Senior Payments Operations Specialist

Crown Agents Bank; Greater London; Hybrid; GBP 42,000 - 64,000; Full time

Benefits offered by this job

Hybrid working

Pension plan

Life Assurance

Group income protection

Private medical insurance

Discretionary bonus

Annual leave

Volunteer days

Benefit Hub

Job summary

Crown Agents Bank is a regulated UK bank delivering cross-border payments and FX solutions. The Payments Operations team ensures accurate processing, timely delivery and robust controls across payment channels, applying strong knowledge of SWIFT messaging and ISO 20022.

The role collaborates with multiple stakeholders to resolve issues and drive improvements. The successful candidate will support day‑to‑day processing, master reconciliation, and ongoing optimisation to reduce manual intervention

Qualifications

• Educated to A level standard or equivalent demonstrable experience within banking, payments or financial services operations.
• Relevant payments, banking operations, SWIFT, compliance or financial services qualifications would be advantageous but are not essential.
• Evidence of continued professional development in payments, operational risk, financial crime awareness, payment schemes or industry messaging standards would be beneficial.

Responsibilities

• Process, monitor and control payment activity across relevant channels, ensuring transactions are accurate, timely and completed within agreed cut‑off times.
• Review and interpret SWIFT MT and ISO 20022 messages to support payment processing, repairs, exception resolution and escalation.
• Monitor payment queues, pending items, unmatched transactions and exceptions to ensure timely progression and effective issue resolution.
• Investigate payment failures, non‑STP items and operational queries, completing root cause analysis to identify trends, control gaps and improvement opportunities.
• Perform payment‑related control checks, reconciliations and validation activity in line with internal procedures, regulatory expectations and risk appetite.
• Liaise with correspondent banks, clients, internal operations teams, Front Office, Compliance, Technology and Product to support payment execution and resolve issues.

Skills

SWIFT messaging

ISO 20022

Payment processing

Operational risk

Root cause analysis

Stakeholder collaboration

Education

A-levels or equivalent

Banking/payments qualifications

Tools

SWIFT tools

Job description

Crown Agents Bank is a regulated UK bank delivering cross-border payments and FX solutions. The Payments Operations team ensures accurate processing, timely delivery and robust controls across payment channels, applying strong knowledge of SWIFT messaging and ISO 20022.

The role collaborates with multiple stakeholders to resolve issues and drive improvements. The successful candidate will support day‑to‑day processing, master reconciliation, and ongoing optimisation to reduce manual intervention