Junior Payment Specialist

Role Overview

Payment Processing and Operations

• Process client deposits, withdrawals, transfers, and payment requests within agreed service levels.
• Monitor payment queues and ensure timely execution of transactions.
• Handle high-volume transactions across banking channels, payment gateways, and digital asset networks.
• Verify transaction details against internal controls and operational procedures.

Monitoring and Reconciliation

• Monitor transactions for accuracy, completeness, and potential irregularities.
• Perform daily reconciliations between banks, payment providers, wallets, and internal systems.
• Investigate payment discrepancies, settlement breaks, and transaction exceptions.
• Maintain accurate transaction records and audit trails.

Financial Product Support

• Support payment activities involving digital assets, FX, equities, CFDs, commodities, futures, and other financial products.
• Monitor wallet activity and assist with digital asset transfers and funding operations.
• Coordinate settlement and funding activities across trading platforms and payment systems.

Risk and Compliance

• Follow AML, KYC, sanctions screening, and transaction monitoring procedures.
• Identify and escalate suspicious or unusual transactions according to company policies.
• Maintain compliance with regulatory requirements and internal risk management frameworks.
• Support audit and compliance reviews through accurate documentation.

Stakeholder Coordination

• Collaborate with Operations, Finance, Compliance, Customer Support, Treasury, and Technology teams.
• Liaise with banks, payment service providers, and external partners on processing and investigations.
• Provide timely updates on payment statuses and issue resolutions.

Operational Excellence

• Contribute to process improvements and payment automation initiatives.
• Assist in developing and maintaining standard operating procedures.
• Support testing and implementation of new payment methods and operational enhancements.
• Maintain high levels of accuracy, efficiency, and service quality.

Qualifications and Requirements

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, Banking, Financial Services, or a related field.
• 1–3 years of relevant experience in payment, banking, FinTech, brokerage, financial services, or digital asset operations.
• Experience processing deposits, withdrawals, transfers, settlements, high-volume transactions, and payment investigations.
• Working knowledge of payment workflows, settlement cycles, AML/KYC, transaction monitoring, Excel, and reconciliation activities.
• Exposure to traditional financial products and digital asset environments is preferred.