Head of Payments, Payment Institution

Trading 212 Ltd.; Dublin; On-site; EUR 120,000 - 180,000; Full time

Benefits offered by this job

Generous remuneration package

Impactful work empowering millions of:

Collaborative, high-performing team

Job summary

Trading 212 Ltd. is seeking a Head of Payments to lead the payments function within Trading 212 Money Europe Limited, as a regulated Payment Institution. You will report to the COO and deputise for them as needed, engaging with the CBI and other authorities.

You will own payment services, including debit card issuance, settlements, and daily reconciliation. The role requires senior payments operations experience, regulatory knowledge, and strong leadership to build an exceptional payments

Qualifications

• 5+ years of senior payments operations experience within EEA or Irish-regulated financial services (Payments)
• Experience with card issuing operations and issuer processors
• Knowledge of payment settlement, funding models, and daily reconciliation controls
• Experience with retail clients/consumers is required
• Knowledge of European/Irish Payment Services and Electronic Money Directives

Responsibilities

• Develop, implement, and maintain the payments operations framework in compliance with regulatory requirements
• Own and operate payment services including debit cards (physical and virtual) and payments via cards and transfers
• Run Cash Account and Card day-to-day operations across all channels
• Manage issuer processor and card scheme relationships
• Maintain payment settlements, accounts, and daily reconciliation processes
• Oversee chargebacks, disputes, and fraud notifications
• Produce dashboards and reports for Board and governance committees
• Lead Payments team and foster a culture of operational excellence
• Provide expert guidance for new products and initiatives with compliance, risk, fraud and tech teams

Skills

Payments leadership

Regulatory compliance

Card issuing operations

Operational risk

Education

Finance/Business/Technology degree

Certifications (QFA/ACCA/PMP/CPP)

Tools

Issuer processor

Card scheme

Job description

Our mission is to enable everyone to build wealth We reinvent how trading and investing work by creating exceptional products people love. Fostering a culture of excellence and high velocity is the key to our success. Тoday, we serve over 6 million clients, with more than €30 billion in assets under management - a testament to the scale and trust we’ve built in just a few years.

The role

The Head of Payments is a senior member of Trading 212 Money Europe Limited's (the 'Company' or 'T212 MIE') Payments function, supporting the Chief Operating Officer in establishing and maintaining a robust compliance framework. The role carries delegated responsibility for the day-to-day payment operations as a Central Bank of Ireland (CBI)-regulated Payment Institution. The Head of Payments deputises for the Chief Operating Officer in their absence or where otherwise required, including in engagement with the CBI and other authorities.

What You’ll Do

• Develop, implement, and maintain the Company's payment operations framework to ensure payment services are delivered in compliance with regulatory and legislative requirements.
• Own and operate the Company's payment services, including the issuance of T212 debit cards, both physical and virtual and the execution of payment transactions through payment cards and credit transfers.
• Run the Cash Account and the T212 Card day-to-day across all channels.
• Manage the operational relationship with the issuer processor and with the card scheme.
• Maintain payment settlements, operating accounts, and daily reconciliation processes.
• Oversee chargebacks, disputes, and notifications of fraud.
• Detect, classify, manage, and elevate operational and security incidents affecting payment services, and support the notification process to stakeholders and clients.
• Produce dashboards and detailed reports for the Board and global governance committees.
• Lead the Payments team, building the function and fostering a culture of operational excellence.
• Act as a trusted advisor, providing expert guidance for new products and initiatives, working closely with compliance, risk, product, fraud, and tech teams to embed appropriate structures, automation, and processes within the design.
• Engender a strong organisation-wide culture of compliance and best practices.

What You Need To Have

• Professional certifications such as QFA, ACCA, PMP/Prince, Certified Payments Professional designation, and/or equivalent are an advantage.
• Educated to a degree level in Finance, Business, Technology, or a related field is desirable.
• 5+ years of senior payments operations experience within EEA or Irish-regulated financial services (Payments) is required.
• Demonstrable experience of card issuing operations, including work with an issuer processor, a card scheme and a card production supplier.
• Practical experience of payment settlement, funding models, and daily reconciliation, and of the controls that sit around them.
• Experience with retail clients and/or consumers is a requirement.
• In-depth knowledge of European and Irish legislation, regulations, and guidance relating to European Payment Services and Electronic Money Directives.

What We Offer

• Challenges that will help you grow and realize your potential fast.
• Opportunity to make a significant impact - you will build innovative services used by millions of investors to build wealth.
• Work with smart, spirited, helpful, high-performing colleagues with a common goal.
• An environment where nothing is set in stone.
• Appreciation for your talent and ideas.
• Generous remuneration package

Bring your ambition to Europe’s fastest-growing mobile broker!