Account Management Consultant, Client Services - Payment Network - Remote

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together.

As an Account Management Consultant supporting Optum's Payment Network (S3), you will manage a portfolio of strategic merchants and partners, driving performance, growth, and operational excellence across the network.

You will be responsible for merchant relationships, performance reporting, network expansion initiatives, new capability adoption, and issue resolution. This role partners closely with Product, Operations, Technology, Compliance, and Finance teams to improve authorization rates, expand benefit acceptance, and enhance the merchant experience.

You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. 

Primary Responsibilities:

• Merchant Relationship Management
  • Own relationships with strategic merchants and partners
  • Lead business reviews and performance discussions
  • Identify opportunities to grow spend, expand acceptance, and improve merchant performance
  • Ensure merchants comply with network requirements and operational standards
• Network Performance & Reporting
  • Own merchant and network performance reporting, including spend volume, member utilization, activation, and operational metrics
  • Develop dashboards, scorecards, and business reviews for internal and external stakeholders
  • Analyze performance data and identify growth opportunities, risks, and operational issues
  • Leverage AI tools to research data, explore trends, accelerate analysis, and identify insights across merchant and network performance
  • Track merchant portfolio health and drive corrective actions when needed
• Business Execution
• Lead cross-functional initiatives involving Product, Technology, Operations, Legal, and Compliance teams
  • Support merchant onboarding, integrations, and launches of new capabilities
  • Develop business cases and recommendations to support network growth and strategic initiatives
  • Drive execution of key roadmap priorities
• Problem Resolution & Continuous Improvement
  • Serve as the primary escalation point for complex merchant issues
  • Coordinate resolution of technical, operational, and process-related challenges
  • Identify recurring issues and implement scalable improvements
  • Simplify complex issues and communicate clear recommendations to stakeholders
    

Success Measures

• Merchant retention and satisfaction
• Growth in spend volume and benefit acceptance
• Successful onboarding and activation of merchants and capabilities
• Delivery of reporting, dashboards, and business reviews
• Reduction in operational issues and escalations
• Successful execution of strategic initiatives and roadmap commitments
  

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. 

Required Qualifications:

• 8+ years of account management, client services, payments, fintech, healthcare, retail technology, or related experience
• Experience managing strategic clients or merchant relationships
• Experience leading complex cross-functional initiatives
• Experience with performance reporting, analytics, business reviews and demonstrated fluency with AI tools and prompt-based research, including the ability to use AI to explore data, conduct research, synthesize information, and accelerate business analysis.
• Experience with payment networks, merchant onboarding, integrations, or transaction processing
• Proven solid problem-solving, communication, and stakeholder management skills
• Ability to travel up to 20% for merchant reviews, industry events, and leadership meetings
  

Preferred Qualifications

• Experience in healthcare payments, directed spend, FSA/HSA, OTC, or benefit programs
• Experience with merchant analytics and performance management
• Experience with Power BI and demonstrated fluency with AI tools and prompt-based research, including the ability to use AI to explore data, conduct research, synthesize information, and accelerate business analysis
• Experience using Microsoft Copilot, ChatGPT, or similar generative AI tools for research, reporting, and business problem-solving
• Experience working with large national retailers or digital commerce platforms
  
  

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $112,700 - $193,200 annually based on full-time employment. We comply with all minimum wage laws as applicable.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and help make the health system work better for everyone. Together, we are shaping the future of healthcare by harnessing technology and innovation to make care simpler to navigate, more affordable and more connected for the people we serve. We are committed to creating an inclusive workplace where everyone feels welcomed, valued, heard and respected, empowering people to bring their authentic selves to work and strengthening our collective impact through diverse talents, backgrounds, experiences and perspectives.

UnitedHealth Group and its affiliated brands are an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

UnitedHealth Group and its affiliated brands are a drug-free workplace. Candidates are required to pass a drug test before beginning employment.