Senior Payments & Operations Specialist

Remote from Malta (Service Agreement)

Our client, a new EMI in Malta, is looking for a Senior Payments & Operations Specialist to manage daily payment operations, banking relationships, reconciliations, and crypto-related transactions. This role sits at the centre of the business, working closely with Finance, Technology, Compliance, and Customer Support teams to ensure smooth and efficient operations.

Key Responsibilities

Payments & Banking Operations

• Manage relationships with banking partners and payment providers.

• Handle payment issues, escalations, disputes, chargebacks, and refunds.

• Respond to Requests for Information (RFIs) from financial institutions.

• Monitor liquidity levels across FIAT and crypto payment channels.

Reconciliation & Reporting

• Perform regular reconciliations across payment flows, balances, and FX positions.

• Investigate discrepancies and work with internal teams to resolve issues.

• Escalate suspicious activity and operational risks when identified.

Crypto Operations

• Investigate and resolve blockchain transaction issues across multiple networks.

• Monitor network conditions and transaction performance.

• Execute crypto exchanges and support transaction monitoring processes.

Operations & Support

• Act as an escalation point for complex payment-related cases.

• Maintain client records and operational documentation.

• Create and improve SOPs, operational workflows, and internal processes.

• Support training and knowledge sharing within the Operations team.

Requirements

• Experience with payment operations, banking integrations, SWIFT, SEPA, FX, and reconciliations.

• Good understanding of crypto transactions, blockchain networks, and transaction monitoring.

• Experience handling disputes, chargebacks, RFIs, and operational investigations.

• Strong organisational skills with excellent attention to detail.

• Ability to work independently in a fast-paced startup environment.

• Strong communication skills and a proactive, problem-solving mindset.

• Knowledge of AML, compliance processes, and fraud escalation procedures.

• Experience using AI tools to improve workflows and efficiency.

Nice to Have

• Experience with Intercom and Sumsub.

• Liquidity management and financial reporting experience.

• Exposure to crypto monitoring tools.

• Experience working closely with Finance and Technology teams.

What's on Offer

• Fully remote role.

• Monday to Friday office hours.

• Service Agreement contract.

• Salary: €35,000 - €38,000 gross per year, depending on experience.

• Opportunity to join a fast-growing fintech and crypto-focused business with significant autonomy and ownership.