An established banking and financial operations environment in Estonia is looking for an FX & Payments Operations Analyst to support the end-to-end administration of currency transactions and payment flows. The role combines transaction processing, settlement support, reconciliation, operational analysis, and exception management across domestic and international financial activity.

This is an excellent opportunity for an operations professional who enjoys working with transaction data, identifying discrepancies, improving processes, and supporting reliable execution across the banking lifecycle.

The Role

You will help ensure that payment and FX transactions are processed correctly, settled on time, and accurately reflected across internal systems. Working closely with front-office, treasury, finance, compliance, and external banking partners, you will play an important role in maintaining operational continuity.

Core Responsibilities

• Manage daily operational workflows covering payments and FX transactions.
• Validate transaction instructions and ensure appropriate processing through internal banking systems.
• Support the settlement of FX trades and monitor associated payment obligations.
• Reconcile transaction records, settlement accounts, nostro positions, and operational reports.
• Investigate breaks between internal systems, counterparties, and banking records.
• Monitor payment statuses and follow up on pending, rejected, or failed transactions.
• Assist with SWIFT and SEPA payment investigations where required.
• Support foreign currency payment processing across multiple currencies and jurisdictions.
• Prepare operational reports covering transaction volumes, exceptions, settlements, and outstanding items.
• Maintain clear audit trails and documentation for processed transactions.
• Identify recurring operational issues and recommend practical improvements.
• Work with compliance and risk teams when transactions require additional review or investigation.
• Support internal and external audits by providing accurate operational information.

What We Are Looking For

• Previous experience in banking operations, payments, treasury, FX, settlement, or financial administration.
• Understanding of the lifecycle of a payment and/or foreign exchange transaction.
• Experience with reconciliation, transaction monitoring, or operational controls.
• Strong Excel or spreadsheet capability and confidence working with financial data.
• Excellent attention to detail and a structured approach to problem solving.
• Ability to manage competing priorities while maintaining processing accuracy.
• Good understanding of operational risk and financial controls.
• Strong communication skills and the ability to work across multiple teams.
• Experience with banking or payment systems is highly desirable.

Professional Environment

The position provides broad exposure to the operational side of modern banking, particularly the interaction between payments infrastructure, FX settlement, treasury processes, and financial controls. It is well suited to professionals who want to deepen their understanding of how financial transactions move through institutional banking environments.

Ideal Candidate

You are analytical, organized, and comfortable working with transaction-level information. You naturally investigate discrepancies rather than simply escalating them, and you understand the importance of deadlines, reconciliation accuracy, documentation, and regulatory controls in financial operations.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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