Company Overview

A growing financial technology environment is strengthening its payment clearing infrastructure to support efficient transaction processing across European financial markets. Its operational ecosystem includes digital payment platforms, merchant acquiring services, electronic fund transfers, payment gateways, and banking connectivity solutions.

The organisation is seeking an experienced Digital Payments Clearing Specialist to manage clearing activities, coordinate transaction processing, and maintain accurate financial records across multiple payment channels.

Role Summary

The Senior Digital Payments Clearing Specialist will oversee the operational processing and reconciliation of payment clearing activities between financial institutions, payment processors, and merchant platforms. The position requires strong knowledge of payment networks, clearing procedures, transaction validation, and financial operations.

The successful candidate will ensure that payment instructions are accurately processed, clearing exceptions are investigated, and transaction records are maintained in accordance with established operational and regulatory requirements.

Key Responsibilities

• Manage daily payment clearing activities across electronic payment channels.

• Monitor incoming and outgoing payment files and transaction batches.

• Validate payment instructions before submission to relevant clearing networks.

• Coordinate clearing activities involving SEPA transfers, card transactions, and other electronic payment methods.

• Review transaction records for incomplete, duplicated, rejected, or incorrectly formatted payment instructions.

• Investigate clearing exceptions and coordinate timely resolution with banking partners.

• Reconcile clearing reports against internal transaction processing records.

• Monitor payment cut-off times and clearing deadlines.

• Maintain accurate clearing documentation and transaction processing logs.

• Coordinate with payment operations and finance teams to resolve transaction discrepancies.

• Investigate rejected payment files and identify recurring processing problems.

• Support clearing process improvements and operational efficiency initiatives.

• Prepare daily clearing performance reports and outstanding exception summaries.

• Ensure payment processing activities follow established operational controls and applicable requirements.

Requirements and Qualifications

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

• At least 4 years of experience in payment clearing, banking operations, or financial transaction processing.

• Strong understanding of electronic payment systems and clearing procedures.

• Knowledge of SEPA Credit Transfers and SEPA Instant Credit Transfers.

• Familiarity with ISO 20022 payment messaging standards.

• Experience handling payment files, transaction validation, and clearing reconciliation.

• Understanding of settlement cycles, payment returns, and transaction exception management.

• Proficiency in Microsoft Excel and financial operations systems.

• Strong analytical, numerical, and problem-solving abilities.

• Excellent communication and operational documentation skills.

• Experience working with European banks or payment service providers is advantageous.

Benefits

• Fully remote working opportunity within Estonia.

• Opportunity to work with modern European payment infrastructure.

• Collaboration with international banking and fintech operations teams.

• Access to professional development and industry-specific training.

• Exposure to advanced payment clearing technologies.

• Flexible working arrangements within a professional remote environment.

Application Instructions

Interested candidates should submit an updated CV highlighting their payment clearing experience, transaction processing knowledge, and reconciliation capabilities. Applicants should include relevant experience with SEPA payments, ISO 20022 messaging, and banking operations.

Are you interested in this position?

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

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