Analyst, Payment Operations

Circle (NYSE: CRCL) is one of the world’s leading internet financial platform companies, building the foundation of a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure. Circle’s platform includes the world’s largest regulated stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet. Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation. Learn more at circle.com.

What you’ll be part of:

Circle is committed to visibility and stability in everything we do. As we grow as an organization, we're expanding into some of the world's strongest jurisdictions. Speed and efficiency are motivators for our success and our employees live by our company values: High Integrity, Future Forward, Multistakeholder, Mindful, and Driven by Excellence. We have built a flexible work environment where new ideas are encouraged and everyone is a stakeholder.

What you’ll be responsible for
You will be responsible for monitoring and ensuring the reliability, accuracy, and performance of cross-border payment operations. This includes proactively identifying transaction issues, validating pricing and reconciliation accuracy, supporting partner integrations, and driving timely resolution of operational incidents. You will work closely with cross-functional teams to maintain SLA adherence, improve operational workflows, and enhance monitoring and alerting systems.

What you’ll work on

• Monitor live cross-border payment transactions and escalate stuck, delayed, or rejected flows using defined playbooks

• Track high-value transactions, volume anomalies, and corridor performance, providing timely operational updates

• Monitor SLA adherence across payment corridors and partners, flagging breaches and driving resolution

• Perform transaction-level pricing reconciliation and validate FX, margins, and incentives against source data

• Maintain and improve reconciliation trackers to ensure data accuracy and auditability

• Support go-live validation for new integrations, including API checks, wallet validation, and test transactions

• Investigate transaction anomalies, identify root causes, and recommend improvements to monitoring and workflows

What you’ll bring to Circle
Core Requirements

• 3 years of experience in fintech, banking, payments operations, or a similar analytical role

• Strong SQL skills with the ability to query and validate transaction-level data

• Strong analytical and problem-solving skills with the ability to identify patterns and anomalies independently

• High ownership and accountability, with a track record of driving issues through to resolution

• Strong written communication skills with the ability to clearly summarize issues and escalations

• Experience working with dashboards and tools such as Metabase, Looker, or Google Sheets

Preferred Requirements

• Experience in transaction monitoring, reconciliation, or settlement operations

• Exposure to cross-border payments, correspondent banking, or multi-currency systems

• Basic Python or scripting skills for automation and data validation

• Experience collaborating with Engineering on dashboards, alerting, or data workflows

• Understanding of payment system architecture, including OFI, network, and BFI layers

• Familiarity with AI-powered tools (e.g., Claude, Codex, Cursor) to improve workflows or analysis

This role is based in our Bangalore office and requires employees to work from the office on a regular basis.

Circle is on a mission to create an inclusive financial future, with transparency at our core. We consider a wide variety of elements when crafting our compensation ranges and total compensation packages.

Starting pay is determined by various factors, including but not limited to: relevant experience, skill set, qualifications, and other business and organizational needs. Please note that compensation ranges may differ for candidates in other locations.

We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status, or any other protected status required by the laws in the locations where we hire. Additionally, Circle participates in the E-Verify Program in certain locations, as required by law.

Should you require accommodations or assistance in our interview process because of a disability, please reach out to accommodations@circle.com for support. We respect your privacy and will connect with you separately from our interview process to accommodate your needs.