Payments Operations Specialist

Payments Operations Specialist

Building the bank of tomorrow takes more than skills. It means combining our differences to imagine, discuss, code, develop, test, learn… and celebrate every step together. Share our vibes? Join Swissquote to unleash your potential.

We are the Swiss Leader in Online Banking and we provide trading, investing and banking services to +500'000 clients, through our performant and secured digital platforms.

Our +1000 employees work in a flexible way, without dress code and in multicultural teams. By having a huge impact on the industry, they are growing their skills portfolio and boosting their career in a fast-pace environment.

We are all in at Swissquote. As an equal opportunity employer, we welcome candidates from all backgrounds, experiences and perspectives to join our team and contribute to our shared success.

Are you all in? Don't be shy, apply

Job Description

We are seeking a highly experienced Payment Operations Specialist to join our team and ensure the seamless execution, monitoring, and improvement of domestic and international payment processes. The ideal candidate brings strong operational expertise, a deep understanding of compliance and risk, and a proactive mindset geared toward continuous improvement.

Key Responsibilities

1. Operational Execution

• Ensure the accurate and timely processing of domestic and international payments.
• Investigate and resolve payment discrepancies, incomplete instructions, and suspense items.
• Monitor and prioritize operational emails related to daily activities.
• Adhere strictly to internal procedures and processing deadlines.

2. Monitoring & Reporting

• Produce regular (weekly/monthly) reports on project progress and operational incidents.
• Actively contribute to team meetings and promote effective communication within the team.

3. Project Management & Continuous Improvement

• Support the implementation of new tools and the evolution of existing processes.
• Identify opportunities for automation, process optimization, and risk mitigation.
• Collaborate closely with IT, Finance, Compliance, and Internal Control teams.

4. Risk & Compliance Management

• Identify and assess operational risks related to payment flows.
• Implement or strengthen first-level controls to ensure secure transaction processing.
• Contribute to ensuring compliance with regulatory and internal policy requirements.

5. Team Support & Knowledge Sharing

• Provide training and guidance to team members as needed.
• Act as the operational point of contact in the manager's absence or on designated topics.
• Ensure the proper execution of administrative follow-ups, including reconciliations, dispute handling, and case tracking

Qualifications

Minimum 5 years of experience in payment operations, ideally in a banking or financial institutional environment.

Strong expertise in various payment schemes (e.g., SWIFT, SEPA, PACS).

Solid knowledge of compliance, operational risk, and service quality standards.

Highly organized with a strong sense of ownership, analytical thinking, and problem-solving skills.

Excellent interpersonal and communication skills.

Fluent in English (minimum B2); French and/or German is a plus.