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Card Operations Manager

Rain Technologies, Inc.

Job Overview

Location

New York, NY

Job Type

Full-time

Full Job Description

📋 Description

• As a Card Operations Manager at Rain Technologies, Inc., you will be instrumental in ensuring the seamless and compliant operation of our physical card programs. This pivotal role sits at the nexus of our internal operations, external partners, and the end-user experience, directly contributing to Rain's mission of making the next generation of payments globally accessible and efficient. You will be the linchpin in managing the complex workflows and stringent compliance requirements that underpin our card issuance and management processes, ensuring that every cardholder's experience is smooth, secure, and reliable. This is a unique opportunity to make a significant impact within a hyper-growth fintech company backed by top-tier investors, shaping the future of borderless financial transactions.
• In this dynamic role, your day-to-day responsibilities will encompass the full lifecycle of physical card program operations. You will be the primary point of contact for our card manufacturers, processors, and payment networks, meticulously monitoring their performance, proactively identifying areas for improvement, and swiftly resolving any escalations with a high degree of precision and urgency. A key aspect of your role will involve leading the implementation of new card manufacturers and expanding the capabilities of existing ones, working closely with the Head of Card Network Operations to ensure our infrastructure can support evolving program needs and innovative features. You will also serve as a critical strategic partner to our clients, guiding them through the intricacies of card requirements, meticulously managing the onboarding timelines for new card programs, and ensuring that every launch is executed flawlessly, on time, and to specification through robust project management practices. Furthermore, you will be responsible for the end-to-end management of physical card billing operations, including supporting the reporting requirements from third-party vendors, ensuring financial accuracy and operational efficiency. To maintain transparency and foster accountability across all stakeholders, you will diligently maintain project trackers, lead regular weekly vendor synchronization meetings, and deliver comprehensive status reports that keep our cross-functional teams, including product and engineering, fully aligned and informed of progress and any potential roadblocks.
• You will be joining a lean and mighty team of passionate builders and veteran founders at Rain Technologies, a company at the forefront of stablecoin innovation. Our ethos is built on an open and flat structure, encouraging growth and alignment with individual goals. We operate at the epicenter of a rapidly evolving financial landscape, requiring agility, global thinking, and a proactive approach to problem-solving. Our team is as diverse and international as the audiences we serve, united by a shared commitment to innovation, efficiency, and a positive work environment. We hire individuals who are adaptable, take initiative to fix what's broken without prompting, anticipate emerging trends, and maintain a sense of fun throughout their work.
• This role offers an unparalleled opportunity for professional growth and development. You will gain deep, hands-on experience in the intricacies of card operations within the burgeoning fintech and crypto space. By managing complex relationships with manufacturers, networks, and clients, you will hone your project management and strategic partnership skills. You will learn to navigate and influence cross-functional teams, including product and engineering, to drive operational excellence. Successfully managing and scaling card programs will provide you with invaluable insights into the operational backbone of a global payments infrastructure, positioning you as an expert in a high-demand field and enabling you to contribute significantly to shaping a borderless financial future.
• The Card Operations Manager will be responsible for the comprehensive oversight of physical card program operations, ensuring that all activities align with industry best practices and regulatory compliance. This includes managing the entire lifecycle from card design and manufacturing to distribution and ongoing program management. A significant part of the role involves fostering strong, collaborative relationships with card manufacturers, processors, and payment networks like Visa and Mastercard. This collaboration is essential for monitoring service level agreements (SLAs), driving continuous improvements in card production and delivery, and ensuring that any operational issues are addressed with speed and efficiency. The manager will also play a crucial role in the strategic expansion of our card offerings by leading the onboarding process for new manufacturing partners. This involves evaluating their capabilities, negotiating terms, and ensuring their systems integrate seamlessly with Rain's infrastructure. Furthermore, the role demands a proactive approach to client engagement, where the manager will act as a trusted advisor, educating clients on card program requirements, setting realistic expectations for program launches, and meticulously overseeing project timelines to guarantee successful and timely deployments. The operational efficiency of card billing and the accuracy of associated reporting will also fall under the manager's purview, requiring diligent attention to detail and strong financial acumen. By establishing clear communication channels and maintaining detailed project documentation, the manager will ensure all internal and external stakeholders are consistently informed and aligned, fostering a culture of transparency and accountability that is vital for sustained growth and operational excellence in the fast-paced fintech environment.
• The ideal candidate will possess a proven track record in managing complex operational workflows within the payments or fintech industry. This includes a deep understanding of the end-to-end process of physical card issuance, from personalization and embossing to fulfillment and logistics. Familiarity with the specific rules and regulations set forth by major card networks, such as Visa and Mastercard, is paramount to ensure compliance and mitigate risks. The ability to effectively manage multiple projects simultaneously, prioritize tasks, and adapt to changing business needs will be critical. This involves developing and implementing standardized operating procedures, creating robust tracking mechanisms, and ensuring that all operational activities are documented and auditable. The manager will be expected to build and maintain strong relationships with a diverse range of vendors and partners, holding them accountable for performance and driving them towards shared objectives. This requires excellent negotiation and communication skills, with the ability to articulate complex technical and operational requirements clearly and concisely. A proactive mindset, coupled with the ability to identify potential issues before they arise and implement effective solutions, will be highly valued. The role also necessitates a strong capacity for strategic thinking, enabling the manager to anticipate future needs and contribute to the long-term vision of Rain's card operations. The ability to work effectively within a cross-functional team, collaborating closely with product development, engineering, and client success teams, will be essential for success in this role, ensuring that operational capabilities are aligned with product roadmaps and client expectations.
• The successful candidate will be adept at navigating the complexities of the payments ecosystem, possessing a keen understanding of the technical and operational aspects of card issuing. This includes knowledge of card personalization, secure data handling, and the various stages of the card production and distribution process. Experience in managing relationships with third-party vendors, including manufacturers, fulfillment centers, and technology providers, is essential. The manager will be responsible for setting performance expectations, monitoring vendor performance against agreed-upon metrics, and conducting regular reviews to ensure service quality and cost-effectiveness. A strong grasp of financial reconciliation processes related to card programs, including interchange fees, processing costs, and billing cycles, will be necessary to ensure financial integrity. The ability to develop and implement operational policies and procedures that enhance efficiency, reduce risk, and ensure compliance with relevant regulations (e.g., PCI DSS) is a key requirement. Furthermore, the manager will be expected to contribute to the strategic planning of card operations, identifying opportunities for automation, process optimization, and the adoption of new technologies to support Rain's growth and innovation objectives. This role demands a leader who can not only manage day-to-day operations but also contribute to the strategic direction and scalability of the company's card products, ensuring a robust and reliable foundation for future expansion and success in the global payments market.
• The Card Operations Manager will be a key player in ensuring the reliability and scalability of Rain's card products, directly impacting customer satisfaction and the company's reputation. This role requires a blend of technical understanding, operational expertise, and strong interpersonal skills to effectively manage a complex web of internal and external relationships. The ability to translate business requirements into actionable operational plans and to execute those plans with precision will be critical. The manager will be responsible for establishing and maintaining operational excellence, ensuring that all card programs run smoothly, efficiently, and in full compliance with all applicable rules and regulations. This includes staying abreast of changes in card network rules, industry best practices, and emerging technologies that could impact card operations. The manager will also be responsible for developing and implementing contingency plans to address potential disruptions and ensure business continuity. By fostering a culture of continuous improvement and data-driven decision-making, the manager will drive operational efficiency and effectiveness, contributing to Rain's overall success and its mission to revolutionize global payments. The role demands a proactive, results-oriented individual who can thrive in a fast-paced, innovative environment and contribute to the company's ambitious growth trajectory.

🎯 Requirements

• 4–7 years of experience in card operations, payments operations, or a related fintech/financial services function.
• Deep familiarity with physical card issuance, card network rules (Visa, Mastercard), and card manufacturer relationships.
• Exceptional project management skills, with the ability to manage multiple complex projects simultaneously.
• Clear, confident communicator capable of holding vendors accountable and guiding clients with authority.
• Ability to thrive in ambiguity, move quickly, and build process where none exists.
• Experience working cross-functionally with engineering and product teams is a strong plus.
• Bonus: Exposure to stablecoin or crypto-native card programs.

🏖️ Benefits

• Unlimited time off (minimum 10 days required).
• Flexible working arrangements (work from home or office).
• Comprehensive health, dental, and vision plans for US Rainmakers, with 100% company-subsidized life insurance.
• 401(k) with a 4% company match.
• Equity option plan for all Rainmakers.
• Rain Cards issued for product testing and knowledge.
• Health and Wellness spending allowance (e.g., gym memberships, fitness classes).
• Regular team summits and offsites (domestic and international).

Skills & Technologies

Onsite

Degree Required

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Rain Technologies, Inc.

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About Rain Technologies, Inc.

Rain Technologies provides earned wage access and financial wellness tools for employers and employees. The platform integrates with payroll systems to let workers withdraw accrued wages before payday for a flat or optional fee. Companies use Rain to reduce turnover and improve employee satisfaction, while workers gain flexibility to cover expenses without high-interest loans or overdrafts. Founded in 2019 and headquartered in the United States, Rain serves mid-market and enterprise clients across retail, healthcare, hospitality, and logistics industries, emphasizing compliance, security, and simple implementation.

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