Senior T2 Payment Operations Specialist (Remote)

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

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.