Payment Gateways Specialist/ AM

AM/ Specialist – Payment Gateways & Corridors

Job Title

Assistant Manager / Specialist – Payment Gateways & CorridorsDepartmentOperationsReporting ToHead of Operations / COOCompany NameACE Money TransferLocationLahore or KharianEmployee TypeFull TimeExperience Required3–5 years in payments, fintech, or remittance operationsQualificationMinimum Graduation

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

Experience3–5 years in payments operations, fintech, or cross-border remittanceDomain KnowledgeDeep understanding of payment gateway ecosystems, card schemes (Visa/Mastercard), local APMs, real-time payment rails, and remittance corridors is a plus.Technical SkillsAPI integrations, REST/JSON, payment gateway dashboards, SQL for data querying, basic understanding of tokenization and 3DSAnalytical AbilityStrong data analysis and reporting skills; ability to translate data into actionable operational decisionsLeadershipProven ability to manage cross-functional teams and vendor relationships; experience in building and scaling payments operations teamsCompliance AwarenessWorking knowledge of AML requirements, and financial regulatory compliance for cross-border payments

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

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