Payment Operations - Senior Analyst

Crown Agents Bank is a rapidly growing, regulated UK bank connecting emerging and frontier markets to the world through innovative FX and payments technology. Our mission is simple: reduce friction so more money reaches those who need it.

For over 200 years we’ve built trusted networks across hard‑to‑reach markets. Today, we pair that heritage with digital innovation to support fintechs, corporates, governments, development organisations and banks with cross‑border payments and FX solutions.

Crown Agents Bank is a rapidly growing, regulated UK bank connecting emerging and frontier markets to the world through innovative FX and payments technology. Our mission is simple: reduce friction so more money reaches those who need it.

For over 200 years we’ve built trusted networks across hard‑to‑reach markets. Today, we pair that heritage with digital innovation to support fintechs, corporates, governments, development organisations and banks with cross‑border payments and FX solutions.

The Payment Operations team is responsible for the accurate and timely processing, monitoring and control of the Bank’s payment activity across relevant payment channels, ensuring transactions are completed in line with internal procedures, regulatory expectations, cut‑off times and agreed service levels. The role holder will act as an experienced member of the team, supporting day‑to‑day payment processing, exception management, reconciliations, queue monitoring and operational controls.

The role holder will be expected to apply strong technical knowledge of payments, SWIFT messaging and operational risk to ensure high‑quality delivery, effective resolution of payment issues and continued focus on payment optimisation. The successful candidate will support the smooth running of payment operations, provide guidance to colleagues, contribute to process improvements and help ensure that payment activity is controlled, efficient and resilient.

They will play an active role in identifying non‑STP drivers, completing root cause analysis and using operational insight to reduce manual intervention, improve straight‑through processing and strengthen the end‑to‑end payment journey. The role holder will work closely with Payment Investigations, Cash Management, Reconciliations, Technology, Product, Front Office and other business areas to support payment execution, resolve operational issues, strengthen controls and deliver improvements across the payment lifecycle, including providing structured feedback to Product on recurring issues, client impacts and opportunities for payment optimisation.

• Process, monitor and control payment activity across relevant channels, ensuring transactions are accurate, timely and completed within agreed cut‑off times.
• Review and interpret SWIFT MT and ISO 20022 messages to support payment processing, repairs, exception resolution and escalation.
• Monitor payment queues, pending items, unmatched transactions and exceptions to ensure timely progression and effective issue resolution.
• Investigate payment failures, non‑STP items and operational queries, completing root cause analysis to identify trends, control gaps and improvement opportunities.
• Perform payment‑related control checks, reconciliations and validation activity in line with internal procedures, regulatory expectations and risk appetite.
• Liaise with correspondent banks, clients, internal operations teams, Front Office, Compliance, Technology and Product to support payment execution and resolve issues.
• Provide structured feedback on recurring issues, non‑STP drivers, client impacts and enhancement opportunities to improve straight‑through processing and operational…