Payment Operations Efficiency & AI Automation

swan.io; Paris; Sur place; EUR 80 000 - 110 000; Plein temps

Résumé du poste

Swan, Europe’s embedded banking specialist, seeks a Payment Operations Efficiency & AI Automation expert to lead discovery, design AI agents, and scale automation across banking transaction processes. You will partner with internal teams and financial partners to drive efficiency, implement responsible AI with human-in-the-loop, and define KPIs to measure impact.

The role emphasizes scaling automation while managing risk, with a focus on payment flows, reconciliation, and operational procedures.

Qualifications

• 2+ years of experience driving operational excellence, process redesign, or automation.
• Translate operations into clear problem statements, requirements, and measurable KPIs.
• Comfort with experimenting with AI tooling (LLMs, agents, automation platforms) and understanding controls, human-in-the-loop, and auditability.
• Clear communication with operational and technical stakeholders and influence without formal authority.
• Experience in a payment services provider or a bank is a plus.
• Knowledge of the payments/banking industry is a plus.

Responsabilités

• Lead discovery to identify operation pain points, inefficiencies, and risks, focusing on AI opportunities.
• 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.
• Translate insights into actionable requirements for processes, tools, and AI agents.
• Contribute to the definition of the AI roadmap.
• Oversee end-to-end implementation of improvements, balancing quick wins with investments.
• Establish and monitor KPIs for quality, satisfaction, risk, adoption, performance, and impact.
• Mentor supervisors on process efficiencies and AI tooling.

Connaissances

Operational excellence

Process redesign

Automation

AI tooling

Stakeholder communication

Problem solving

Outils

LLMs

Automation platforms

Description du poste

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.

Responsibilities

Within the Payment Operations team, responsibilities include:

• End-to-end support & resolution of banking transaction incidents with internal and external 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 (under 0.001% of total transactions)
• Expertise and support to Swan teams (Technical Account Management, Customer Support, KYC, etc.)
• Physical cards stock management with Swan's physical card manufacturer
• Card disputes and chargebacks management
• 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

Role: Payment Operations Efficiency & AI Automation

• Lead discovery efforts to identify operation pain points, inefficiencies, and risks, focusing on AI opportunities
• 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
• Translate insights into actionable requirements for processes, tools, and AI agents
• Contribute to the definition of the AI roadmap
• Prioritize competing demands and maintain urgency and high agency
• Oversee end-to-end implementation of improvements, balancing quick wins with investments
• Establish and monitor high-level success metrics/KPIs for quality, satisfaction, risk, adoption, performance, and impact
• Mentor supervisors on process efficiencies and AI tooling, guiding them through complex situations

Preferred Experience

• 2+ years of experience driving operational excellence, process redesign, or automation in ops/risk/compliance or product-ops environments (payments/fintech strongly preferred).
• Ability to translate operations into clear problem statements, requirements, and measurable KPIs; enjoyment of end-to-end execution from discovery to rollout.
• Comfort with experimenting with AI tooling (LLMs, agents, automation platforms) and understanding of controls, human-in-the-loop, and auditability in regulated environments.
• Clear communication with operational and technical stakeholders and influence without formal authority.
• Experience in a payment services provider or a bank is a plus.
• Knowledge and operational background in the payments/banking industry is a plus.

Swan is committed to providing a caring work environment for all employees, regardless of age, sex, disability, sexual orientation, race, religion, or belief.