Payment Operations Analyst

About us:

BVNK is the stablecoin-powered financial stack for enterprises. We're now part of Mastercard, and together we're building a network for every form of money – one that delivers more reach, more capability and more choice.

We enable businesses to build financial products, unlock new markets, and move money in seconds across 130+ countries, with 40+ licenses for fiat and digital assets globally. Processing billions annually, we empower enterprises worldwide to send, receive, convert, and settle stablecoins and fiat seamlessly through a single integration.

Our mission is to accelerate global money movement, and we're assembling a world-class team to make it happen. Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, we deliver the infrastructure that makes new forms of money usable within the financial systems customers already rely on today.

By combining Mastercard's global payment reach and trusted networks with BVNK's stablecoin infrastructure, we're building the trusted operating layer for the evolution of money movement, helping customers participate in emerging digital networks without having to rebuild their businesses around every new innovation.

We're a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that BVNK is at the forefront of this shift.

About this role in the team:

Our team’s core mandate is to ensure all client payments are actioned correctly and timeously, acting as the central hub for rapid, cross-functional issue resolution. In practice, this involves executing daily manual and automated deposits, settlements, and third-party payouts while troubleshooting queries and reporting on operational KPIs and banking fees. You will also partner closely with Compliance on flagged transactions and RFIs, support Treasury with liquidity management and EMI safeguarding, and assist onboarding teams with new client account configurations.

Key Areas of Responsibilities:

Assisting with incoming deposits, client payments and settlements on a daily basis (manual or automated).

• Oversee the end-to-end merchant payment lifecycle, spanning pay-ins (deposits) and pay-outs (withdrawals), ensuring seamless transaction flows and rapidly resolving escalated payment issues within target SLAs. 
• 1+ years of experience 
• Collaborate with the operations team to maintain continuous service, participating in occasional rotational coverage for public holidays and outside standard hours.
• Working with compliance and monitoring teams with any flagged transactions, RFI’s and/or the whitelisting of counterparties
• Assistance, tracking and resolution of any open payment queries
• Assisting the on-boarding and client relationship management teams with setting up new client account, loading payment methods and helping to resolve queries as well as more general assistance where needed
• Assistance with client financial reporting where required
• Review statements and provide advice on issues pertaining to business finance
• Seek to maintain a positive professional relationship with partner financial intuitions, merchants and operational teams
• Assisting senior payment operations team members with any tasks or duties delegated
• Assist the Senior Manager in all financial decisions and ad hoc requests, where required.
• Assistance with safeguarding and reconciliation procedures around EMI operations
• Assistance with periodic reviews of fees for banking and payment partners
• Assist wider Finance and Operations  team with ad hoc requests
• Contribute to improving operational procedures through the adoption of AI tools, automation and digital solutions to drive efficiency and reduce manual effort
• Assist with payments project management when required

What we need from you:

Essential 

• Previous experience in a payments, finance or banking operations role. 
• Understanding of payment processing, settlements and reconciliation procedures
• Excellent written and verbal command of the English language
• In procession of Advanced Level Education Certificate, Banking Diploma or higher, Bcom/Bsc in Banking, Finance and Accounting.
• Strong attention to detail and ability to manage multiple priorities in a fast-paced environment
• Comfortable working with Excel and financial reporting tools
• Strong communication and interpersonal skills, with the ability to build and maintain professional relationships with internal teams, merchants and financial institutions
• Open to adopting new technologies and AI tools in day-to-day work
• Proactive, collaborative team player who is eager to contribute to process improvements
• Comfortable supporting across teams in a growing and dynamic business

Desirable

• Knowledge of EMI operations, safeguarding requirements and AML/compliance processes, including RFIs and transaction monitoring
• Knowledgeable about cryptocurrency, DeFi or neo-banking
• Financial reporting and payments experience is beneficial
• Knowledge in  tools such as Jira, Confluence, Zendesk, Quicksite and Tableau

What you can expect from us:

• Fair and competitive salary at every stage of your growth
• Flexible working hours, with hybrid working at its heart
• A culture built on passionate, growth-minded people
• A flexible approach to holiday
• Opportunities to travel to our offices around the world
• An open and creative environment where you can help us define the future of BVNK, its culture, and its opportunity sets

At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team.