Senior Specialist, T2 / Target2 Payment Operations

Finom; España; Remote; EUR 70,000 - 110,000; Full time

Job summary

Finom is seeking a Senior Specialist for T2 (Target2) Payment Operations to design, document, and run end-to-end payment processes in a cross-border setup. You will own SCT/SCT Inst recalls, investigations, and SWIFT messaging while coordinating with partner banks and Eurosystem.

You’ll lead migration efforts to direct participation, ensure BAU stability, and collaborate with Product and Engineering to define platform behavior. This role offers remote work across multiple EU locations.

Qualifications

• Hands-on experience with T2 / TARGET Services (RTGS, TIPS).
• 2–3+ years in payment operations at a bank, EMI or PSP, preferably with SEPA (SCT, SCT Inst).
• Familiarity with investigations, recalls, returns and SWIFT / ISO 20022 messaging.
• Experience writing SOPs and controls.

Responsibilities

• 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.

Skills

T2 / TARGET Services

Payment operations

SWIFT / ISO 20022 messaging

Investigations / recalls / returns

SOPs & controls

SEPA schemes experience

Job description

About Finom

Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.

We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.

Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.

At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.

Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.

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