Payments Manager - St. Canice's Credit Union

Credit Union; Kilkenny; Remote; EUR 70,000 - 95,000; Full time

Job summary

St Canice’s Kilkenny Credit Union Limited is seeking a Payments Manager to lead the payment operations, ensuring secure, compliant and efficient delivery of all payment services including SEPA, direct debits, EFTs and card services. The role involves oversight of outsourced providers, risk management and continuous improvement to benefit members.

The successful candidate will have at least five years in banking/payments within credit unions or financial services, a QFA or equivalent

Qualifications

• Minimum 5 years' experience in banking, payments, financial services or credit union operations.
• Minimum of a QFA or equivalent qualification (or APA Loans designation) essential, a business or finance related degree (desirable)
• Strong knowledge of: SEPA Credit Transfers, Direct Debits, Current Accounts, Debit Card Operations, Online and Digital Banking Services
• Experience managing outsourced service providers.
• Strong financial operational risk and compliance knowledge.
• Experience investigating operational incidents and resolving complex issues.
• Excellent analytical and problem-solving skills.
• Strong stakeholder management and communication skills.
• Experience developing or maintaining policies, procedures and controlled documentation.
• Proficiency in Microsoft Office and payment management systems.
• Demonstrated leadership skills with the ability to influence, collaborate and build effective working relationships across teams.
• Proactive and self-motivated with the ability to adapt to new situations
• An appreciation and an awareness of the credit union ethos

Responsibilities

• Oversee day-to-day payment operations and ensure accurate processing.
• Lead payment services compliance with regulatory requirements.
• Manage relationships with outsourced service providers.
• Drive process improvements to enhance member experience and efficiency.
• Develop and maintain procedures for payment processing and incident handling.
• Lead incident investigations and reporting; coordinate remediation actions.
• Monitor performance against service levels and regulatory standards.
• Support audits and regulatory returns as required.

Job description

St Canice’s Credit Union has an exciting opportunity to be part of an ambitious, forward looking and strategic thinking management team. St Canice’s Credit Union is a large community credit union based with nine branches across Kilkenny, Laois and Carlow. With 80,000 plus members and a diverse product base, St Canice’s Credit Union has an ambitious strategic plan to significantly develop and grow the business, and the role of Payments Manager will play a key part in this growth. Reporting to the Chief Operations Officer (COO), the Payments Manager will be responsible for the oversight, management and continuous improvement of the Credit Union's payment services and payment operations. The role will ensure the efficient, secure and compliant delivery of all payment-related activities, including current accounts, SEPA payments, direct debits, debit cards, electronic funds transfers and online payment channels. The Payments Manager will act as the primary operational lead for payment services, overseeing relationships with outsourced service providers, ensuring compliance with regulatory requirements, managing operational risk and incidents, and driving process improvements to enhance member experience and operational efficiency. The role requires strong leadership, technical knowledge of payment systems, risk management expertise and a commitment to delivering excellent member outcomes. This role is designated as a Controlled Function under the Central Bank of Ireland’s Fitness and Probity regime and Fitness and Probity Standards will apply.

Key Responsibilities

Payment Operations Management

Manage the day-to-day operation of all payment services.

Oversee the processing and administration of:

Direct Debits

SEPA Credit Transfers (Classic)

Electronic Funds Transfers (EFTs)

Debit Card services

Online and digital payment channels

Ensure all payment transactions are processed accurately and within agreed service levels.

Monitor operational performance and payment processing volumes.

Ensure appropriate controls are maintained across all payment activities.

Develop and maintain operational procedures and process documentation.

Ensure payment services meet member expectations and industry standards.

Support the resolution of complex member payment queries and complaints.

Monitor service delivery and identify opportunities to enhance the member experience.

Promote awareness of available payment products and services across the organisation.

Risk, Compliance and Governance

Ensure payment operations comply with:

Credit Union Act requirements

Central Bank of Ireland regulations

Payment Services Regulations and PSD2 requirements

SEPA Scheme Rules

Data Protection (GDPR)

Anti-Money Laundering and Financial Crime requirements

Maintain a strong control environment for payment processing activities.

Complete and submit payment related regulatory returns within the required timeframes.

Identify, assess and mitigate operational risks.

Conduct regular control reviews and risk assessments.

Support internal and external audits.

Prepare reports for Senior Management, Risk Committees and the Board as required.

Ensure all incidents, errors and breaches are appropriately investigated and reported.

Act as the lead coordinator for payment-related incidents.

Investigate payment failures, processing issues, card disputes and member complaints.

Liaise with providers and stakeholders to resolve incidents promptly.

Conduct root cause analysis, implement corrective actions and reporting.

Overseeing and managing relevant complaints in a timely manner

Develop and test contingency and recovery procedures for payment services.

Manage operational relationships with outsourced payment service providers.

Monitor provider performance against contractual and service level agreements.

Escalate and resolve service issues impacting members or operations.

Support due diligence and ongoing oversight activities in line with outsourcing requirements.

Ensure outsourced arrangements remain compliant with regulatory expectations.

Process Improvement and Change Management

Identify opportunities to improve efficiency, reduce risk and enhance member experience.

Lead payment-related projects and initiatives.

Support the implementation of new payment products and services.

Develop automation opportunities and process enhancements.

Ensure operational readiness for new systems, regulatory changes and industry developments.

Contribute to strategic initiatives relating to payments and digital services.

Leadership and Development

Lead, motivate and support staff involved in payment operations.

Establish clear objectives and performance expectations.

Develop training programmes and competency frameworks.

Ensure staff maintain up-to-date knowledge of payment systems and regulatory requirements.

Promote a culture of operational excellence, compliance and continuous improvement.

Provide technical guidance and support to colleagues across the Credit Union.

The above list is not exhaustive and may be subject to change in line with the needs of the business.

The successful candidate should have the following:

Minimum 5 years' experience in banking, payments, financial services or credit union operations.

Minimum of a QFA or equivalent qualification (or APA Loans designation) essential, a business or finance related degree (desirable)

Strong knowledge of:

SEPA Credit Transfers

Direct Debits

Current Accounts

Debit Card Operations

Online and Digital Banking Services

Experience managing outsourced service providers.

Strong financial operational risk and compliance knowledge.

Experience investigating operational incidents and resolving complex issues.

Excellent analytical and problem-solving skills.

Strong stakeholder management and communication skills.

Experience developing or maintaining policies, procedures and controlled documentation.

Proficiency in Microsoft Office and payment management systems.

Demonstrated leadership skills with the ability to influence, collaborate and build effective working relationships across teams.

Proactive and self-motivated with the ability to adapt to new situations

An appreciation and an awareness of the credit union ethos

Payments Manager in Kilkenny | Metamo DAC

Closing Date for receipt of applications is by 5pm 8 th November 2026

St Canice’s Kilkenny Credit Union Limited is an Equal Opportunities Employer

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