Company Overview

The organization operates within the international fintech and digital payments industry, developing financial technology solutions that support cross-border transactions, international money movement, and business payment services.

Its operational infrastructure connects financial institutions, payment service providers, and business customers through technology-driven payment solutions. The organization focuses on improving transaction efficiency, settlement reliability, and transparency across international payment networks.

Its distributed workforce brings together professionals from payment operations, treasury, financial technology, compliance, and customer service to support the delivery of reliable international financial services.

Role Summary

The Cross-Border Payments Operations Analyst will support the processing, monitoring, reconciliation, and investigation of international financial transactions across multiple currencies and payment channels.

The position involves coordinating cross-border payment workflows, monitoring settlement activities, investigating delayed or rejected transfers, and ensuring accurate transaction records across internal systems and external financial partners.

The successful candidate will work closely with banking partners, payment service providers, treasury teams, compliance specialists, and internal technology departments to maintain efficient international payment operations.

This role requires strong knowledge of international payment processes, financial reconciliation, and transaction investigation. The ideal candidate will be detail-oriented, analytically capable, and comfortable managing operational activities within a distributed fintech environment.

Key Responsibilities

• Monitor and support the processing of international payments across supported banking networks and payment channels.

• Review cross-border transaction records to ensure accurate processing, appropriate routing, and timely settlement.

• Investigate delayed, rejected, returned, or incomplete international payments.

• Perform reconciliation between internal transaction records, bank statements, and external payment provider reports.

• Monitor foreign currency payment activity and identify discrepancies affecting transaction settlement.

• Coordinate with correspondent banks, payment processors, and financial service partners to resolve payment-related issues.

• Review transaction references, beneficiary information, payment instructions, and relevant supporting documentation.

• Support the investigation of payment exceptions involving incorrect account details, compliance holds, and processing failures.

• Maintain accurate records of international transactions, reconciliation activities, and operational investigations.

• Monitor settlement timelines and identify recurring delays or inefficiencies across payment corridors.

• Prepare operational reports covering transaction volumes, settlement performance, payment exceptions, and processing efficiency.

• Collaborate with compliance teams to ensure that international payment activities follow applicable internal controls.

• Support improvements to cross-border payment workflows and operational procedures.

• Assist with testing new payment channels, banking integrations, and transaction processing enhancements.

Requirements and Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related discipline.

• At least three years of experience in international payments, banking operations, payment processing, or financial services.

• Strong understanding of cross-border payment workflows and international settlement procedures.

• Familiarity with SWIFT messaging, SEPA payments, correspondent banking, and international bank transfers.

• Understanding of foreign exchange transaction processes and multi-currency payment operations.

• Experience performing bank reconciliation and investigating transaction discrepancies.

• Proficiency in Microsoft Excel and financial reporting tools.

• Familiarity with payment processing platforms and banking systems.

• Understanding of AML controls, sanctions screening, and international payment compliance requirements.

• Strong numerical accuracy, analytical reasoning, and problem-solving capabilities.

• Excellent written communication and stakeholder coordination skills.

• Ability to manage operational deadlines and work independently in a remote environment.

Benefits

• Fully remote working arrangement within Estonia.

• Competitive compensation based on professional experience.

• Opportunity to work within international payment infrastructure and cross-border financial services.

• Professional development in international banking, payment operations, and fintech.

• Exposure to multiple currencies, payment networks, and financial service providers.

• Collaborative working environment involving international finance and technology professionals.

• Access to modern digital tools and operational systems supporting remote work.

Application Instructions

Interested candidates should submit an updated CV highlighting their experience in cross-border payments, international banking operations, transaction reconciliation, and financial services.

Applications should demonstrate practical knowledge of international payment processing, settlement workflows, and transaction investigations. Candidates with experience supporting SEPA, SWIFT, correspondent banking, or international payment platforms are encouraged to apply.

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

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