Payment Operations & KYC Manager – North America

Location: Denver, CO (Remote)

Department: Payments / Operations

Reports to: Payment Operations Sr. Manager

About Traild

Traild is a high-growth SaaS company that streamlines, automates, and protects Accounts Payable. Just as your bank provides always-on risk protection for your credit card, Traild provides a similar level of security to help businesses protect their B2B payments from fraud, errors, and mistakes.

Our specialized Accounts Payable software integrates with leading ERP systems like SYSPRO, Acumatica, MYOB, and IFS to help clients make their AP processes more streamlined, automated, and secure.

With a rapidly growing client base, you're joining Traild at an exciting time. This is an opportunity to make a real impact and with your help, we can support more businesses in digitizing their operations with enhanced automation and security.

The Role

We're looking for a strategic and operationally sharp Payment Operations & KYC Manager to sit at the intersection of payments execution and compliance. Reporting to the Payment Operations Sr. Manager, you will own both the day-to-day health of our payment operations and the integrity of our KYC program as we scale across the United States and Canada.

This is a high-impact senior role based in AMER, bringing critical time zone alignment to a function that demands real-time responsiveness. You will work closely with our US-based operations team and play a key role in building the operational foundation for Traild Pay's next phase of growth.

Key Responsibilities

Payment Operations & Execution

• Own day-to-day payment operations across domestic and international payment rails, including Check, ACH, Wire, RTP, SWIFT, SEPA, and local clearing systems, as well as virtual card programs.

• Monitor transaction flows, settlement timelines, prefunding, and partner SLAs across multiple PSPs and issuing banks.

• Manage operational processes for payment failures, retries, reversals, chargebacks, and settlement exceptions across all rails.

KYC / KYB & Onboarding (US & Canada)

• Lead customer and entity onboarding across US and Canadian clients, ensuring KYC/KYB requirements are met for all entities and bank accounts.

• Own workflows for beneficial ownership collection, business verification, and risk classification.

• Ensure onboarding aligns with sponsor bank, PSP, and regulatory requirements across North America.

Risk, Controls & Compliance

• Act as the operational point of contact for AML reviews, sanctions screening, OFAC-related escalations, and suspicious activity triggers.

• Support licensing ambitions and bank sponsor relationships by ensuring KYC/AML policies, procedures, and controls are audit-ready and scalable.

• Maintain documentation for onboarding, payments execution, and risk procedures, and support audits, partner reviews, and compliance reporting as required.

Act as the US Operations Anchor

• Serve as the senior point of contact for payment and compliance matters during US business hours, providing critical time zone coverage for the team.

• Build and maintain strong cross-functional relationships with Finance, Legal, Product, and Engineering to support payment product expansion and ensure operational requirements are reflected in roadmap decisions.

Partner & Banking Partner Performance Management

• Manage operational relationships with North American PSPs, sponsor banks, card issuers, and compliance vendors.

• Coordinate escalations, incident management, and SLA performance tracking.

• Support new partner launches and payment rail expansions across the region.

Operational Excellence & Scale

• Identify inefficiencies across payments and onboarding flows and drive automation and process improvements.

• Define and track KPIs tied to customer/transaction-to-FTE ratios, operational efficiency, and KYC throughput and quality.

• Build scalable playbooks to support increasing transaction volumes across North America.

Reporting & Leadership

• Maintain reporting across payment volumes, exception rates, onboarding pipelines, and compliance KPIs.

• Provide insights to leadership on partner performance, operational risks, and growth constraints.

• Manage and mentor a small payment operations team to start while supporting in the growth of headcount.

Qualifications & Experience

• 8+ years of experience in payment operations, fintech compliance, or a combined KYC/AML and payments role.

• Strong working knowledge of US payment rails (Check, ACH, Wire, card networks, RTP preferred).

• Deep familiarity with KYC/AML regulatory requirements in the US, including BSA, FinCEN guidance, and OFAC screening.

• Experience managing or owning KYC/KYB onboarding processes, including document verification and beneficial ownership requirements.

• Proven ability to manage operational escalations, exception handling, and time-sensitive incident resolution.

• Experience working with PSPs, sponsor banks, compliance providers, or payment processing platforms.

• Strong attention to detail and structured problem-solving skills.

• Excellent written and verbal communication skills, comfortable working cross-functionally with Product, Engineering, Compliance, and Customer Success.

• Comfortable operating in a fast-moving, ambiguous environment where the playbook is still being written.

Nice to Have

• Experience supporting or preparing for money transmitter licensing, bank sponsor relationships, or regulatory audits.

• Familiarity with tools such as Excel/Google Sheets, SQL, Looker, Omni, Tableau, or similar reporting systems.

• Experience working in B2B payments, accounts payable automation, or ERP-integrated payment environments.

• Experience scaling operational processes in a startup or high-growth fintech.

What Success Looks Like

• Payments are executed smoothly and consistently within SLA, with clear visibility and tracking.

• KYC/KYB onboarding is efficient, compliant, and scalable as volume grows.

• Exceptions and failures are handled quickly, with root-cause improvements implemented.

• Strong partner relationships are maintained with clear operational cadence and escalation paths.

• Traild Pay operations become increasingly automated, measurable, and audit-ready.

Perks of Working at Traild

• Remote-first flexibility with options for remote, hybrid, or custom setups.

• A culture people genuinely love — Traild scored 85 on the 2025 eNPS survey.

Regular company events including team dinners, Pilates sessions, and bakery runs.