Payments & Settlements Officer

FNZ; City of Edinburgh; Hybrid; GBP 100,000 - 125,000; Full time

Job summary

A leading global FinTech company is seeking a Cash Payments & Settlements Officer in Edinburgh. This permanent hybrid role focuses on accurate fund movements and transaction settlements, ensuring compliance with regulatory standards. Candidates should have a financial operations background, strong attention to detail, and be proficient in Excel. The company offers competitive salaries, paid overtime, and various employee benefits within a collaborative team environment.

Benefits

Competitive salary

Paid overtime

Private medical insurance

Flexible working hours

Career development support

Wellbeing schemes

Qualifications

• Experience in a financial operations, cash, or settlements role preferred.
• Strong attention to detail and reconciliation skills.
• Confident use of Excel and financial systems.
• Proactive and organized approach to managing tasks.

Responsibilities

• Settling trades accurately and on time.
• Ensuring funds are correctly repatriated to client accounts.
• Monitoring balances and clearing aged items.
• Generating FSA Client Money Calculations.
• Investigating complex payment issues.
• Supporting continual process improvement.

Skills

Attention to detail

Reconciliation skills

Problem-solving mindset

Communication skills

Proactive and organized

Tools

Excel

Financial systems

Job description

Payments & Settlements Officer

Edinburgh | Permanent | Hybrid | £Competitive + paid overtime

Are you looking to kick-start or grow your career in financial operations? Want to work for one of the fastest-growing global FinTech companies transforming the future of investment services?

We're hiring a Cash Payments & Settlements Officer to join our Investment Operations team. This is a brilliant opportunity to build experience in the heart of our trade settlement and payments function - supporting both institutional and retail clients on our market-leading wealth management platform.

What you’ll be doing

As a Cash Payments & Settlements Officer, you’ll play a key role in the timely and accurate movement of client funds across a variety of financial transactions — including trade settlements, and client drawdowns. Your work will help ensure FNZ delivers an efficient and compliant service that protects client assets and supports our regulatory responsibilities.

In this fast-paced, team-based environment, your key duties will include:

• Settling trades accurately and on time
• Ensuring funds are correctly repatriated to client accounts on a daily basis
• Monitoring debtor and creditor balances and taking action to clear aged items
• Generating and reviewing FSA Client Money Calculations
• Managing open control account items and ensuring ledger accuracy
• Processing client payroll drawdowns where required
• Investigating and resolving complex payment or settlement issues
• Supporting continual process improvement and risk mitigation

You’ll receive full onboarding and support, with opportunities to work across different teams and functions as you grow in your role.

What we’re looking for

This role would suit someone with an eye for detail, a commitment to accuracy, and an interest in financial operations or investment administration. You’ll be working with internal teams and external providers, so strong communication skills and a collaborative mindset are key.

To succeed, you’ll bring:

• Experience in a financial operations, cash, or settlements role (preferred)
• Strong attention to detail and reconciliation skills
• Confident use of Excel and financial systems
• A proactive and organised approach to managing tasks and priorities
• An understanding of FCA CASS rules (desirable)
• A problem-solving mindset and willingness to take ownership
• A team-first attitude and eagerness to learn

Why join FNZ?

At FNZ, you’ll be part of a global fintech leader shaping the future of wealth management. We combine technology, operations, and investment expertise to help millions of people invest in their future.

Here’s what you can expect:

• Competitive salary and paid overtime
• Hybrid working and flexible hours
• Private medical and life insurance
• Cycle to work and wellbeing schemes
• Paid training and career development support
• Global mobility and internal progression pathways
• Friendly, inclusive team culture

Ready to take the next step in financial services with a business that’s making a real global impact?

Apply today to become a Cash Payments & Settlements Officer at FNZ

About FNZ

FNZ is committed to opening up wealth so that everyone, everywhere can invest in their future on their terms. We know the foundation to do that already exists in the wealth management industry, but complexity holds firms back.

We created wealth’s growth platform to help. We provide a global, end-to-end wealth management platform that integrates modern technology with business and investment operations. All in a regulated financial institution.

We partner with the world’s leading financial institutions, with over US$2.2 trillion in assets on platform (AoP).

Together with our clients, we empower nearly 30 million people across all wealth segments to invest in their future.