Payment Operations Efficiency & AI Automation

Swan

Paris

Hybrid

EUR 70,000 - 90,000

Full time

14 days+

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Benefits offered by this job

Holidays 25 days + RTT

Meal Vouchers (Swile)

Transport mobility package

Health insurance (Alan)

Sports discounts (Classpass/Gymlib)

Well-being support (Moka Care)

Hybrid remote policy: 2 days/wk from

Annual offsite gathering

Diversity and inclusion initiatives

Job summary

Swan, Europe’s embedded banking specialist, is seeking a Payment Operations Efficiency & AI Automation professional in Paris. The role focuses on driving AI-powered improvements across payment operations, reducing manual work, and partnering with Product, Compliance, and Data teams to design scalable solutions.

You will lead discovery, build and test AI agents, and ensure responsible AI adoption within a regulated environment, while mentoring teams and delivering measurable impact.

Qualifications

2+ years of experience driving operational excellence, process redesign, or automation initiatives in ops/risk/compliance/product-ops (payments/fintech preferred).
Ability to translate operations into clear problem statements, requirements, and measurable KPIs; end-to-end rollout experience.
Comfort with experimenting with AI tooling (LLMs, agents, automation platforms) and a strong emphasis on controls and auditability.

Responsibilities

Lead discovery to identify Payment Operations pain points, inefficiencies, and risks, especially where AI can reduce manual work.
Design, test, and scale AI agents and automation experiments to enhance efficiency while minimizing risk.
Champion responsible AI adoption with human-in-the-loop, controls, and guardrails in a regulated payments environment.
Oversee end-to-end implementation of improvements, from AI deployment to process redesign, balancing quick wins with foundational investments.

Skills

Operational Excellence

Process Redesign

Automation Initiatives

AI Tooling

Stakeholder Communication

Payments/Fintech Experience

Job description

About Swan is Europe’s embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand. Swan processes over €1.5 billion in monthly transactions for more than 150 companies - like 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).

Summary

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 toward a future in which all of the complexities that come 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 Swan’s partners and end-users.

Payment Operations team

The Payment Operations team is accountable for the daily run of Swan’s payment engine & operations. Specifically, they manage:

End-to-end support & resolution of banking transactions-related incidents with internal (Engineering, Compliance, Product, etc.) and external (partner banks, card processors, card networks, card manufacturers, etc.) stakeholders
Clearing vs. settlement controls and reconciliation on all payment flows
Management of operational/day-to-day relationships with Swan’s 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 with Swan’s physical card manufacturer
Card disputes and chargebacks management

Regulatory Obligations & Controls

Control of automated client cash segregation processes
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

Payment Operations Efficiency & AI Automation

As a Payment Operations Efficiency & AI Automation, you report to the Payment Operations Lead, partner closely with the Staff Payment Operations, work horizontally, and drive AI-powered improvements across Payment Operations while serving as an advisor on efficiency, automation, and complex operational situations:

Lead thorough discovery efforts to identify Payment Operations pain points, inefficiencies, and operational risks, with a sharp eye for where AI and AI agents can remove manual work, in collaboration with internal stakeholders (Product, Compliance, Data, Tech, Security, etc.)
Design, test, and scale AI agents and automation experiments (Case Management, agentic workflows, LLM-based controls, etc.) to enhance operational efficiency while minimizing operational risk
Champion responsible AI adoption: embed the right human-in-the-loop, controls, and guardrails so automation stays safe in a regulated payments environment
Transform insights into actionable requirements for payment operations processes, tools, and AI agentsActively contribute to the definition of the payment operations efficiency & AI roadmap
Effectively prioritize competing demands and dependencies while maintaining urgency and high agency
Oversee end-to-end implementation of improvements, from AI agent deployment to process redesign, balancing quick wins with foundational investments while minimizing operational risk
Establish and monitor high-level success metrics/KPIs for quality, user satisfaction, operational risk, AI adoption and performance, and business impact
Mentor Payment Operations Supervisors on process efficiencies and AI tooling, and guide them through complex operational situations (incidents, etc.)

Preferred Experience

You have 2+ years of experience driving operational excellence, process redesign, or automation initiatives in an ops/risk/compliance / product-ops environment (payments/fintech strongly preferred).
You can translate real-life operations into clear problem statements, requirements, and measurable KPIs — and you enjoy working end-to-end from discovery to rollout.
You are comfortable experimenting with AI tooling (LLMs, agents, automation platforms) and you understand the importance of controls, human-in-the-loop, and auditability in regulated environments.
You communicate clearly with both operational and technical stakeholders (Ops, Product, Data, Engineering, Compliance/Security) and can influence without formal authority.
You have (or have worked closely with) experience in a payment services provider or a bank — this is a plus.
You bring knowledge and an operational background in the payments/banking industry — this is a plus.

It’s okay if you don’t tick all the boxes — don’t 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, we’re interested in your work experience, skills, and overall personality. Because diversity makes the workplace stronger and is necessary for Swan’s 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 Swile card to cover your meals on work days.
Transport: Monthly mobility package for employees. In 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 Swan’s 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 isn’t a perk, it should be the rule, but diversity and inclusion are important at Swan. We’re working hard to get better every day.

Our values

Swan’s 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 something's 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 it’s 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