, or payments company
Hands-on experience reconciling high-volume transaction data across multiple payment rails
Strong command of Excel and Google Sheets, with comfort querying data in SQL as a significant plus
Ability to independently investigate discrepancies and see them through to resolution
Process-builder mindset. You are not just comfortable with ambiguity, you thrive when handed a blank page
Clear communicator who can translate operational issues into crisp summaries for finance and leadership stakeholders
You take ownership seriously. If something is broken, you fix it and then figure out how to prevent it from breaking again
You are comfortable being the only person in the room with your domain expertise and can make sound judgment calls independently
Startup experience or demonstrated comfort in resource-constrained, high-growth environments

Nice To Haves

Familiarity with consumer lending or cash advance products is a strong plus
Experience working directly with payment processors, ACH networks, and bank partners
Exposure to consumer dispute handling (Reg E, chargebacks, unauthorized returns) is a plus

Responsibilities

Reconcile internal ledger records against payment processor statements, bank partner records, and ACH processor reports on a daily and monthly basis
Identify, investigate, and resolve breaks across disbursement and repayment flows, including ACH and card
Build scalable reconciliation processes and controls, including documentation, exception workflows, and tooling
Partner with Engineering to ensure transaction data integrity and support ledger design decisions
Monitor outbound disbursement and inbound repayment volumes, success rates, and failure trends across all payment rails
Own exception handling for failed, reversed, or disputed transactions
Serve as the day-to-day operational point of contact with payment processors and our bank partner
Support network compliance monitoring, track fines or penalties, and coordinate on escalations with external partners
Monitor the automated repayment lifecycle and flag exceptions that require manual intervention
Track and manage charge-off processes
Coordinate with third-party collection partners as needed
Work with Engineering and Risk to improve repayment success rates over time
Manage the end-to-end process for Reg E dispute obligations, including intake, investigation, and resolution within regulatory timelines
Handle ACH unauthorized return defense and card network chargebacks
Maintain documentation and reporting to support audit and compliance requirements
Track and manage the daily cash position across funding accounts
Monitor reserve obligations and funding account balances
Contribute to liquidity forecasting as advance volume grows
Support future credit facility draws and related reporting as the capital structure evolves
Support month-end close processes and general ledger maintenance
Contribute to financial reporting for bank partners, investors, and the board of directors
Assist with revenue recognition and loss provisioning (CECL) as the accounting function matures
Serve as the primary operational contact for key vendors and partners, including our bank partner, payment processors, ACH provider, identity verification provider, and bank linking provider
Manage day-to-day relationship logistics, including issue escalation, reporting requirements, and contract obligations
Coordinate across vendors when transaction issues span multiple providers