AI-Driven Payments Operations Analyst

Jobtailor; Greater London; On-site; GBP 36,000 - 48,000; Full time

Job summary

Jobtailor is seeking a meticulous Payments Operations Specialist to manage daily payment runs across our fintech platform, handling Direct Debits, Open Banking, card payments, Faster payments and bank transfers.

You will identify anomalies, collaborate with AML and Fraud teams, and ensure FCA and CASS compliance while using data dashboards and AI tools to streamline tasks.

Qualifications

• Meticulous approach to figures and ledgers in a fast-paced environment.
• Comfortable analysing transactional data to spot trends and anomalies.
• Experience in high-volume transactional environments (Fintech, banking, or payments).

Responsibilities

• Manage daily payment runs across internal systems and payment methods (Direct Debits, Open Banking, Cards, Faster Payments, bank transfers).
• Spot unusual payment patterns and work with tech teams on permanent fixes.
• Oversee end-to-end money flow across products and handle payment exceptions.
• Perform daily checks and authorise transactions to keep ledgers aligned with bank accounts.
• Collaborate with AML and Financial Crime teams for daily checks and preventative actions.
• Ensure compliance with FCA guidelines and CASS (Client Money) rules.
• Liaise with teams across the business (Capital Market Ops, Collections, Customer Success).
• Respond to payment inquiries from colleagues and customers clearly and efficiently.

Skills

Payment processing

Data analysis

Attention to detail

Problem solving

AML awareness

Regulatory compliance

Tools

Excel

Data Dashboards

Generative AI Tools

Job description

• Managing daily payment runs across our bespoke internal systems, handling both inbound and outbound transactions (Direct Debits, Open banking, Card payments, Faster payments, and bank transfers).
• Spotting unusual payment patterns and irregular account behaviour— applying an immediate solution while working with our tech teams on permanent system fixes.
• Mastering the end-to-end flow of money across our various products (including Term Loans and FlexiPay), knowing exactly how to handle and route payment exceptions.
• Carrying out daily operational checks and authorising internal and external transactions correctly, ensuring our data aligns perfectly to prevent any breaks between internal ledgers and bank accounts.
• Working closely with the AML and Financial Crime teams —supplying the AML team with the transaction data they need for daily checks, and ensuring preventative measures are actioned at the request of the Fraud team.
• Keeping our processes fully compliant with regulatory standards, focusing on FCA guidelines and CASS (Client Money) rules.
• Liaising with teams across the business, including Capital Market Operations, Collections, and Customer Success.
• Answering payment queries from internal colleagues and external customers clearly and efficiently.

Requirements

• A sharp eye for detail: A meticulous approach to checking figures and ledgers in a fast-paced environment where minor mistakes have a direct financial impact.
• Comfortable with data: Happy looking at transactional data to spot trends, anomalies, or system drops, using Excel or basic data dashboards.
• Practical problem-solving: The ability to track down ambiguous payment exceptions and handle manual workarounds calmly when things don't go to plan.
• Operations experience: Background working in a high-volume transactional environment (e.g. Fintech, payment processing, retail banking, or busy financial administration).
• CASS or Client Money awareness: A good baseline understanding of safeguarding client funds and working within an FCA-regulated environment.
• Able to proactively identify ways to use Generative AI to streamline your daily tasks and improve your personal productivity.
• Confident using approved AI tools safely and effectively to enhance your output and find a better way of working.

Core Competencies

Demonstrates expertise in managing payment transactions and ensuring compliance with FCA guidelines and CASS rules. Proficient in analyzing transactional data to identify anomalies and streamline operations using AI tools.

Highest-signal resume keywords

• Payment Transaction Management
• FCA Compliance
• CASS Awareness
• Data Analysis
• Problem-Solving

ATS Optimization Keywords

Hard Skills

• Payment Processing
• Transaction Data Analysis
• Excel
• Operational Checks
• Payment Exception Handling

Soft Skills

• Attention to Detail
• Practical Problem-Solving
• Effective Communication

Industry Keywords

• Fintech
• Retail Banking
• Financial Administration
• AML
• Financial Crime

Tools & Technologies

• Generative AI Tools
• Data Dashboards