About the Company

We are a financial services organization supporting domestic and international payment flows for customers and business partners. Our operations function ensures that cross-border transactions are processed efficiently, payment instructions are accurate, and exceptions are resolved in coordination with banking partners and payment service providers.

We are seeking a Payments Operations Specialist with knowledge of European payment schemes and international transfers to support SEPA transactions, cross-border payments, and related operational controls.

Role Overview

The Payments Operations Specialist will manage operational activities associated with domestic and international payment transfers, including payment instruction validation, transaction tracking, exception handling, and coordination with external financial institutions. The role requires strong attention to detail, sound knowledge of payment workflows, and the ability to investigate delays, returns, and rejected transactions.

Key Responsibilities

• Process and monitor SEPA Credit Transfers, SEPA Instant Credit Transfers, and other supported domestic or cross-border payment transactions.
• Validate payment instructions, beneficiary details, transaction references, and required processing information.
• Monitor payment statuses and investigate delayed, rejected, returned, or pending international transfers.
• Coordinate with banks, correspondent institutions, payment service providers, and internal teams to resolve payment exceptions.
• Review payment return codes, rejection reasons, transfer fees, and other transaction-related discrepancies.
• Support investigations involving incorrect beneficiary information, duplicate instructions, failed transfers, and customer payment queries.
• Assist with operational checks relating to sanctions screening holds and compliance escalations, following established procedures and the responsibilities of the compliance team.
• Maintain accurate transaction records and ensure that payment documentation is complete and accessible for operational review.
• Monitor processing cut-off times, settlement deadlines, and service-level agreements.
• Prepare reports on international payment volumes, exception rates, processing delays, and resolution performance.
• Identify recurring operational issues and recommend improvements to cross-border payment workflows.
• Work with compliance, treasury, customer support, and technology teams to improve payment reliability.
• Follow internal controls and applicable procedures relating to data protection, transaction security, and payment operations.

Requirements and Qualifications

• Bachelor’s degree in Finance, Banking, Economics, Business Administration, or a related field; equivalent professional experience will be considered.
• At least 2 years of experience in payments operations, banking operations, international transfers, or financial services.
• Practical understanding of SEPA Credit Transfers, SEPA Instant payments, and cross-border payment processing.
• Familiarity with payment return codes, rejected transfers, settlement processes, and transaction exception handling.
• Understanding of payment messaging standards, including ISO 20022, is an advantage.
• Knowledge of SWIFT transfers or correspondent banking processes is beneficial.
• Experience using banking platforms, payment operations systems, spreadsheets, and transaction reporting tools.
• Strong analytical skills and the ability to resolve operational issues within defined deadlines.
• Excellent communication and coordination skills when working with internal teams and external payment partners.
• Awareness of European payment services regulation, operational risk, and data protection requirements.
• Ability to work independently, maintain accurate records, and manage competing priorities in a remote environment.

What We Offer

• Fully remote working arrangements, subject to agreed employment eligibility.
• Competitive salary based on experience and payment operations expertise.
• Exposure to European payment schemes and international financial services operations.
• Opportunities for professional development and payment industry training.
• Collaboration with experienced banking, treasury, compliance, and technology teams.
• A supportive environment focused on operational reliability and continuous improvement.
• Paid annual leave and benefits in accordance with company policy and applicable employment requirements.

Application Instructions

Interested candidates should submit an up-to-date CV highlighting their experience with SEPA payments, international transfers, payment exceptions, and banking operations.

Please include examples of payment issues you have resolved, operational improvements you have introduced, or payment processing systems you have used, without sharing confidential information.

Shortlisted applicants may be invited to discuss SEPA processing, payment return scenarios, cross-border transfer workflows, and operational risk controls.

Are you interested in this position?

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

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