Senior Compliance & Payment Operations Analyst

Qualia•San Francisco, CA

18h•$120,000 - $130,000•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 support our Compliance and Payment Operations function—supporting day-to-day payment execution, transaction monitoring, and issue resolution—while helping scale compliant, repeatable processes as the business grows. You’ll work closely with Compliance, Operations, Product, Engineering, Customer Support, and the sponsor-bank partner to ensure payment activity is executed in accordance with regulatory requirements, network rules, and internal controls. Additionally, you will have a role in building out a Compliance and Payment Operations function in close collaboration with the Director of Compliance.

Requirements

4–6 years in payment, compliance, or risk operations (fintech or banking preferred)
Direct experience with sponsor bank programs or embedded payments
Familiarity with all major payment rails (ACH, wire, instant payments)
Working knowledge of NACHA Operating Rules, ACH return processes, and return-rate risk management
Demonstrated track record of increasing responsibilities within a Payments Operations/Compliance role
Comfortable working in ambiguous, fast-changing environments
Detail-obsessed—you catch errors others miss
Clear communicator who documents thoroughly and escalates appropriately
Problem-solver who takes ownership of issues through resolution
Comfortable learning new regulations and translating them into daily workflows

Nice To Haves

Real estate, proptech, or vertical SaaS experience
Exposure to audits, bank exams, or sponsor-bank oversight processes
Experience in managing a team

Responsibilities

Support our Compliance Management System (CMS) for embedded payments focused on governance, oversight, and operational execution
Help build and manage a future team of Payment Operations Analysts
Monitor payments activity across rails for ACH returns, transaction anomalies, and potential fraud, escalating issues in accordance with established procedures
Handle any escalations related to customer onboarding, liaise with sponsor bank, and address them within SLA
Own daily payment operations workflows, including exception handling, returns management, and issue tracking
Assist with internal and external audits by gathering evidence, validating controls, and ensuring adherence to documented policies and procedures
Ensure compliance with NACHA Operating Rules, Reg E, BSA/AML requirements, consumer protection obligations, and sponsor bank requirements
Resolve L2/L3 complaints in coordination with Customer Support
Oversee onboarding workflows and resolve any escalations
Track and report on key operational and risk metrics, including ACH return rates, exception volumes, resolution timelines, and error trends.
Analyze operational data to identify failure points or control gaps; partner with Product and Engineering to automate manual workflows and reduce transaction failure rates.
Help draft and update Standard Operating Procedures (SOPs) for payment flows, onboarding due diligence, and risk assessments.
Document edge cases and contribute to the team's knowledge base.
Provide operational and compliance input for new payment features, rail expansions, and product launches.