Senior/Lead Payment Specialist

PayDo, a leading Electronic Money Institution (EMI) authorised by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140 countries and over 25 industries. Offering multicurrency IBANs, merchant solutions, and mass payment options, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for local and international payments.

As a Payments Lead at PayDo, you'll play a key role in optimising payment performance across different channels: banking, acquiring, alternative payment methods, and debit card payments, with a strong focus on banking. Collaborating with business stakeholders and partnering financial institutions, you'll implement payment solutions and drive efficiency while expanding our partner network.

Your regular tasks

Payment Operations & Analytics:

• Payment Tracking: Ensure all payments are monitored and tracked efficiently using available tools, and resolve any issues promptly
• Collaborate with cross-functional teams (Key Account Management, Support, Finance, and IT) by providing updates, clarifications, and resolving payment-related issues
• Address failed payments and delays, escalate complex issues when needed, and ensure proper documentation is maintained throughout the process
• Take ownership of your respective Tableau dashboards to monitor the operations and performance of payment channels
• Analyse payment data to track conversion, identify patterns, trends, anomalies, and other relevant metrics in Tableau
  
  

Collaboration with Payment Providers:

• Manage and maintain relationships with payment providers, banks, and financial institutions to improve system robustness
• Evaluate and recommend new payment providers/methods that align with business goals
• Assist in the onboarding process of new payment providers to expand our product offering (i.e. financial forecasts related to payment volume projections)
• Collaborate with business stakeholders to understand and implement payment requirements and configurations
• Conduct thorough testing of new/existing payment channels and collaborate with payment providers to resolve them
  
  

SWIFT:

• Work within Swift Alliance Cloud to check incoming/outgoing payments, payment queues, and configurations
• Contact banking partners to verify whether the payment was received, delayed, or rejected
• Use MT103 or UETR (for SWIFT GPI transactions) to track the payment's status
  
  

Skills and qualifications

• 3+ years of proven experience in payment operations or related roles within FinTech or Banking
• A proactive approach to driving initiatives and improvements is a must
• Strong understanding and experience working with the following payment rails: SWIFT, SEPA, SEPA Inst, SEPA DD, FPS.
• Knowledge of SWIFT Message Types such as MT/MX and understanding of transaction details in such messages (correspondent banks, amount, currency, sender, and recipient information, etc.)
• Experience working with SWIFT RMA and/or understanding of different SWIFT messaging services, such as FIN or FileAct, would be a big plus
• Experience working and communicating with different types of financial institutions (banks, fintechs, PSPs)
• Experience with Tableau, Power BI, or similar tools is a strong plus
• Comfortable working in Excel or Google Sheets, with the ability to analyse large datasets
• At least a general understanding of financial regulations and AML requirements
• Excellent communication skills to collaborate with both technical and non-technical teams
• Advanced level of English proficiency
  
  

What's In It For You

At PayDo, specialists are at the heart of our innovation and success. Joining our team means accessing unparalleled opportunities to grow, contribute, and thrive in a dynamic FinTech environment.

• Empowerment Through Professional Development:
• Monthly investment in your English learning
• Yearly allocation for advancing your professional expertise
• Unlock Your Potential:
• Transparent career growth with opportunities to achieve Lead roles within 1 year, Head roles in 2 years, and even C-level within 4 years, based on exceptional performance
• Performance reviews are anchored in KPIs, ensuring recognition is merit-based
• Make a Lasting Impact:
• Work on unique projects where your contributions can reshape company-wide processes
• Bring your ideas to the table and earn exceptional bonuses through our PayDo Ideas Hub
• Flexible and People-Centric Culture:
• Days of paid vacation annually, with the flexibility to transfer unused days or receive compensation
• Days of paid sick leave annually, accommodating emergencies and medical needs
• Additional holidays aligned with your local calendar
• Compensation & Incentives:
• Multiple payment options, including Private Entrepreneurship accounts or popular e-wallets
  

Our Values:

At PayDo, we live by principles that drive us to excellence:

• Ownership & Initiative: Specialists who take charge and make a difference
• Collaboration & Communication: Together, we achieve more by sharing ideas and insights
  
  

Become part of a global team redefining FinTech. Your expertise, passion, and ideas will shape the future of payments with PayDo!