Treasury Operations Associate

Lithic's Treasury Operations team owns the movement of money across our card issuing infrastructure — network settlement, sponsor bank transfers, and the reconciliation that keeps it all provable. This is a hands-on, high-ownership role for someone who wants to learn the inner workings of payments and fintech infrastructure, not just observe them from a reporting layer.

You'll be running a critical, time-sensitive engine every day — and at the same time, working alongside the Head of Treasury Operations to improve how that engine works as the function scales. You’ll also work cross-functionally across a wide range of teams (Finance, Treasury Engineering, Risk, Analytics, Processing, Customer Success, Bank Operations) — this role sits at the center of a lot of different workflows, not off in a silo.

What you'll do:

Execution (50%)

• Own day-to-day execution of network settlement transfers (Mastercard, Visa) and related treasury transfers across sponsor banks
• Operate in a time-sensitive environment where errors or delays have immediate downstream consequences
• Support reconciliation and ensure transfers tie out against expected activity
• Be a reliable, detail-oriented operator of an existing process — accuracy and consistency matter as much as speed

Process Optimization (20%)

• Take existing workflows and make them better: fewer manual steps, stronger controls, cleaner audit trails
• Identify friction or risk in current processes and propose (and build) improvements
• Balance improvement work against the need for strong financial controls — nothing gets streamlined at the expense of auditability

Project Support (30%)

• Support the Head of Treasury Operations on larger initiatives as the function scales
• Contribute analysis, documentation, and execution support to new treasury infrastructure, reporting, or process builds

Ongoing

• Run ad hoc data analysis (SQL, Excel) to answer operational and financial questions on the fly
• Support downstream audit and reporting needs tied to settlement and reconciliation activity
• Be available outside normal business hours in rare emergency situations (e.g., a failed settlement or bank-side issue)

What you'll learn:

This role is a front-row seat to the nuts and bolts of card issuing and payments infrastructure — network settlement mechanics, sponsor bank relationships, and the guts of how money actually moves through a modern fintech stack. You'll come out of this role with a depth of operational fintech knowledge that's hard to get anywhere else.

What you'll bring:

• 2–4 years of relevant experience in treasury operations, funds transfer/money movement operations, cash management, or a closely adjacent operational finance role
• Experience with reconciliation and financial controls — you understand why the numbers need to tie out, not just how to make them tie out
• Strong Excel and Google Sheets skills, including comfort with (or willingness to learn) Google Apps Script for automating recurring workflows
• SQL proficiency for querying and validating data (we use Snowflake and Metabase); Python or other scripting is a plus, not a requirement
• Working comprehension of accounting concepts and financial operations / money movement (ACH, wires, card settlement, or similar) — you should be knowledgeable about how transfers and reconciliation tie back to the books
• Familiarity with Jira and Slack, or similar ticketing and collaboration tools, for tracking progress and coordinating across teams
• Comfort shifting flexibly between fixed process workflows and operating in an agile enrivonment (sprints, tickets, iterative process improvement)
• Interest in operating in a fast-moving startup/fintech environment — this isn't a traditional back-office treasury seat

This is a hybrid position. Candidates must be located within a commutable distance to our NYC office in Soho. We do not offer visa sponsorship or assistance.

Benefits for Full-Time US Employees:

• Unlimited PTO
• 12-weeks fully paid parental leave
• 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary)
• Work From Anywhere: work from anywhere in the world 4-weeks each year
• 3% cashback on card purchases with your complimentary Privacy.com employee account
• Health, vision, and dental insurance; HSA Contribution Match
• 401(k) match
• Voluntary Life Insurance and STD/LTD

NYC-based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs.

In-office employees receive:

• Commuter benefit
• Catered lunch every Tuesday and Thursday