[Hiring] Senior Specialist, T2 Payment Operations @Finom

Role Description

We’re moving from indirect to direct participation in TARGET2 (T2), and we need someone to own the operational side end to end. You’ll design and document the Payment Operations processes, validate them in the August UAT, cut over BIC by BIC, and then run them as business-as-usual. You’ll be the operational contact for the T2 scheme, DNB and our partner banks.

What you’ll do

• Own core payment processes:
  • SCT / SCT Inst recalls, investigations (including pacs.028), SWIFT enquiries (MT199/MT999, RFIs), missing or incoming funds, and rejects, returns and refunds.
• Run the T2 platform day to day:
  • Work in the T2 GUI (U2A/A2A), maintain CRDM reference data, and set up four-eyes controls and the manual-vs-automated split.
• Manage the migration:
  • Move traffic from BNP Paribas to direct participation, with every payment traceable by BIC and path, and define when each BNPP-dependent step can be retired.
• Cover reconciliation and liquidity:
  • Be the Payment Ops link to the reconciliation team (funding and defunding stay with Finance Ops/Treasury).
• Handle incidents and contingency:
  • Build the incident process around DNB, FIS and TARGET escalation routes, own Payment Ops’ role in DNB reporting, and define the ECONS II contingency approach.
• Coordinate with others:
  • Work with the Eurosystem, DNB, SWIFT/NEXI, FIS and correspondent banks, and partner with Product and Engineering to specify how the platform should behave.

What success looks like

• Every direct-participation process has an owner, documented procedures, and passing UAT evidence.
• The migration causes no impact on customers, and Customer Support has clear guidance.
• After go-live, T2 runs as stable BAU with no remaining BNPP operational dependency.

Qualifications

• Hands-on experience with T2 / TARGET Services (RTGS, TIPS), including the GUI and U2A/A2A actions.
• Around 2-3+ years in payment operations at a bank, EMI or PSP, ideally with SEPA schemes (SCT, SCT Inst).
• Familiarity with investigations, recalls, returns and SWIFT / ISO 20022 messaging.
• Experience writing SOPs and controls, or the ability to pick it up quickly.
• Comfort working with regulators, partners and technical teams.
• Enough ownership to make sign-off and escalation decisions with support from the team.
• Fluent English.

Nice to have

• Experience with CRDM reference-data maintenance.
• Involvement in a direct-participation onboarding or sponsor-bank migration.
• Knowledge of DNB / TARGET-NL conditions, IPR, PSD2, or ECONS II contingency processes.

Benefits

• Make a genuine impact on the product.
• Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.
• Work in the EU: Enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.
• Become a stock options holder: Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program.
• Receive unwavering support and care: Finom stands by you at every step, embodying our commitment to your well-being and success.
• Work & Swim program: Spend one month in a comfortable corporate apartment in enchanting Cyprus.

Equal Opportunity Statement

At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.