Payment Operations Analyst

As a Payment Operations Analyst at BVNK, you join the team responsible for ensuring all client payments are actioned correctly and timeously. You act as the central hub for rapid, cross-functional issue resolution, executing daily manual and automated deposits, settlements, and third-party payouts while troubleshooting queries and reporting on operational KPIs and banking fees. You 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.

What you'll do

• 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
• Collaborate with the operations team to maintain continuous service, participating in occasional rotational coverage for public holidays and outside standard hours
• Work with compliance and monitoring teams on any flagged transactions, RFIs, and whitelisting of counterparties
• Track, assist with, and resolve any open payment queries
• Assist the onboarding and client relationship management teams with setting up new client accounts, loading payment methods, and resolving queries
• Assist with client financial reporting where required
• Review statements and provide advice on issues pertaining to business finance
• Maintain a positive professional relationship with partner financial institutions, merchants, and operational teams
• Assist senior payment operations team members with delegated tasks or duties
• Assist the Senior Manager in financial decisions and ad hoc requests where required
• Assist with safeguarding and reconciliation procedures around EMI operations
• Assist with periodic reviews of fees for banking and payment partners
• Support the 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 you bring

• 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
• Advanced Level Education Certificate, Banking Diploma, or higher qualification such as B.Com or B.Sc. in Banking, Finance, and Accounting
• Strong attention to detail and ability to manage multiple priorities
• 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 approach with eagerness to contribute to process improvements
• Comfortable supporting across teams in a growing business

Nice to have

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

What we offer

• Competitive salary of €40,000-€55,000 EUR (Malta)
• Flexible working hours with hybrid working
• Flexible approach to holiday
• Opportunities to travel to our offices around the world

About BVNK

BVNK is a stablecoin-powered financial stack for enterprises, now part of Mastercard. You 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. Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, BVNK delivers the infrastructure that makes new forms of money usable within the financial systems customers already rely on.