Senior Compliance & Payment Operations Analyst

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. 

RESPONSIBILITIES

Compliance & Risk Management

• 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 

Process Improvement & Growth

• 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. 

YOUR BACKGROUND THAT LIKELY MAKES YOU A MATCH

Must-Haves

• 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

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 

Key Competencies

• 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        

While this role is based in San Francisco, California, we're open to exploring remote possibilities for qualified candidates.

This role has a base annual salary of $120,000-$130,000 plus a competitive equity and benefits package. (Salary to be determined by relevant experience, location, knowledge, and skills of the applicant, internal equity, and alignment with market data.)

WHY QUALIA