Position Summary

We are looking for an organised Fintech Merchant Operations Specialist to support merchants using digital payment services and financial technology platforms. The successful candidate will help maintain accurate merchant records, monitor payment activity, investigate settlement discrepancies, and coordinate operational processes that enable businesses to accept and manage electronic payments.

The position requires strong attention to detail, sound numerical reasoning, and the ability to work across payments operations, customer support, finance, and technical teams.

Key Responsibilities

• Support merchant onboarding, account maintenance, and payment-service configuration.

• Monitor payment processing activity and investigate failed, delayed, reversed, or disputed transactions.

• Assist with settlement monitoring and reconciliation between transaction records, payment processors, and merchant reports.

• Review operational exceptions and coordinate corrective action with the relevant teams.

• Maintain accurate merchant profiles, service records, operational documentation, and case histories.

• Respond to merchant enquiries concerning payment acceptance, transaction status, settlement timing, and reporting.

• Coordinate with acquiring partners, payment service providers, and internal technical teams to resolve processing issues.

• Support chargeback administration and dispute documentation in accordance with established procedures.

• Prepare daily and periodic reports covering transaction activity, settlement exceptions, and operational performance.

• Identify recurring operational problems and recommend improvements to workflows and controls.

• Follow internal procedures relating to transaction handling, information security, and the protection of sensitive financial data.

Candidate Requirements

• Experience in payment operations, merchant services, banking operations, financial administration, or a related field.

• Understanding of card payments, electronic transfers, settlement processes, and transaction reconciliation.

• Good numerical and analytical skills, with the ability to investigate discrepancies accurately.

• Strong Excel skills and familiarity with payment dashboards or operational reporting tools.

• Ability to maintain detailed records and manage multiple operational cases.

• Effective communication and coordination skills.

• Understanding of payment disputes, chargebacks, and merchant acquiring is an advantage.

• Familiarity with European payment services and relevant operational controls is beneficial.

• Professional proficiency in English; Estonian language skills are an advantage.

Performance Expectations

Performance will be assessed through reconciliation accuracy, timely resolution of operational exceptions, merchant support quality, documentation standards, and adherence to internal procedures.

Why This Opportunity?

This role offers direct exposure to the operational infrastructure behind digital payments. You will help merchants maintain reliable payment services while developing practical experience in transaction processing, settlement management, and payment operations.

Ideal candidate: A detail-oriented operations professional who enjoys resolving financial discrepancies, coordinating across teams, and ensuring that payment processes run smoothly.

Are you interested in this position?

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

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