Payment Gateways Specialist/ AM

AM/ Specialist – Payment Gateways & Corridors
 

Job Title	Assistant Manager / Specialist – Payment Gateways & Corridors
Department	Operations
Reporting To	Head of Operations / COO
Company Name	ACE Money Transfer
Location	Lahore or Kharian
Employee Type	Full Time
Experience Required	3–5 years in payments, fintech, or remittance operations

Role Overview

ACE Money Transfer is a leading global remittance company operating across multiple corridors with integrations to international payment gateways and local Alternative Payment Methods (APMs). We are looking for a leader to own and drive the performance of our entire payments infrastructure.

This role sits at the intersection of operations, technology, and partnerships. The Assistant Manager / Specialist Payment Gateways & Corridors will be accountable for acceptance rates, gateway uptime, corridor health, and strategic expansion of payment options. This is a high-ownership position requiring deep domain expertise, strong analytical capability, and the ability to influence internal and external stakeholders at all levels.


Key Responsibilities


Gateway & Corridor Performance Management
 

• Own end-to-end acceptance rates across all active corridors and payment gateways; set and enforce minimum acceptance rate thresholds by corridor.
• Proactively monitor gateway performance dashboards in real time; identify and resolve degradation before it impacts customers.
• Conduct deep-dive analysis on transaction decline reasons — issuer declines, network errors, fraud blocks, and routing failures — and implement targeted fixes.
• Maintain a gateway health scorecard covering uptime, success rate, latency, and dispute ratio for each active integration.
• Manage and optimize payment routing logic to maximize success rates and minimize costs across gateways.

Integration & Technical Oversight
 

• Lead integration lifecycle from Operations for new payment gateways and local APMs
• Collaborate with the cross functional teams to ensure robust, smooth gateway integrations with appropriate fallback mechanisms.
• Manage integration documentation, API change logs, and versioning to ensure business continuity during gateway upgrades.
• Evaluate and onboard new payment methods (wallets, real-time bank transfers, cash networks) in target markets to improve customer reach and corridor resilience.
• Define and enforce technical SLAs with gateway and APM partners.

Operations & Incident Management
 

• Act as escalation point for all payment-related issues; lead root cause analysis (RCA) and drive timely resolution with internal and external teams.
• Establish and maintain payment operations monitoring framework with defined escalation paths and response SLAs.
• Develop and maintain incident runbooks and standard operating procedures (SOPs) for common gateway failure scenarios.
• Ensure redundancy across pay-in options in all critical corridors to protect business continuity.
• Oversee settlement processes, reconciliation accuracy, and resolution of transaction discrepancies.

Data, Reporting & Analytics
 

• Design and maintain real-time and daily operational dashboards tracking KPIs: acceptance rate, decline rate by reason, gateway uptime, corridor-level performance, and cost per transaction.
• Produce weekly and monthly performance reports for senior leadership with actionable insights and improvement plans.
• Leverage transaction data to identify trends, seasonality impacts, and corridor-specific risks.
• Lead regular gateway and APM performance reviews with internal stakeholders; chair quarterly business reviews (QBRs) with key payment partners.

Partner & Vendor Management
 

• Serve as the primary operations relationship owner for all payment gateway and APM partners; manage escalations and SLA adherence.
• Negotiate commercial terms, pricing, and service levels with gateway partners to optimize cost and performance.
• Build and maintain a strategic operational pipeline of alternative gateway and APM partners for each corridor to reduce single-point-of-failure risk and work in collaboration with internal stakeholders.

Process Improvement & Automation
 

• Continuously identify and automate manual operational processes to reduce human error and improve scalability.
• Drive implementation of intelligent payment routing, retry logic, and dynamic gateway failover.
• Champion best practices in payments operations across the team; establish structured knowledge management and documentation standards.
• Lead or contribute to strategic projects (e.g., new market launches, major gateway migrations) as directed by leadership.

Compliance & Risk
 

• Work with the compliance team to manage fraud risk, transaction monitoring, and flagged payment resolution.
• Maintain audit trails for payment transactions, workflow changes, and partner communications.

Required Skills & Qualifications
 

Experience	3–5 years in payments operations, fintech, or cross-border remittance
Domain Knowledge	Deep understanding of payment gateway ecosystems, card schemes (Visa/Mastercard), local APMs, real-time payment rails, and remittance corridors is a plus.
Technical Skills	API integrations, REST/JSON, payment gateway dashboards, SQL for data querying, basic understanding of tokenization and 3DS
Analytical Ability	Strong data analysis and reporting skills; ability to translate data into actionable operational decisions
Leadership	Proven ability to manage cross-functional teams and vendor relationships; experience in building and scaling payments operations teams
Compliance Awareness	Working knowledge of AML requirements, and financial regulatory compliance for cross-border payments

ACE Money Transfer Profile: https://acemoneytransfer.com/company-profile