Merchant Payment Processing Analyst

ABOUT US:

ChowNow’s vision is to become the leading North American platform connecting diners and independent restaurants for at-home dining.  The ChowNow Platform continues to grow its product offerings and bring restaurants and diners closer together. Our marketplace provides commission-free ordering for restaurants nationwide and diners with an ever-growing selection of independent restaurants. Our demand network provides diners with the ability to order where they’re already online, including Google, Yelp, Instagram, Snap, and many others.  And our white-labeled online ordering system provides restaurants with a branded experience for diners on their website and their own iOS and Android apps for a reasonable monthly fee regardless of order volume. To date, we’ve created over 20,000 apps for our restaurant partners – something that’s never been done before in our category. We operate this way because of our belief in being fair, sustainable, and equitable with our restaurant partners, and the same goes for our culture.

Diversity, teamwork, and mutual respect are among our core company values. We pride ourselves on giving our teams plenty of opportunities to make their mark. 

Join us and help ensure ChowNow becomes the diner’s first choice for socially responsible online ordering. Together we can preserve neighborhood flavor, one restaurant at a time. 

About the Position:

We are seeking a talented and analytical Merchant Payment Processing Analyst to join our team. In this role, you will play a crucial part in ensuring the smooth and efficient processing of merchant payments. You will be responsible for monitoring payment processing systems, analyzing payment data, identifying and resolving payment issues, and conducting in-depth analysis of network costs and payment platform fees. You will conduct data analysis and reporting utilizing SQL & Python. You will also have a significant part in optimizing our payment processing systems and implementing enhancements while collaborating with technical team members. 

This position is Remote based. Reports to the Senior Finance Manager; No direct reports

WHAT WE LOVE ABOUT YOU:

You put restaurants first. You deeply understand the importance of local restaurants and put them at the center of everything you do. You aim to help them not only survive but thrive.

You celebrate diversity. You recognize that diversity and inclusivity matter. You’re committed to progress, which means everyone gets the support and resources they need, no matter who they are.  You have an ability to listen to other team members' ideas and can thrive in an environment that embraces individuality. Everyone’s voice counts.

You raise your hand. You consistently go above and beyond what is asked of you. You help your peers accomplish their tasks while also excelling at accomplishing your own. When you have a smart idea, you raise your hand and share it.

You keep reaching. You set clear ambitious goals. You don’t allow yourself to become complacent with where you’re at and what you’ve done, so you seek out new opportunities and challenges.

WHAT SUCCESS LOOKS LIKE: 

• Complete our ChowNow onboarding (Ramp Camp) where you’ll learn the ins and outs about ChowNow and our products 
• Gain a thorough understanding of the payment processing systems and factors impacting processing costs.
• Gain a comprehensive understanding of the end-to-end payment processing workflow, including authorization, settlement, reconciliation, and chargeback management. This will include review of both the process and underlying queries and scripts utilized to accomplish the process.
• Build strong relationships with team members, understand team dynamics, and identify key stakeholders.

• Gain an understanding of the data in the data warehouse and start to create data definitions
• Learn to assess payment data to identify trends, anomalies, and potential error indicators.
• Understand how processing and transactions are reflected on the Profit and Loss statement

• Leverage problem-solving skills to effectively address payment processing challenges and provide timely solutions.
• Develop base reporting around processing and transactions.
• Conduct an in-depth assessment of payment data to identify opportunities for optimization and cost reduction.
• Identify areas for process improvement and propose solutions to enhance efficiency and accuracy.
• Participate in projects related to payment processing system upgrades, new payment methods, or compliance initiatives.

• You have developed strong proficiency over 3+ years of experience in SQL and Python for data analysis and automation.
• 2+ years of experience with payment processing systems and industry standards (e.g., PCI DSS).
• Proven experience in assessing network costs, interchange fees, and payment platform fees.
• Excellent analytical and problem-solving skills with a strong attention to detail and accuracy.
• Excellent written and verbal communication skills.
• Ability to work independently and as part of a team.
• Knowledge of fraud prevention techniques and tools is a plus.
• Experience with Stripe, Adeyn or similar platforms is also a plus.
• Bachelor's degree in Computer Science, Finance, or a related field is preferred.

• Expected Base Salary Range: $84,550 - $93,450
• Ongoing training and growth opportunities.
• A "Best Place to Work" winner multiple times where we focus on creating a great employee experience.
• Rock solid medical, dental, and vision plans.
• Mental Health Coverage - we offer several programs to support your mental health and wellness goals.
• Unlimited Paid Vacation. We expect you to work hard, but still enjoy your personal life
• 7 weeks of baby bonding time for all new parents (within the first year of birth or adoption), 8 Weeks of Paid Pregnancy Leave.
• 401(k) Matching
• Employer-contributing student loan assistance program or continuing education reimbursement program
• Commuter benefits (including Uber Pool).
• Employee Stock Incentive Plan.
• Pet insurance for your fur babies
• Quarterly Industry Events (Women, LGBTQIA+, Diversity, Inclusion).
• Consistent & fair leadership: we’ll share info, set clear goals, show you respect, and treat everyone fairly.
• Enough freedom to spread your wings while still holding you accountable.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. This is not intended to be an exhaustive list of all responsibilities, duties and skills required.

As one of ChowNow’s core values, “Celebrates Diversity”, we are committed to an inclusive and diverse work environment. ChowNow is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status.  We are committed to developing a barrier-free recruitment process and work environment, if you require any accommodation, please let us know at your earliest convenience and we’ll work with you to meet your accessibility needs.

Information Regarding Recruiting Scams: ChowNow does not engage in outreach to prospective candidates by text message about employment opportunities, interviews, or employment offers, and we do not make job offers after only one interview. ChowNow does not ask candidates to submit sensitive personal information (Passport details, banking information, etc.) as part of the interview process. ChowNow employment offers are made by a ChowNow Talent Acquisition team member with a @chownow.com email address only. ChowNow does not ask candidates to provide funds to the company for onboarding, equipment, or supplies. If you receive an employment inquiry or employment offer from a non @chownow.com email address, consider it spam.  

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