Company Overview

The organisation operates within the financial technology sector, supporting digital payments, online commerce, electronic transaction processing, and payment-related customer services. Its operational activities focus on helping businesses and consumers complete digital transactions efficiently while maintaining accurate records, appropriate controls, and dependable service standards.

The organisation recognises the importance of payment platforms such as PayPal in the broader digital commerce ecosystem. It seeks professionals who understand electronic payment lifecycles, transaction reconciliation, dispute handling, payment exceptions, and the operational procedures required to support online financial services.

Role Summary

The Senior Digital Payments Operations Specialist will coordinate daily payment operations across digital payment channels, helping ensure that transactions are accurately monitored, exceptions are investigated, and unresolved cases are managed through established procedures. The role involves working with payment records, reviewing transaction statuses, investigating reconciliation differences, and coordinating with finance, customer support, compliance, and technical teams.

The successful candidate will understand how electronic payments move through different processing stages, from initiation and authorisation to settlement, refunds, reversals, and disputes. Experience using PayPal business services or comparable digital payment platforms will be an advantage.

This is a hands-on operational position suited to a professional who can combine financial accuracy, structured problem-solving, and clear communication. The specialist will also contribute to improving operational procedures, strengthening documentation standards, and identifying recurring issues that affect transaction processing or customer experience.

Key Responsibilities

• Coordinate daily operational activities relating to electronic payments, transaction processing, refunds, payment reversals, and settlement-related enquiries.
• Monitor payment records and platform dashboards to identify pending transactions, failed payments, duplicate entries, and unusual processing patterns.
• Review transaction histories and supporting documentation to investigate discrepancies between payment platform records, internal systems, and financial reports.
• Support payment reconciliation by comparing transaction-level information with settlement reports, fee records, refund activity, and relevant accounting entries.
• Investigate payment exceptions and determine whether issues require operational correction, technical investigation, or escalation to a specialised team.
• Assist with the administration of payment disputes, chargebacks, refund requests, and transaction-related enquiries in accordance with established policies.
• Review transaction fees, processing adjustments, and settlement differences to help maintain accurate financial records.
• Coordinate with customer support teams to provide clear, evidence-based updates on payment issues and outstanding cases.
• Work with finance and accounting colleagues to investigate unreconciled balances and ensure that supporting documentation is complete.
• Liaise with technical teams when payment interruptions, API errors, system changes, or platform incidents affect transaction processing.
• Maintain detailed case records, including investigation findings, actions taken, approval references, and outstanding follow-up requirements.
• Prepare operational reports covering transaction volumes, payment exceptions, reconciliation progress, refunds, disputes, and unresolved cases.
• Identify recurring operational weaknesses and recommend practical improvements to workflows, documentation, and internal controls.
• Support the review and updating of standard operating procedures for payment handling, transaction verification, and issue escalation.
• Follow applicable data-protection requirements and internal information-security policies when accessing customer and transaction information.
• Contribute to operational testing when payment workflows, reporting systems, or internal procedures are updated.
• Help ensure that payment-related activities are completed within defined service levels and that significant issues are escalated promptly.

Requirements and Qualifications

• A degree, diploma, or equivalent professional experience in finance, accounting, business administration, economics, fintech, or a related discipline.
• Relevant experience in payment operations, electronic transaction processing, financial administration, reconciliation, or digital commerce.
• Practical familiarity with PayPal business services or comparable payment providers is an advantage.
• Understanding of payment authorisation, settlement, refunds, reversals, transaction fees, disputes, and chargeback processes.
• Experience investigating discrepancies between transaction records, settlement reports, and accounting data.
• Strong spreadsheet skills, including the ability to filter, compare, analyse, and reconcile transaction-level information.
• Familiarity with payment dashboards, case-management systems, financial reporting tools, or operational ticketing platforms.
• Ability to maintain accurate records and produce clear reports for operational, finance, and management stakeholders.
• Strong analytical and organisational skills, with the ability to prioritise urgent payment issues while maintaining attention to detail.
• Good written communication skills and the ability to explain transaction problems in a professional, structured manner.
• Understanding of confidentiality, access control, fraud awareness, and responsible handling of financial information.
• Ability to work independently in a remote environment while coordinating effectively with distributed teams.
• Professional working proficiency in English; additional language skills are beneficial.

Technical Environment

The role may involve PayPal business tools or comparable payment-provider dashboards, transaction reporting interfaces, reconciliation spreadsheets, accounting systems, customer relationship management tools, and case-management platforms. Experience with CSV exports, payment reports, and basic data analysis is valuable. Familiarity with API-generated transaction data is an additional advantage.

Benefits

• Remote working arrangement within Estonia.
• Full-time, permanent employment structure.
• Opportunities to develop expertise in digital payment operations and online financial services.
• Exposure to reconciliation, dispute management, transaction controls, and electronic commerce workflows.
• Collaboration with finance, compliance, customer support, and technology professionals.
• Opportunities to contribute to process improvements and operational quality initiatives.
• Professional development through relevant payment-platform training and continuous learning.
• A role with practical responsibility for payment accuracy, issue resolution, and operational reliability.

Application Instructions

Candidates should submit an up-to-date CV through the organisation’s designated application channel. Applications should highlight experience in payment processing, transaction reconciliation, electronic commerce, refund administration, or digital financial services.

Applicants are encouraged to describe their familiarity with PayPal or comparable payment platforms and provide examples of payment discrepancies, operational exceptions, or reconciliation issues they have handled. Any examples must exclude confidential customer information and proprietary details from previous employers.

Shortlisted candidates may be invited to discuss a payment reconciliation scenario, explain how they would investigate a failed or delayed transaction, and demonstrate their approach to documentation, escalation, and operational problem-solving.

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