Remote Residual Data Analyst (Payments)

Description:

• The Residual Data Analyst will be responsible for analyzing, calculating, and validating residual partner payments, referral fees, and other revenue-sharing obligations across the ecosystem of ISVs and referral partners.
• This role requires deep expertise in the payments industry, strong data science and analytical skills, and the ability to navigate complex partner agreements and transaction datasets.
• The ideal candidate will ensure accurate, timely, and transparent reporting and payment processes that strengthen partner relationships and support the integrity of financial operations.
• Key responsibilities include analyzing and calculating monthly residual payments, referral commissions, and partner fees based on transaction data, fee structures, and partner agreements.
• The analyst will extract, transform, and analyze large datasets from payment processors and internal databases to ensure the integrity of financial calculations.
• The role involves building advanced Excel workbooks, including complex formulas, macros, and dynamic dashboards to automate residual calculations and reporting processes.
• The analyst will develop and maintain partner-facing and internal dashboards using Tableau, Power BI, or similar tools to provide clear insights into residual payments, partner performance, and financial trends.
• Generating detailed partner statements and troubleshooting inquiries related to residual payments, referral fees, and program performance is also part of the job.
• The analyst will interpret and operationalize partner agreements, applying complex fee splits, bonuses, thresholds, and adjustments accurately within reporting models.
• Continuous improvement of automation and scalability of residual processes, reducing manual intervention while maintaining data accuracy and auditability is expected.
• The role requires cross-functional collaboration with Finance, Business Development, Legal, and Operations teams to ensure residual processes align with broader financial and contractual frameworks.

Requirements:

• A Bachelor’s degree in Statistics, Mathematics, Business/Economics, or a related field is required.
• The candidate must have 3+ years of experience in the payments industry, preferably with a processor, ISO, ISV, or FinTech.
• Expert-level Excel skills, including advanced formulas, pivot tables, macros, and data validation tools, are necessary.
• Proficiency in database querying and transaction-level data analysis is required.
• A deep understanding of payment processing structures, passthrough billing, absorbed billing, interchange-plus pricing, BIN sponsorship models, and residual payment streams is essential.
• Strong analytical, organizational, and problem-solving skills with excellent attention to detail are required.
• The ability to translate complex contract terms into accurate, scalable financial models and reports is necessary.
• Strong communication skills with the ability to explain technical and financial details clearly are required.
• The candidate must be self-motivated, highly organized, and capable of managing multiple priorities in a fast-paced environment.
• Preferred qualifications include prior experience building or managing a residuals management platform or automated reporting module, strong experience with data visualization platforms (e.g., Tableau, Power BI), familiarity with API-based data extraction and integration methods, and a background in working with acquirers, payment gateways, merchant reporting systems, or embedded finance ecosystems.
• Experience supporting partner operations or revenue accounting functions in a growing company environment is preferred.
• Fluency in Spanish is preferred.

Benefits:

• The position offers a competitive base salary and strong upside potential.
• Stock options are available with the potential to unlock more equity as the company grows.
• Flexible PTO and paid parental leave are provided.
• Medical, dental, and vision insurance are included.
• A 401K, HSA, and pre-tax savings programs are offered.
• The option to work fully remote or in a hybrid model is available.
• A monthly education fund is provided to spend on anything that enhances skills or helps achieve passion goals.