Payment Operations Manager

Cobo is a trusted leader in digital asset custody and wallet infrastructure solutions. Founded in 2017 by blockchain pioneers, Cobo is trusted by more than 500 organizations worldwide, safeguarding billions of dollars in assets with a zero-incident security track record.

Today, Cobo provides the industry's only unified digital asset wallet platform that integrates all 4 wallet technologies in one place – Custodial Wallets, MPC Wallets, Smart Contract Wallets, and Exchange Wallets. By combining a comprehensive suite of wallet solutions with advanced risk controls and developer tools, Cobo empowers organizations and developers to innovate and scale with ease.

Job Overview:

We are looking for a highly driven Payment Operations Manager to design, implement, and manage end-to-end payment and operational workflows. This role sits at the intersection of Product, Sales, Compliance, and external partners, ensuring scalable, compliant, and well-documented payment operations across markets. The ideal candidate has strong experience in workflow design, operational execution, and stakeholder coordination.

Job Responsibilities:

Workflow Design

• Design and implement new product, settlement and operational flows (eg. escrow, conditional release, settlement workflows).
• Implement operational controls in line with internal SOPs and regulatory standards

Documentation & Process Enablement

• Create and maintain process documentation, including SOPs, client/partner flowcharts, and FAQ sheets.
• Support partner onboarding by preparing operational write-ups and flow diagrams.

Operational Execution

• Coordinate with Compliance to ensure workflows meet KYC/AML standards, transaction monitoring requirements, and internal policies.
• Implement internal controls to support compliant and secure operations (e.g. transaction thresholds, manual review triggers).

Bank and Partner Support

• Manage onboarding process and prepare relevant due diligence documents for bank and partner onboarding (KYC/KYB, product write-ups, flow diagrams)
• Coordinate and respond to queries from external stakeholders (eg. bank, partners) and internal stakeholders (eg. legal and compliance) clearly and promptly

Reporting & Controls

• Maintain oversight of payment flows and escalate red flags to the compliance team promptly

Job Requirements:

• At least 4 – 8+ years of experience in payment operations, program management, payment, fintech or regulated financial services.
• Hands-on experience designing and managing payment, settlement, or fund flow workflows.
• Strong understanding of KYC/AML principles, transaction monitoring, and operational controls.
• Experience working with banks, payment partners, or financial institutions on onboarding and due diligence processes.
• Strong cross-functional collaboration skills; comfortable working with Product, Sales, Compliance, Legal, and external partners.
• Excellent written and verbal communication skills, with the ability to explain complex workflows clearly.
• Highly organised, detail-oriented, and able to manage multiple initiatives in parallel.