Senior Payment Operations Analyst

About

 
Swan is the leading European fintech specialized in embedded banking. A laureate of the French government’s selective year list of tech champions, “French Tech Next 120,” we are quickly expanding across Europe.

Over 100 European companies have already seamlessly integrated banking services such as accounts, cards, and payments into their products through our Banking-as-a-Service platform. This approach, known as “embedded finance”, empowers businesses to elevate their offerings and create new revenue streams — often times tripling their revenue!

Our founders’ vision from the beginning was Simplicity: that anyone with a fintech idea at 2 am can visit our website, start building, and buy themselves a coffee with a self-issued card the very next day. That vision has taken us far.

Following a 38M€ Series B round last September, we have been doubling our headcount and already have over 230 Swanees across offices in Paris, Bordeaux, Berlin, Barcelona, Amsterdam, and Milan! If you’re excited about joining a European fintech adventure, Swan is the way!

To learn more about us: About Swan ; Our story.

Job description

The Payment group at Swan leverages industry knowledge, payments expertise, and general acumen to build and operate the banking products & platform that power money movements for all Swan financial products.

Ultimately, the group is working towards a future in which all of the complexity that comes with handling money (e.g. adopting new payment methods, booking and reconciling entries - technical vs. accounting vs. cash, integrating with banks and financial partners globally, addressing regulatory obligations, etc.) is hidden from Swan's partners and end-users.

The Payment Operations team is accountable for the daily run of Swan's payment operations. Specifically, we manage:

Banking Transactions (Credit Transfers, Direct Debits, Cards, etc.)

• End-to-end resolution of banking transactions-related incidents with internal (Engineering, etc.) and external (partner banks, card issuing processor, card scheme, card manufacturer, etc.) stakeholders
• Clearing vs. settlement controls and reconciliation on all payment flows
• Management of operational/day-to-day relationships with Swan's financial partners and identification of process inefficiencies
• Execution of non-STP transactions (<0.001% of total transactions)
• Expertise and support to Swan teams (Technical Account Management, Customer Support, KYC, etc.)

Physical Cards & Chargebacks

• Physical cards stock management w. Swan's card manufacturer
  
• Card disputes and chargebacks management

Regulatory Obligations & Controls

• Control of automated cash segregation processes
• Production of accounting and regulatory exports
• Production of performance/fees reports for card schemes (Mastercard) and X-Pays (Apple Pay, Google Pay) as well as ad-hoc reports
• Creation and maintenance of operational procedures
• Level-1 controls on payment operations processes & actions

✨ Your mission

• Run daily payment operations processes, actively participate in our continuous improvement approach, and help elaborate best practices, as we continue to launch and scale new payment products & services
• Collaborate with other Payment Operations Analysts and help foster knowledge sharing among the team
• Participate in tight feedback loops with Payment product managers and other internal stakeholders to improve product & processes
• Lead specific ad-hoc payment operations improvement project.

Preferred experience

✨ You’re a great match if:

• Excellent organizational and analytical abilities
  
• Strong written and verbal communication skills
  
• Demonstrated team player with a curious mindset
  
• Adaptability to evolving and fast-paced environments
  
• Professional proficiency in English
  
• Previous experience in a payment services provider or a bank is a plus but not mandatory
  
• Our ideal teammate is empathetic. Skilled. Frank. We love to challenge each other, and we leave our egos at the door.

It’s okay if you don’t tick all the boxes — don’t let imposter syndrome prevent you from applying! 🙌 

Swan is committed to providing a caring work environmen