Senior enterprise technology engineer

Entity: Technology Job Family Group: IT&S Group Job Description: Role Overview The Retail Payments Operations is responsible for the overall operational performance, stability, and integrity of retail payment systems across instore and digital channels. This role owns payments issue management, settlement accuracy, fraud operations, and vendor performance, while leading and developing a team of Payments Administrators. This position serves as the senior operational authority for payments, partnering closely with Technology, Finance, Risk, Store Operations, and external payment providers to ensure payment systems are reliable, secure, and scalable. Key Responsibilities Payments Operations Leadership Be responsible for the day to day health of the retail payments ecosystem, including: Card authorization and processing, POS and gateway connectivity Settlement, funding, and reconciliation, Act as the final customer concern point for high severity payment incidents, Establishes operational standards, partner concern paths, and response playbooks, Lead postincident reviews and drive corrective and preventive actions, Team Leadership & Development, Handle, coach, and develop a team of Payments Administrators. Set performance expectations and benchmarks for: Incident resolution, Settlement accuracy, Fraud and chargeback handling Ensure appropriate coverage for business critical periods (e.g., peak retail hours), Build payments operations expertise and resiliency within the team Settlement, Reconciliation & Financial Governance Own end to end settlement accuracy across all payment tenders Ensure strong controls around: Daily settlement and funding validation, Discrepancy investigation and resolution, Month end and quarter end close activities, Partner with Finance and Accounting to support audits, reconciliations, and SOX controls, find opportunities to automate reconciliation and improve data quality. Fraud, Chargebacks & Risk Management, be responsible for fraud monitoring and operational response processes, Own chargeback performance, including: Trend analysis, Root cause identification, Processor and fraud vendor coordination, Partner with Risk and Compliance teams to: Tune fraud rules, Reduce losses and false positives, Support PCIDSS and regulatory requirements Vendor & Processor Management Serve as the primary operational relationship owner for: Payment processors, Acquirers, Gateways, Fraud and risk vendors Handle: SLA performance, Incident communications, Critical issues and service reviews Support contract renewals, vendor evaluations, and processor changes Coordinate operational readiness for new payment methods or platform changes, Strategy, Reporting & Continuous Improvement Define and track payments operations benchmarks, including: Incident volume and MTTR, Settlement accuracy, Fraud and chargeback rates Deliver executive level reporting and insights Find opportunities to: Improve operational efficiency, Reduce cost and risk, Increase payment reliability and customer experience, Partner with Technology and Product teams on roadmap initiatives impacting payments Supported Payment Channels Instore POS payments (EMV, contactless, magstripe), Credit and debit cards Digital wallets (Apple Pay, Google Pay), Gift cards and store value products ecommerce and mobile payments (if applicable) Required Qualifications Experience & Expertise 7+ years of experience in payments operations, retail technology, finance operations, or related fields 3+ years of experience leading or managing teams Deep understanding of: Card payment lifecycle (authorization → settlement → funding) Retail POS environments Payment processor operations and reporting Tried experience managing high impact payment incidents in a retail environment Technical & Analytical Skills Strong ability to analyze settlement files, processor reports, and transaction data. Experience driving operational improvements and automation. Comfortable working across multiple payment platforms and systems. Risk, Compliance & Financial Controls Strong solid understanding of: PCIDSS requirements, Chargeback and dispute processes, Fraud monitoring and mitigation, SOX and audit controls related to payments Leadership & Communication Skills Strong people leadership and coaching skills, Clear, executive ready communication during incidents and reviews, Ability to influence across Technology, Finance, Risk, and Store Operations, Calm, conclusive leadership during payment outages or business critical events Preferred Qualifications Experience in multi store, high transaction volume retail Omnichannel payments experience (instore + digital) Experience leading processor migrations or new tender launches Familiarity with major processors (e.g., Fiserv, FIS, Worldpay, Adyen, Stripe, etc.) Success Measures High availability and reliability of payment systems Accurate and timely settlement with minimal discrepancies Improved fraud and chargeback performance Reduced incident recu