FinOps Lead: End-to-End Payments Operations

Ryft Pay Ltd; Manchester; On-site; GBP 60,000 - 90,000; Full time

Job summary

Ryft Pay Ltd in the UK seeks a Financial Operations Specialist to own reconciliations, safeguarding, settlement and reporting end-to-end. You’ll run daily processes, then automate them as we scale payments across markets and currencies.

You’ll work with Finance, Compliance, Engineering and our banking partners to ensure accuracy, drive dashboards and maintain SOPs for FCA audits and CASS 15 compliance.

Qualifications

• 4+ years in financial operations, payment operations, treasury or reconciliations at a payments company, EMI, acquirer or fintech.
• Hands-on daily reconciliations at volume with attention to detail.
• Knowledge of UK safeguarding rules (PSRs 2017, EMRs 2011, CASS 15) and audit expectations.
• Understanding of how card payments settle: schemes, acquirers, interchange and settlement cycles.
• Prefers building processes over manual work.
• Comfortable owning end-to-end processes and liaising with Finance, Compliance, Engineering and banking partners.

Responsibilities

• Reconciliations: run daily reconciliations across scheme and acquirer settlement reports, bank statements and internal ledger; investigate breaks.
• Safeguarding: own safeguarding reconciliations under CASS 15, monthly safeguarding return, support audits.
• Settlement and payouts: ensure merchants are paid correctly across currencies; handle split payments and escrow balances.
• Fees and cost of payments: reconcile interchanges, scheme and acquirer fees; flag margin leakage.
• Disputes and chargebacks: track financials of chargebacks, refunds and reserves.
• Month-end: feed payment data into close; assist revenue and balance sheet reconciliations.
• Automation: work with Engineering and Product to replace spreadsheets with automated recs, alerts and dashboards.
• Controls and documentation: maintain SOPs and evidence for auditors and the FCA.
• Expansion: help design finance ops for new payment flows, entities and licences (EU Malta licence).

Skills

Reconciliations

Financial operations

Compliance

UK safeguarding

Card settlements

Automation mindset

Collaboration

Tools

Python

Job description

Ryft Pay Ltd in the UK seeks a Financial Operations Specialist to own reconciliations, safeguarding, settlement and reporting end-to-end. You’ll run daily processes, then automate them as we scale payments across markets and currencies.

You’ll work with Finance, Compliance, Engineering and our banking partners to ensure accuracy, drive dashboards and maintain SOPs for FCA audits and CASS 15 compliance.