Netherlands•Poland•Spain
Remote
Senior
Full Time
remotepayment operationsTARGET2financial servicessenior
Requirements
- •Experience in payment operations at a bank, EMI or PSP covering SEPA schemes (SCT, SCT Inst) and TARGET Services with direct connectivity.
- •Working knowledge of payment investigations, recalls, returns and SWIFT/ISO 20022 messaging (MT199/MT999, pacs/camt/pain).
- •Comfort operating central-infrastructure interfaces hands-on (T2 GUI, CRDM, reconciliation and liquidity-monitoring tools) including U2A/A2A actions.
- •Strong process design and documentation skills to author DNB-ready SOPs, define four-eyes controls and authorization matrices, and produce audit-quality evidence.
- •Confidence coordinating with regulators and external parties (DNB, Eurosystem, SWIFT/NSP, service providers, correspondent banks).
- •Senior enough to own sign-offs, incident escalation and DNB-reporting decisions independently.
- •Familiarity with DNB/TARGET-NL conditions, Instant Payments Regulation (IPR) and EMI/PSD2 operational obligations.
- •Minimum 3+ years of experience in payment operations with hands-on exposure to SEPA schemes and TARGET Services direct connectivity.
- •Professional fluency in English for regulatory and cross-border coordination.
What You'll Do
- •Own the operational set-up for TARGET2 (T2) and maintain the operational infrastructure.
- •Design and document the operating model before go-live and validate it in end-to-end UAT.
- •Manage payment operations processes including recalls, SCT/SCT Inst inquiries and investigations, SWIFT message handling, incoming/missing funds monitoring, rejects, returns and refunds.
- •Operate and own the T2 GUI/dashboard for payment tracking, returns, liquidity visibility and fallback/manual actions.
- •Define and maintain operational setup including CRDM reference-data maintenance, TARGET access and authorization matrix.
- •Manage migration from indirect participation to direct participation ensuring routability and traceability.
- •Own Payment Ops interface into daily reconciliation and escalate liquidity issues affecting payment execution.
- •Redesign incident process for direct participation and own operational payment-impact assessment.
- •Own Payment Ops role in DNB notifications and reporting and maintain evidence to DNB readiness standard.
- •Define Payment Ops role in Eurosystem contingency solution (ECONS II) including training and test evidence.
- •Coordinate directly with T2 scheme/Eurosystem, DNB, SWIFT/NSP, FIS service provider and other banks/correspondents.
- •Partner with Product and Engineering teams to test interfaces and specify operational requirements.
- •Work closely with reconciliation team on liquidity management and operational processes.
Nice to Have
- •Prior involvement in direct TARGET/RTGS/TIPS onboarding or sponsor-bank-to-direct-participation migration.
- •Experience standing up incident management and contingency (ECONS II) processes for payment infrastructure.
Benefits
- •Make a genuine impact on the product with continuous personal and professional development.
- •Work in the EU with flexibility of traveling and working remotely or in a hybrid model across Europe.
- •Become a stock options holder through the Stock Options Program available to all team members.
- •Receive unwavering support and care in a modern, friendly, and eco-conscious corporate culture.
- •Participate in the Work & Swim program spending one month in a corporate apartment in Cyprus for work-life balance.
About Finom
Finom provides an online payment solution that integrates business accounts, invoicing, and accounting.
Amsterdam, Netherlands
500 - 1000
Finance