Payment Operations Senior Associate

Location: London
Salary: £28,500 per annum
Working Pattern: Full-time | Fully Office Based

The Opportunity

We are seeking a motivated and detail-oriented Payment Operations Senior Associate to join a growing Operations team within a fast-paced banking environment. This role will focus on the timely and accurate processing of domestic and international payment requests, supporting wholesale banking operations and ensuring high standards of operational efficiency, compliance, and client service.

This is an excellent opportunity for someone with payment operations or banking operations experience looking to further develop their career within a professional financial services environment.

Key Responsibilities

• Monitor the daily flow of payment remittance requests raised by internal stakeholders
• Process domestic and international cross-border payment transactions accurately and within currency cut-off times
• Manage funding and currency positioning activities for Treasury reporting through the Request Management System (RMS)
• Upload FX deal tickets for currency buy/sell transactions
• Monitor incoming client monies and apply credits within the core banking system
• Process returns of funds to remitting banks using SWIFT messaging formats including MT199 and MT299
• Process Mastercard payments on a daily basis
• Raise and manage payment-related queries through CRM systems and follow up accordingly
• Ensure full adherence to AML, KYC, and internal compliance procedures
• Support the wider Operations team with additional tasks as required

Skills & Experience

• Previous experience within payments operations, banking operations, or financial services is desirable
• Understanding of inward and outward payment processing is advantageous
• Knowledge of SWIFT payment message types would be beneficial
• Exposure to FX transactions or treasury-related activities is desirable
• Familiarity with core banking systems such as Finacle is advantageous but not essential
• Awareness of AML, KYC, sanctions, and payment regulations is beneficial
• Strong attention to detail and ability to manage complex transactions accurately
• Excellent organisational and time management skills
• Strong communication and interpersonal skills
• Ability to work effectively under pressure and meet strict deadlines
• Team player with a proactive and reliable approach

What We're Looking For

The successful candidate will be methodical, self-driven, and highly dependable, with a strong work ethic and willingness to learn. You will be comfortable working within a fast-paced operational environment and able to manage multiple priorities while maintaining high levels of accuracy and professionalism.