Payment Operations Manager

Job Description: 

Payments Operations Manager

About The Role

Constellation Payment Processing is a modern Payment Facilitator (PayFac) empowering SaaS businesses to grow revenue through seamless, embedded payments. As part of Constellation Software Inc. (CSI) — a global Canadian-based software leader — we combine the agility of a specialized payments provider with the stability of a global enterprise.

As a Payments Operations Manager, you will oversee the teams responsible for Merchant Onboarding, Risk Operations, and Underwriting. This leadership role requires strong operational expertise, sound judgment, and a passion for scaling processes that balance merchant experience with responsible risk management.

What You’ll Do

• Lead, mentor, and develop the Onboarding, Risk, and Underwriting teams to ensure high performance and continuous professional growth.
• Oversee the full merchant onboarding lifecycle, including application intake, verification, documentation, and activation.
• Manage underwriting operations, ensuring timely and accurate risk assessments, consistent application of approval guidelines, and appropriate escalation practices.
• Monitor portfolio risk by analyzing behavior, transaction trends, and early warning indicators to identify and mitigate potential exposure.
• Establish, refine, and enforce risk policies aligned with industry standards, regulatory requirements, and card brand rules.
• Collaborate with Legal, Compliance, Product, Engineering, and Support to streamline workflows and resolve escalations.
• Optimize operational efficiency by identifying bottlenecks, recommending improvements, and implementing automation where appropriate.
• Ensure high-quality data management, accurate reporting, and visibility into operational KPIs for leadership.
• Participate in initiatives related to fraud prevention, compliance, and PayFac regulatory obligations.
• Support system enhancements, including evaluating tools and partnering with Product/Engineering on requirements and testing.
• Willingness to travel for work assignments and maintain a valid passport.
• Participate in after-hours on-call rotation as required by leadership.

Basic Qualifications

• Strong understanding of payment processing, merchant onboarding workflows, and risk evaluation principles.
• Familiarity with KYC/KYB, AML, OFAC/sanctions screening, and PCI compliance.
• Excellent written and verbal communication skills with strong analytical and problem‑solving abilities.
• Ability to manage multiple priorities in a fast‑paced environment.
• Proficiency with CRMs, risk tools, and operational workflow systems.
• Knowledge of payment fee structures (interchange, assessments, pricing models, surcharging, PayFac fee models).

Preferred Qualifications

• 3–5+ years of experience in payments, merchant acquiring, PayFac operations, or fintech.
• Experience managing underwriting, risk, or onboarding teams.
• Strong understanding of payment workflows (authorization, settlement, chargebacks).
• Experience with strategic planning, process optimization, and operational scaling.
• Familiarity with leveraging AI‑based tools to improve workflows and decision‑making.

Equal Opportunity & Legal Disclosures

Constellation Payments is an Equal Opportunity Employer and does not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
This position does not offer visa sponsorship. Applicants must already have existing authorization to work in the United States.

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More About Jonas Software:

Jonas Software is a leading provider of enterprise management software solutions, serving a wide range of vertical markets including hospitality, healthcare, construction, education, personal care, fitness, leisure, moving and legal services, to name a few. Within these markets, Jonas is comprised of over 65 distinct brands, each a respected leader in its domain.

Jonas’ vision is to be the branded global leader across these verticals and to be recognized by customers and industry stakeholders as the trusted provider of “Software for Life.” We are committed to technology, product innovation, quality, and exceptional customer service.

Jonas Software supports over 60,000 customers in more than 30 countries. We employ over 6,000 skilled professionals, including industry experts and technology specialists. Across our broader network, we support a global workforce of more than 30,000 employees.

Headquartered in Canada, Jonas Software has a global footprint with offices around the world. We’re a 100% owned subsidiary of Constellation Software Inc., based in Toronto, publicly listed on the TSX (CSU.TO), and a member of the S&P/TSX 60 Index.