Senior Specialist, T2 / Target2 Payment Operations

Senior Specialist, T2 (Target2) Payment Operations 
Location: Remote in Netherlands, Spain, Cyprus or Poland
The role
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.
What we’re looking for
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

What You Will Get In Return
 
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
 
Embark on this exciting journey with us and 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. This exciting opportunity is available to every team member, from junior team members to our founders.
 
Receive unwavering support and care
 
Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.
 
Work & Swim program
 
Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.
 
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.