Head of Payments Operations

A client of ours specialised within Financial Services is looking to onboard a strategic and hands-on Head of Payments Operations to join their team:

Duties:

• Oversee daily payment operations including transaction routing, monitoring, reconciliations, exception handling, disputes and chargebacks, ensuring SLA adherence
• Translate business strategy into payment workflows, standard operating procedures, and controls that ensure accuracy, speed, resilience and regulatory compliance.
• Own the design and build of end-to-end payment processes across business operations (card, bank transfers, ACH/SEPA, SWIFT, wallets, and alterative payment methods), including processes, policies and controls.
• Build and maintain strong external partnerships and stakeholders, including banks, PSPs, acquirers, processors, and third-party technology providers.
• Define KPIs and dashboards to measure team performance, operational efficiency, and client satisfaction; drive continuous improvement initiatives.
• Ensure compliance with relevant payment regulations and standards (card network rules, SWIFT, AML, KYC, PSD2 and local payment regulations) in close collaboration with Compliance.
• Collaborate cross-functionally with finance, InvestTech, InvestOps, digital banking, and compliance teams, developing and maintaining policies, and risk controls covering liquidity risk, counterparty risk, and operational risk
• Act as the primary relationship owner for key banking partners on operational matters related to payments, accounts, liquidity and cash management product.
• Provide clear business requirements for all development requests to InvestTech team, and assist in testing and rolling out of new InvestTech features related to payment apps.
• Define and optimise intragroup payment processes related to treasury and liquidity processes, including cash positioning, forecasting, funding routines, and intragroup transfer frameworks.
• Support in managing group liquidity, cash investments, cash settlements for, continuously refining the operating model for payments and treasury across the group
• Establish and maintain comprehensive documentation (process maps, playbooks, user guides, and operations manuals) for all payment and treasury processes.
• Assess current capabilities, define future-state structures, and lead hiring and onboarding of hires in payments operations and treasury.

Requirements

• 5+ years’ experience in payments and treasury or cash management within banking, fintech, or payment institutions, including at least 2 years in a leadership role, building and scaling operations.
• Solid understanding of the end-to-end payments ecosystem: card schemes, ACH, wallets, checks, payment gateways, PayFac models, acquirers, and processors.
• Client-focused mindset with a strong commitment to safeguarding client assets and operational accuracy.
• Strong knowledge of card network regulations, anti-money laundering, and compliance frameworks related to payments and treasury.
• Proven track record of designing and implementing payments and treasury processes from scratch in a regulated financial services or banking environment.
• Excellent verbal and written communication skills in English

Benefits

• Health Insurance
• Dental Insurance

Education and experience

• Bachelor’s degree in Business, Finance, Economics, Management, Engineering, or a related discipline.

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All Finance Jobs in Malta involve understanding and managing of finances for private clients and organisations. Jobs in finance include client audit, compliance, corporate administration, pensions, trusts, risk and wealth management jobs.