Treasury Operations Associate

<div class="content-intro"><p>Lithic is the modern card issuing and processing platform empowering ambitious financial companies to build the future of payments.</p> <p>Our infrastructure powers card programs for 100+ innovative clients, from fintechs reimagining credit and digital banking to platforms transforming disbursements and spend management. Companies like Mercury, Flex, and Novo rely on Lithic's developer-friendly APIs, direct network connections, and flawless reconciliation to launch and scale card programs in weeks, not years.</p> <p>We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others.&nbsp;</p> <p>We're a team of 170+ across 26 states and 7 countries, headquartered in New York City.&nbsp;</p></div><p>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.</p> <p>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.</p> <h2>What You'll Do</h2> <p>Execution (50%)</p> <ul> <li>Own day-to-day execution of network settlement transfers (Mastercard, Visa) and related treasury transfers across sponsor banks</li> <li>Operate in a time-sensitive environment where errors or delays have immediate downstream consequences</li> <li>Support reconciliation and ensure transfers tie out against expected activity</li> <li>Be a reliable, detail-oriented operator of an existing process — accuracy and consistency matter as much as speed</li> </ul> <p>Process Optimization (20%)</p> <ul> **<li>Take existing workflows and make them better:** fewer manual steps, stronger controls, cleaner audit trails</li> <li>Identify friction or risk in current processes and propose (and build) improvements</li> <li>Balance improvement work against the need for strong financial controls — nothing gets streamlined at the expense of auditability</li> </ul> <p>Project Support (30%)</p> <ul> <li>Support the Head of Treasury Operations on larger initiatives as the function scales</li> <li>Contribute analysis, documentation, and execution support to new treasury infrastructure, reporting, or process builds</li> </ul> <p>Ongoing</p> <ul> <li>Run ad hoc data analysis (SQL, Excel) to answer operational and financial questions on the fly</li> <li>Support downstream audit and reporting needs tied to settlement and reconciliation activity</li> <li>Be available outside normal business hours in rare emergency situations (e.g., a failed settlement or bank-side issue)</li> </ul> <h2>What You'll Learn</h2> <p>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.</p> <h2><strong>What We're Looking For</strong></h2> <ul> <li>2–4 years of relevant experience in treasury operations, funds transfer/money movement operations, cash management, or a closely adjacent operational finance role</li> <li>Experience with reconciliation and financial controls — you understand <em>why</em> the numbers need to tie out, not just how to make them tie out</li> <li>Strong Excel and Google Sheets skills, including comfort with (or willingness to learn) Google Apps Script for automating recurring workflows</li> <li>SQL proficiency for querying and validating data (we use Snowflake and Metabase); Python or other scripting is a plus, not a requirement</li> <li>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</li> <li>Familiarity with Jira and Slack, or similar ticketing and collaboration tools, for tracking progress and coordinating across teams</li> <li>Comfort shifting flexibly between fixed process workflows and operating in an agile enrivonment (sprints, tickets, iterative process improvement)</li> <li>Interest in operating in a fast-moving startup/fintech environment — this isn't a traditional back-office treasury seat</li> </ul> <p>The annual US salary range for this role is $80,000 - $110,000 plus equity. This salary range may be inclusive of several career levels at Lithic and will be narrowed during the interview process based on the candidate’s experience and qualifications.&nbsp;</p> <p>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.</p><div class="content-conclusion"><h3>Benefits for Full-Time US Employees:</h3> <ul> <li>Unlimited PTO</li> <li>12-weeks fully paid parental leave</li> <li>4-Week Fully Paid Sabbatical (earned at your 5-year anniversary)</li> **<li>Work From Anywhere:** work from anywhere in the world 4-weeks each year</li> <li>3% cashback on card purchases with your complimentary <a href="http://Privacy.com">Privacy.com</a> employee account</li> <li>Health, vision, and dental insurance; HSA Contribution Match</li> <li>401(k) match</li> <li>Voluntary Life Insurance and STD/LTD</li> </ul> <p data-pm-slice="0 0 []">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.</p> <p>In-office employees receive:&nbsp;</p> <ul> <li>Commuter benefit</li> <li>Catered lunch every Tuesday and Thursday</li> </ul></div>