Job Description




Role Overview



The role is accountable for the operational processing, control, and monitoring of payment activities, supporting end-to-end payment lifecycles within a regulated financial services environment.



This role requires a flexible and versatile operations professional who can operate across multiple processes, support business continuity through cross-training, and respond effectively to changing volumes and priorities.



The successful candidate will demonstrate strong operational expertise, a client-centric mindset, and the ability to leverage technology, automation, and AI-enabled tools to enhance efficiency, reduce risk, and improve data quality in a regulated financial services environment




Responsibilities




Key Objectives

• Ensure timely and accurate processing of client and business payment transactions.


• Maintain strong operational controls across payment processing activities.


• Proactively manage payment exceptions, investigations, and operational risks.


• Support client transaction lifecycles and fund operations activities, ensuring transparency, accuracy, and strong controls.


• Process and control stock movements including internal transfers, external transfers, CREST transfers, and certificated share transactions.


• Contribute to operational excellence through automation, continuous improvement, and AI-supported solutions.


• Deliver high service standards while ensuring compliance with regulatory and internal policy requirements.

• Payment Processing & Transaction Management


• Process payments including SEPA, SWIFT, and internal account transfers.


• Validate payment instructions and supporting documentation.


• Monitor payment queues and ensure transactions are completed within agreed deadlines.


• Investigate and resolve rejected, returned, delayed, or unmatched payments.


• Client Payment Support


• Support end-to-end client payment activity.


• Liaise with Relationship Managers, Custodians, Correspondent Banks, and Operations teams.


• Maintain high standards of client service and communication.

• Adhere to payment control frameworks, regulatory requirements, and internal policies.


• Perform payment verification checks and dual-control processes.


• Support AML, sanctions screening, and regulatory obligations.


• Assist with audits, compliance reviews, and regulatory reporting.

• Perform daily cash and nostro reconciliations.


• Investigate reconciliation breaks and outstanding items.


• Conduct root cause analysis on recurring payment issues.

• Produce operational and management reporting.


• Utilize automation, analytics, and AI-assisted solutions.


• Support STP and operational resilience initiatives.

• Identify operational efficiencies and automation opportunities.


• Support training, onboarding, and documentation maintenance.

• Minimum 3-5 years' experience in payments, banking operations, or financial services operations.


• Third-level qualification in Business, Finance, Economics, or related discipline.


• Strong understanding of SEPA, SWIFT, and payment processing.


• Experience managing payment exceptions and reconciliations.


• Experience processing stock transfers, custody movements, or client asset transactions within a regulated financial services environment.


• Strong analytical, problem-solving, and stakeholder management skills.


• Advanced Microsoft Office proficiency.

• Experience in investment, wealth, or custody operations.


• Knowledge of AML, sanctions, and operational risk controls.


• Exposure to automation, AI tools, and process improvement initiatives.


• Team player with strong interpersonal and communication skills