Payments Operations Analyst

• Managing daily payment runs across our bespoke internal systems, handling both inbound and outbound transactions (Direct Debits, Open banking, Card payments, Faster payments, and bank transfers).
• Spotting unusual payment patterns and irregular account behaviour— applying an immediate solution while working with our tech teams on permanent system fixes.
• Mastering the end-to-end flow of money across our various products (including Term Loans and Flexi Pay), knowing exactly how to handle and route payment exceptions.
• Carrying out daily operational checks and authorising internal and external transactions correctly, ensuring our data aligns perfectly to prevent any breaks between internal ledgers and bank accounts.
• Working closely with the AML and Financial Crime teams —supplying the AML team with the transaction data they need for daily checks, and ensuring preventative measures are actioned at the request of the Fraud team.
• Keeping our processes fully compliant with regulatory standards, focusing on FCA guidelines and CASS (Client Money) rules.
• Liaising with teams across the business, including Capital Market Operations, Collections, and Customer Success.
• Answering payment queries from internal colleagues and external customers clearly and efficiently.

• A sharp eye for detail: A meticulous approach to checking figures and ledgers in a fast-paced environment where minor mistakes have a direct financial impact.
• Comfortable with data:
  Happy looking at transactional data to spot trends, anomalies, or system drops, using Excel or basic data dashboards.
• Practical problem-solving:
  The ability to track down ambiguous payment exceptions and handle manual workarounds calmly when things don't go to plan.
• Operations experience:
  Background working in a high-volume transactional environment (e.g. Fintech, payment processing, retail banking, or busy financial administration).
• CASS or Client Money awareness: A good baseline understanding of safeguarding client funds and working within an FCA-regulated environment.
• Able to proactively identify ways to use Generative AI to streamline your daily tasks and improve your personal productivity.
• Confident using approved AI tools safely and effectively to enhance your output and find a better way of working.

Demonstrates expertise in managing payment transactions and ensuring compliance with FCA guidelines and CASS rules. Proficient in analyzing transactional data to identify anomalies and streamline operations using AI tools.

• Payment Transaction Management
• FCA Compliance
• CASS Awareness
• Data Analysis
• Problem-Solving

• Payment Processing
• Transaction Data Analysis
• Excel
• Operational Checks
• Payment Exception Handling

• Attention to Detail
• Practical Problem-Solving
• Effective Communication

• Fintech
• Retail Banking
• Financial Administration
• AML
• Financial Crime

• Generative AI Tools
• Data Dashboards