Payment Operations Analyst

About

Swan is Europes embedded banking specialist. We empower software companies to embed banking features like accounts cards and payments directly into their products under their own processes over 1.5 billion in monthly transactions for more than 150 companieslike Pennylane Indy Agicap Libeo and Lucca. Founded in 2019 the company has received growth capital from leading investors such as Lakestar Accel Creandum Bpifrance and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution regulated by the French banking authority (ACPR).

Our mission

Banking belongs in business software

Many software companies already serve small businesses incredibly well: helping them send invoices run payroll manage inventory and more. Theyre on a mission to become the central hub for managing every aspect of business life.

But when it comes to financial workflows theres still a gap. Too many critical tasks like managing cash flow tracking payments or reconciling accounts happen outside the software across spreadsheets email threads banking portals.

Its a missed opportunity. Business software shouldnt just record financial activity it should run it.

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 Swans partners and end-users.

The Payment Operations team is accountable for the daily run of Swans 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 Swans 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. Swans 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

As a Payment Operations Analyst you will:

• 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 projects
  

Preferred experience

Youre 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

• Knowledge of Excel Metabase Forest Admin or SQL are a big plus

• Our ideal teammate: Empathetic. Skilled. Frank. We love to challenge each other and we leave our egos at the door.

Its okay if you dont tick all the boxes dont let imposter syndrome prevent you from applying!

Swan is committed to providing a caring work environment for all employees regardless of age sex disability sexual orientation race religion or belief.

When it comes to recruitment were interested in your work experience skills and overall personality. Because diversity makes the workplace stronger and is necessary for Swans success we are intensifying efforts to incorporate concrete actions to help us improve in this area.

About Swan

Perks of being a Swanee:

• Holidays : 25 days RTT

• Meal Vouchers: We provide a meal voucher card to cover your meals on work days.

• Transport: Monthly mobility package for accordance with the company agreement for sustainable mobilities you can now use your mobility package to pay for alternative commuting modes.

• Health insurance (mutuelle): Alan. This is Swans health and welfare insurance.

• Sports: Thanks to our partnership with Classpass and Gymlib you can enjoy advantageous discounts on subscriptions. They offer a wide range of sports activities as well as wellness activities.

• Well-being support: access to Moka Care for mental health and wellness.

• Hybrid remote policy: We offer the possibility of working from home for 2 days per week.

• Offsite: Once a year we gather to reconnect deep-dive into big topics and relax.

• This isnt a perk it should be the rule but diversity and inclusion are important at Swan. Were working hard to get better every day.

Our values:

Swans core values guide our actions daily. Individually they may seem obvious but together they form a unique culture.

Simplicity: Leonardo Da Vinci said: simplicity is the ultimate sophistication. If somethings convoluted or confusing we work extra hard to break it down. - Making complex things simple is what we do.

Long Term: We always play the long game whether its to support our partners in their growth journey or make tangible commitments to climate action.

Excellence: We are a team of experts who consistently go all out to create pixel-perfect banking services and exceed our partners expectations whatever it takes.

Be Human: We believe in the power of kindness and the importance of acting with integrity. But embracing our humanity extends beyond interpersonal interactions it means caring about greater issues that affect our planet.

You can find out more about our culture.

Recruitment process

• A 30-minute call with our Talent Acquisition Manager Leona to get to know you understand your career expectations and answer your questions

• An interview with Gwenaëlle our Payment Operations Lead

• A case study and an interview with Greta our Card team Supervisor

• An interview with Julien our Head of Payment