Operational Treasury Analyst

Lumon Pay Ltd; London Borough of Islington; Hybrid; GBP 30,000 - 42,000; Full time

Benefits offered by this job

25 days annual leave

Birthday off

Hybrid working

Private medical cover

Pension

Life assurance

Cycle to work

Season ticket loan

Specsavers voucher

Employee Assistance Programme

Gym discounts

Lunch and social events

Enhanced parental leave

Job summary

Lumon Pay Ltd is seeking an entry‑level Operational Treasury Analyst to join our Group Treasury team. You will support daily treasury operations across the UK and Ireland, covering cash and liquidity management, reconciliations, FX trading and settlement, collateral, and treasury reporting.

You will work with experienced colleagues across Treasury and the wider business, gaining hands-on experience in an international payments and FX business and taking on more responsibility as you grow your

Qualifications

• Finance-related degree or experience in a finance-based role.
• Proficient with Excel (lookups, SUMIFS, pivot tables).
• Careful, methodical approach with a keen eye for detail.
• Good communication and ability to build relationships with colleagues and external counterparties.
• Well organized, proactive and able to work both independently and as part of a team.
• Genuine interest in treasury, foreign exchange, cash management or financial markets.

Responsibilities

• Cash and liquidity: Monitor and manage FX account and cash balances across Group entities.
• Cash and liquidity: Manage next-day currency requirements to minimise liquidity impact.
• Cash and liquidity: Support the execution of FX swaps for cash management purposes.
• Reconciliations and controls: Perform daily reconciliations of Treasury bank and FX accounts, including safeguarding reconciliations.
• Reconciliations and controls: Reconcile client FX trades booked in our internal platform against counterparty positions.
• Reconciliations and controls: Support the reconciliation of FX positions.
• Trading and settlement: Execute trades with counterparties within approved limits.
• Trading and settlement: Carry out net settlement with multiple counterparties.
• Trading and settlement: Act as a first point of contact for trading queries across the Group, escalating where needed.
• Collateral and reporting: Help manage collateral in line with the firm's liquidity and capital management policies.
• Collateral and reporting: Contribute to regular treasury reporting.

Skills

Excel proficiency

Attention to detail

Communication skills

Independent & collaborative

Interest in treasury/FX/markets

Education

Finance-related degree

Job description

Who are we?

Lumon's mission is to become the world's most trusted currency partner.

Businesses and individuals move money across borders through us, whether that's paying an overseas supplier or sending money home to family. We back it with technology that does the heavy lifting and people who actually know your situation.

We're growing fast across the UK and Europe, and building the kind of workplace people stay for.

The Role

We are looking for an Operational Treasury Analyst to join Lumon's Group Treasury team.

You will support the day-to-day running of treasury operations across the Lumon Group's UK and Irish entities, covering cash and liquidity management, reconciliations, FX trading and settlement, collateral, and treasury reporting.

This is a great opportunity for an entry-level or early-career finance professional to gain hands-on experience in a growing international payments and FX business. You will work closely with experienced colleagues in Treasury and across the wider business, and take on more responsibility as your skills develop

What will you be doing?

Cash and liquidity

• Monitor and manage FX account and cash balances across Group entities

• Manage next-day currency requirements to minimise liquidity impact

• Support the execution of FX swaps for cash management purposes

Reconciliations and controls

• Perform daily reconciliations of Treasury bank and FX accounts, including safeguarding reconciliations

• Reconcile client FX trades booked in our internal platform against counterparty positions

• Support the reconciliation of FX positions

Trading and settlement

• Execute trades with counterparties within approved limits

• Carry out net settlement with multiple counterparties

• Act as a first point of contact for trading queries across the Group, escalating where needed

Collateral and reporting

• Help manage collateral in line with the firm's liquidity and capital management policies

• Contribute to regular treasury reporting

What you'll gain

• Practical experience across treasury operations, FX, liquidity management and financial controls in a regulated environment

• Exposure to multi-currency, multi-entity operations and banking counterparties

• The chance to help improve and build on existing Treasury processes

• A clear path to take on greater responsibility as your experience grows

What we're looking for

• A finance-related degree and/or experience in a finance-based role

• Comfortable using Excel – comfortable with lookups, SUMIFS and pivot tables

• Careful, methodical approach with a keen eye for detail.

• Good communication skills and the ability to build relationships with colleagues and external counterparties

• Well organised, proactive and able to work both independently and as part of a team

• A genuine interest in treasury, foreign exchange, cash management or financial markets

Nice to have

• Previous experience in treasury, finance operations, payments, banking or financial services

• Familiarity with reconciliations, cash management or trade settlement

• Experience in a multi-currency or international business

• Awareness of safeguarding requirements for payment or e-money institutions

What we will offer in return:

• 25 days of annual leave, with a chance to purchase up to 5 more

• Birthday off

• 2 additional days off for 'Moments that Matter' (pro rata from your start date)

• Hybrid Working - 3 days in the office and 2 at home.

• Enhanced maternity and paternity leave

• Enhanced sick pay

• Private medical cover (administered by Bupa)

• Medicash health scheme

• Salary Sacrifice Pension

• 4x Life Assurance

• Menopause support

• Cycle to work scheme

• Electric Vehicle scheme (eligibility criteria applies)

• Season ticket loan

• Specsavers eye test voucher

• Employee Assistance Programme

• Access to gym discounts as well as a wide range of other benefits and discounts through our online portal

• Monthly lunch and social events

Why join Lumon?

We support customers in over 150 countries, with offices across the UK and Europe, combining technology with real human support.

People come first here. Everyone's heard, and everyone has room to grow, whatever your background. We welcome people who see things differently. That diversity makes our teams stronger, and shows up in the experience we give customers.

Need adjustments during the process? Just tell us.