Company Overview

An expanding financial technology organisation is strengthening its payment operations function to support reliable transaction processing for businesses, merchants, and financial institutions across European and international markets. Its services involve electronic payments, account-to-account transfers, merchant transactions, payment gateway connectivity, and automated financial workflows.

The organisation is seeking a Payment Operations & Exceptions Management Specialist to oversee operational payment activities and investigate transactions that require manual review, correction, or escalation.

Role Summary

The Payment Operations & Exceptions Management Specialist will manage payment-related operational exceptions from initial identification through investigation and resolution. The role involves reviewing failed transactions, monitoring payment processing systems, coordinating with external payment partners, and ensuring that operational issues are resolved accurately and within established service timelines.

The successful candidate will have practical experience in payment processing, transaction monitoring, exception handling, and operational service delivery. Strong attention to detail and the ability to coordinate multiple issues simultaneously will be essential.

Key Responsibilities

• Monitor daily payment processing activities across supported payment channels.

• Review payment queues and identify transactions requiring manual intervention.

• Investigate failed, rejected, delayed, duplicated, or incorrectly processed payments.

• Analyse payment status information and transaction records to establish the cause of operational exceptions.

• Coordinate with banks, payment processors, acquiring partners, and internal technical teams to resolve payment issues.

• Manage payment returns, reversals, refunds, and transaction corrections in accordance with approved procedures.

• Monitor payment processing service levels and outstanding exception resolution timelines.

• Review transaction files and payment instructions for missing or inaccurate information.

• Escalate complex payment incidents and recurring processing failures to relevant teams.

• Maintain detailed records of payment investigations, resolutions, and operational incidents.

• Support the management of merchant payment queries and transaction-related operational requests.

• Assist with payment system testing and validation following product or infrastructure changes.

• Identify recurring exception patterns and recommend improvements to payment workflows.

• Prepare operational dashboards and reports covering transaction volumes, failure rates, and exception categories.

• Ensure that payment operations follow internal procedures and applicable regulatory requirements.

Requirements and Qualifications

• Bachelor’s degree in Finance, Banking, Business Administration, Accounting, or a related field.

• At least 3 years of experience in payment operations, banking operations, transaction processing, or financial services support.

• Strong understanding of electronic payment processing and transaction lifecycles.

• Familiarity with SEPA Credit Transfers, SEPA Instant Payments, card payments, and payment gateway operations.

• Experience handling rejected transactions, payment returns, reversals, refunds, and processing exceptions.

• Knowledge of payment messaging standards, including ISO 20022, is advantageous.

• Experience using payment management systems, ticketing platforms, and operational reporting tools.

• Good Microsoft Excel skills and the ability to analyse transaction data.

• Strong investigation, prioritisation, and problem-solving capabilities.

• Ability to communicate effectively with external payment partners and internal stakeholders.

• Excellent documentation and case management skills.

• Professional fluency in English; additional European languages are an advantage.

Benefits

• Fully remote working opportunity within Estonia.

• Opportunity to support international payment operations and transaction services.

• Exposure to modern payment infrastructure and financial technology systems.

• Collaboration with banking, technical, customer operations, and finance teams.

• Access to relevant professional training and development.

• Flexible working arrangements within a collaborative remote environment.

Application Instructions

Applicants should submit an updated CV outlining their experience in payment processing, exception management, and financial operations. Candidates should highlight the payment channels they have supported, types of transaction issues resolved, and experience working with banks or payment service providers.

Are you interested in this position?

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

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