Head of Payments, Payment Institution

Our mission is to enable everyone to build wealth

We reinvent how trading and investing work by creating exceptional products people love. Fostering a culture of excellence and high velocity is the key to our success. Тoday, we serve over 6 million clients, with more than €30 billion in assets under management - a testament to the scale and trust we’ve built in just a few years.
 
## The role

The Head of Payments is a senior member of Trading 212 Money Europe Limited's (the 'Company' or 'T212 MIE') Payments function, supporting the Chief Operating Officer in establishing and maintaining a robust compliance framework. The role carries delegated responsibility for the day-to-day payment operations as a Central Bank of Ireland (CBI)-regulated Payment Institution.

The Head of Payments deputises for the Chief Operating Officer in their absence or where otherwise required, including in engagement with the CBI and other authorities.
 
## What you’ll do

- Develop, implement, and maintain the Company's payment operations framework to ensure payment services are delivered in compliance with regulatory and legislative requirements.
- Own and operate the Company's payment services, including the issuance of T212 debit cards, both physical and virtual and the execution of payment transactions through payment cards and credit transfers.
- Run the Cash Account and the T212 Card day-to-day across all channels.
- Manage the operational relationship with the issuer processor and with the card scheme.
- Maintain payment settlements, operating accounts, and daily reconciliation processes.
- Oversee chargebacks, disputes, and notifications of fraud.
- Detect, classify, manage, and escalate operational and security incidents affecting payment services, and support the notification process to stakeholders and clients.
- Produce dashboards and detailed reports for the Board and global governance committees.
- Lead the Payments team, building the function and fostering a culture of operational excellence.
- Act as a trusted advisor, providing expert guidance for new products and initiatives, working closely with compliance, risk, product, fraud, and tech teams to embed appropriate structures, automation, and processes within the design.
- Engender a strong organisation-wide culture of compliance and best practices.
 
## What you need to have

- Professional certifications such as QFA, ACCA, PMP/Prince, Certified Payments Professional designation, and/or equivalent are an advantage.
- Educated to a degree level in Finance, Business, Technology, or a related field is desirable.
- 5+ years of senior payments operations experience within EEA or Irish-regulated financial services (Payments) is required.
- Demonstrable experience of card issuing operations, including work with an issuer processor, a card scheme and a card production supplier.
- Practical experience of payment settlement, funding models, and daily reconciliation, and of the controls that sit around them.
- Experience with retail clients and/or consumers is a requirement.
- In-depth knowledge of European and Irish legislation, regulations, and guidance relating to European Payment Services and Electronic Money Directives.
 
## What we offer:

- Challenges that will help you grow and realize your potential fast.
- Opportunity to make a significant impact - you will build innovative services used by millions of investors to build wealth.
- Work with smart, spirited, helpful, high-performing colleagues with a common goal.
- An environment where nothing is set in stone.
- Appreciation for your talent and ideas.
- Generous remuneration package

Bring your ambition to Europe’s fastest-growing mobile broker!