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.

Key Responsibilities

• 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.

Controls, Risk & Regulatory Support

• 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.

Reconciliations & Investigations

• Perform daily cash and nostro reconciliations.
• Investigate reconciliation breaks and outstanding items.
• Conduct root cause analysis on recurring payment issues.

Reporting, Data & AI Enablement

• Produce operational and management reporting.
• Utilize automation, analytics, and AI-assisted solutions.
• Support STP and operational resilience initiatives.

Continuous Improvement & Team Contribution

• Identify operational efficiencies and automation opportunities.
• Support training, onboarding, and documentation maintenance.

Qualifications

Key Requirements

Essential

• 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.

Desirable

• 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