Banking Operations Lead

Money sitting idle is money lost. We're fixing that.

Founded in 2023 by Antoine and Paul-Adrien , Spiko gives businesses, non-profits, financial advisers, and fintechs access to institutional-grade cash management, via app or API. We are building the full infrastructure: issuing, operating, and distributing the products ourselves.

Two years after launch, we serve thousands of organizations across Europe and process hundreds of millions of euros in flows every month. Netherlands is one of our priority markets for the next phase of growth.

Our ambition: become the world's leading treasury management infrastructure in a market worth trillions.

We are backed by Index Ventures, the CEO of Revolut, the founder of Kyriba, and the CTO of Wise.

Spiko runs on excellence, transparency, and straight talk.

We're looking for a Banking Operations Lead to build and run the banking backbone that moves several hundred million euros of client money every month. This is a builder's role, not an operator's: you'll own how Spiko's payment rails, settlement flows, and FX and credit mechanics work today, and design the systems, procedures, and controls that let them scale as Spiko grows across Europe.

Reporting to the Head of Finance and working closely with Product, Engineering, and Legal & Compliance, you'll monitor daily banking operations, automate whatever is repetitive, and shape Spiko's banking architecture as it becomes increasingly complex across new financial products, currencies, and markets.

Run and automate daily banking operations

• Monitor daily operations : oversee Spiko's banking flows end-to-end and keep payments and settlements running smoothly.
• Automate relentlessly : if a task is repetitive, turn it into a process or a script rather than a recurring manual chore.
• Manage banking flows : handle SWIFT, SEPA, and multi-currency settlements, and match incoming wires with client orders, resolving mismatches and blocked operations.
• Manage liquidity : ensure timely settlement across all flows.

• Design the architecture : build and evolve Spiko's banking system as it grows more complex across FX, stable coins, credit, and new financial products.
• Partner with Product & Engineering : deliver infrastructure projects such as payment flows in stable coins or FX.
• Build procedures and controls : create procedures, first-line controls, and automations that let the banking system scale without breaking.
• Launch new products : contribute end-to-end to the banking setup of new financial products, from design to go-live.

• Manage banking providers : own relationships with our banking partners across payments, FX, and the depositary.
• Negotiate and onboard : work with Legal & Compliance on new agreements with banks and partners, and coordinate on risk-control matters.

• Reinforce controls : implement and improve first-line controls on client money flows.
• Support regulatory reporting : contribute to regulatory and risk reporting, including prudential reporting to the ACPR.
• Improve robustness : strengthen the auditability and resilience of banking processes.

We're open to several backgrounds - what matters most is operational rigor, autonomy, and a builder mindset in a regulated, fast-moving fintech environment.

• 3 to 8 years of experience in banking or payment operations, ideally in a Fintech, or within a bank.
• Strong working knowledge of banking systems and payment flows: SWIFT, SEPA, settlement cycles, multi-currency and FX.
• A builder mindset: you'd rather design a process, control, or automation once than execute the same manual task twice.
• Solid…