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Senior Manager, Merchant Services and Card PaymentsCox Communications Inc. • Atlanta, Georgia, United States
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Senior Manager, Merchant Services and Card Payments

Cox Communications Inc.
  • US
    Atlanta, Georgia, United States
  • US
    Atlanta, Georgia, United States
Postuler Maintenant

À propos

Company
Cox Automotive - USA
Job Family Group
Finance
Job Profile
Treasury Sr Manager
Management Level
Sr Manager - Non People Leader
Flexible Work Option
Hybrid - Ability to work remotely part of the week
Travel %
No
Work Shift
Day
Compensation
Compensation includes a base salary in the range of $134,900.00 - $224,900.00. The base salary may vary within the anticipated base pay range based on factors such as the ultimate location of the position and the selected candidate's knowledge, skills, and abilities. Position may be eligible for additional compensation that may include an incentive program.
Job Description
Cox Automotive is hiring a Senior Manager, Merchant Services and Card Payments. This is a senior individual contributor and team lead within the Corporate Treasury function, responsible for owning the end-to-end strategy, operations, and optimization of the company's card payment acceptance program. With over $500 million in annual B2B card payment volume processed across Visa, Mastercard, and American Express platforms - predominantly card-not-present - this role is a critical financial and operational function.
This leader will serve as the company's internal subject matter expert on merchant acquiring, interchange economics, payment processing, and card network relationships. This individual will partner closely with Finance, Accounting, Technology, Legal, and business unit leadership to ensure the payments program operates efficiently, compliantly, and cost-effectively. The role reports to the Senior Director, Billing and Cash Application and may manage one or more specialists / analysts in the future.
Key Responsibilities
Strategy & Program Ownership
Own and continuously optimize the company's card payment acceptance strategy across all B2B payment channels and platformsLead the evaluation, negotiation, and management of relationships with the company's merchant bank and processor (currently Chase Paymentech), card networks (Visa, Mastercard, American Express), and specialty platforms (Stripe) for niche business unitsDevelop and execute a multi-year roadmap for the card payments program aligned with corporate growth, cost management, and technology objectivesServe as the primary internal escalation point and external relationship manager for all card payment processing partners
Interchange & Cost Optimization
Own the company's interchange fee management strategy, including qualification optimization, merchant category code (MCC) assignments, and data enrichment to achieve the best available interchange tiersConduct ongoing analysis of the merchant discount rate and processing fee structures; benchmark against industry peers and identify cost reduction opportunitiesLead periodic RFPs and contract renegotiations with processor and network partners; evaluate pricing models (interchange-plus, flat-rate, tiered) and advocate for structures that minimize total cost of acceptanceMonitor network fee schedules, assess the impact of interchange updates (Visa/Mastercard publish semi-annual updates), and model financial exposure to fee changes
Operations & Settlement Management
Oversee day-to-day card payment processing operations, ensuring timely and accurate authorization, clearing, and settlement across all business units and payment channelsMonitor settlement reconciliation between Chase Paymentech remittances and the general ledger; partner with Accounting to resolve discrepancies promptlyManage the Stripe platform for applicable niche business units, including account configuration, fee monitoring, and reconciliationEstablish and maintain operational procedures, controls, and SLAs for payment processing across the enterprise
Chargeback & Dispute Management
Own the company's chargeback and dispute management program across all card networks and processorsDevelop and enforce representment strategies and documentation standards to maximize dispute wins and recover revenueMonitor chargeback ratios by business unit and card network; ensure ratios remain within Visa, Mastercard, and Amex thresholds to protect card acceptance privilegesCollaborate with Sales, Customer Service, and legal teams to address root-cause issues driving dispute volume
Risk, Fraud & Compliance
Ensure the company maintains full PCI-DSS compliance across all card acceptance environments; serve as the Treasury liaison to the company's PCI compliance programPartner with IT Security and the PCI Qualified Security Assessor (QSA) on annual assessments, penetration testing, and remediation effortsOversee tokenization, encryption, and network-based fraud prevention tools; evaluate and implement enhancements to reduce CNP fraud exposureStay current on card network operating regulations, NACHA rules, and relevant regulatory changes (e.g., Durbin Amendment implications, Reg Z) and assess their impact on company operations
Reporting & Analytics
Develop and maintain a suite of KPIs and management reporting covering payment volume, cost of acceptance, interchange optimization, chargeback rates, fraud losses, and settlement performanceDeliver regular executive-level reporting to Treasury and Finance leadershipBuild financial models to evaluate new payment initiatives, technology investments, and processor contract scenarios
Cross-Functional Leadership
Serve as the Treasury subject matter expert on card payments for internal stakeholders including Finance, Accounting, Sales Operations, IT, Legal, and business unit leadersPartner with IT and product teams on payment technology integrations, gateway configurations, and API connectivity with Chase Paymentech and StripeSupport M&A activity and new business launches by assessing payment processing requirements and onboarding new entities to existing or new processing platformsLead, mentor, and develop any direct reports within the card payments function
Required Qualifications
Bachelor's degree in Finance, Accounting, Business, or a related field with 8+ years of progressive experience in treasury, payments, or financial operations, with a minimum of 3+ years of direct hands-on experience in merchant card paymentsMBA or CTP (Certified Treasury Professional) a plusDeep working knowledge of the card payments ecosystem: card networks (Visa, Mastercard, Amex), merchant acquiring, interchange fee structures, payment gateways, and CNP processingDemonstrated experience managing a high-volume merchant processing and acquirer relationships.Familiarity with Stripe or comparable PSP/PayFac platforms in a business operations contextStrong understanding of PCI-DSS requirements and the merchant compliance lifecycleProven experience managing chargeback and dispute programs across multiple card networksAdvanced proficiency in Excel/financial modeling; experience with ERP systems (Oracle and SAP) and treasury management systems (TMS) a plusExcellent analytical, communication, and presentation skills; ability to translate complex payment economics into clear executive-level narratives
Preferred Qualifications
Experience with B2B card payment optimization, including Level 2 / Level 3 data processing to reduce interchange costs on commercial card transactionsFamiliarity with virtual card (vCard) acceptance and straight-through processing in a B2B contextExperience with network tokenizationPrior experience conducting processor RFPs or leading contract renegotiations with major acquiring banks
Drug Testing
To be employed in this role, you'll need to clear a pre-employment drug test. Cox Automotive does not currently administer a pre-employment drug test for marijuana for this position. However, we are a drug-free workplace, so the possession, use or being under the influence of drugs illegal under federal or state law during work hours, on company property and/or in company vehicles is prohibited.
Benefits
The Company offers eligible employees the flexibility to take as much vacation with pay as they deem consistent with their duties, the company's needs, and its obligations; seven paid holidays throughout the calendar year; and up to 160 hours of paid wellness annually for their own wellness or that of family members. Employees are also eligible for additional paid time off in the form of bereavement leave, time off to vote, jury duty leave, volunteer time off, military leave, and parental leave.
About Us
Through groundbreaking technology and a commitment to stellar experiences for drivers and dealers alike, Cox Automotive employees are transforming the way the world buys, owns, sells - or simply uses - cars. Cox Automotive employees get to work on iconic consumer brands like Autotrader and Kelley Blue Book and industry-leading dealer-facing companies like vAuto and Manheim, all while enjoying the people-centered atmosphere that is central to our life at Cox. Benefits of working at Cox may include health care insurance (medical, dental, vision), retirement planning (401(k)), and paid days off (sick leave, parental leave, flexible vacation/wellness days, and/or PTO). For more details on what benefits you may be offered, visit our benefits page. Cox is an Equal Employment Opportunity employer - All qualified applicants/employees will receive consideration for employment without regard to that individual's age, race, color, religion or creed, national origin or ancestry, sex (including pregnancy), sexual orientation, gender, gender identity, physical or mental disability, veteran status, genetic information, ethnicity, citizenship, or any other characteristic protected by law. Cox provides reasonable accommodations when requested by a qualified applicant or employee with disability, unless such accommodations would cause an undue hardship.
EOE, including disability/vets
Applicants must currently be authorized to work in the United States for any employer without current or future sponsorship. No OPT, CPT, STEM/OPT or visa sponsorship now or in future.
  • Atlanta, Georgia, United States

Compétences linguistiques

  • English
Avis aux utilisateurs

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