Associate / Senior Associate, Payment & Card Operations

MetaComp; Kuala Lumpur; On-site; MYR 255,000 - 351,000; Full time

Job summary

MetaComp is expanding its Payment & Card Operations team in Singapore to manage the full lifecycle of client money movement across digital assets and fiat currencies. You will own deposits, payments, trading flows, and withdrawals, collaborating with Relationship Managers and the broader Operations group in a fast-paced, compliance-driven environment.

The role offers high ownership in a lean team, direct impact on client experience, and close interaction with cross-functional groups to ensure

Qualifications

• 1–3 years in payment operations or related finance roles.
• Experience with fiat and crypto payments is a strong plus.
• Experience with reconciliation of transactions.
• Experience in card operations, chargebacks preferred.
• Regulated environment exposure is advantageous.

Responsibilities

• Process and monitor deposits across fiat and crypto.
• Validate inbound deposits against client instructions and credit balances.
• Execute outbound withdrawals and payments to bank accounts and wallets.
• Act as maker/checker on outbound payment instructions.
• Coordinate with Relationship Managers on status; handle escalations.
• Handle RFI responses for flagged transactions.
• Support whitelisting of third-party sender/beneficiary accounts per compliance.
• Oversee card issuance, top-ups, and chargebacks; manage disputes.
• Perform daily transaction-level reconciliation against bank ledgers.
• Escalate breaks and produce daily reconciliation reports.

Skills

Education

Tools

Job description

MetaComp Pte Ltd is a leading Singapore-based digital payment solution provider, licensed and regulated by the Monetary Authority of Singapore (MAS) as a Major Payment Institution, to provide Digital Payment Token Services and Cross-border Payment Transfers. Operating under a P2B2C (platform-to-business, partners-to-clients) model, MetaComp provides its clients with an integrated end-to-end suite of services, empowering them to confidently enter the digital asset market with much-needed safety, security, and compliance assurance. Together with its parent company, Metaverse Green Exchange Pte. Ltd. (a MAS-licensed CMS holder permitted to carry out, inter alia, brokerage and custody services), MetaComp introduces its suite of services through CAMP (Client Assets Management Platform) which allow businesses to develop and scale their digital asset offerings through various products and/or services such as over-the-counter transactions, fiat payments, digital asset custody and prime brokerage.

About the Role

Metacomp is building out its Payment and Card Operations function as a core capability to support the full lifecycle of client money movement across digital assets and fiat currencies. As an Associate / Senior Associate in Payment & Card Operations, you will be at the heart of Metacomp's client payment flows — owning fund movement across deposits, payments, trading, and withdrawals, while supporting the launch and daily operations of Metacomp's card product.

This is a high-ownership role in a lean team where your work directly impacts client experience. You will work closely with Relationship Managers, Account Managers, and the broader Operations team in a fast-paced, client-sensitive environment where accuracy, speed, and clear communication are critical.

What You Will Do

Payment Operations

• Process and monitor inbound client deposits across fiat (wire transfers to accounts, virtual accounts, and sub-accounts) and (crypto to client wallets)
• Manually sight and confirm inbound fiat deposits against client instructions and credit client balances on the Metacomp Internal ledgers
• Receive, validate, plan the flow, and execute outbound withdrawal and payment instructions to first-party and third-party bank accounts and wallets
• Act as maker or checker on all outbound payment instructions within the banking platform and Metacomp's internal system ledgers
• Coordinate in real time with Relationship Managers and Account Managers on the status of deposits, payments, and withdrawals — including managing escalations
• Handle PSP Request for Information (RFI) responses for flagged or queried payment transactions
• Support the whitelisting of third-party sender and beneficiary accounts in accordance with compliance requirements

Card Operations

• Support the daily operations of Metacomp's card product from launch
• Process card issuance and card freeze requests on behalf of clients
• Monitor card issuer prefund account balances and execute top-ups to prevent card declines
• Manage the end-to-end chargeback lifecycle: receiving dispute notifications, submitting RFI responses, tracking dispute status, and processing successful chargeback refunds
• Process advance chargeback refunds for key clients in accordance with agreed commercial arrangements
• Liaise with the card issuer/BIN sponsor/card network provider on operational queries, settlement discrepancies, and dispute matters

Reconciliation Operations

• Perform daily transaction-level reconciliation of all outbound transactions from Metcomps internal system, against various underlying bank ledgers, identifying and resolving breaks on a same-day basis
• Perform daily transaction-level reconciliation of client card transactions in Metacomp's internal system ledger against card issuer settlement files
• As Metacomp transitions to principal card issuer status, expanded recon scope to include transaction-level reconciliation against payment networks (Mastercard / Visa)
• Maintain accurate recon records and produce daily recon reports for sign-off
• Escalate unresolved breaks to the relevant internal teams and track through to resolution

What We Are Looking For

Experience

• 1–3 years of experience in payment operations, settlements, card operations, financial operations, accounting, or finance treasury in a bank, fintech, payments company, digital asset firm, or corporate treasury function
• Candidates with an accounting or finance treasury background are strongly encouraged to apply — a solid grasp of debits, credits, and fund flows is directly applicable to this role
• Hands‑on experience processing payment instructions and managing payment lifecycles — experience with both fiat and crypto payment flows is a strong advantage
• Experience performing transaction‑level reconciliation, including break identification and resolution
• Experience with card operations — including chargeback management, card issuance, or prefund management — is a strong plus
• Prior exposure to maker‑checker or dual‑authorisation payment controls in a banking or regulated environment
• Experience working in a client‑facing or RM‑facing operations role, with a track record of handling escalations professionally and under time pressure
• Strong understanding of end‑to‑end payment and fund flow — able to trace a transaction from instruction through to settlement and identify where and why a break has occurred
• A continuous improvement mindset — you do not just execute processes, you actively look for ways to make them faster, more accurate, and more scalable
• High attention to detail — able to process and reconcile large volumes of transactions accurately with minimal errors
• Strong organisational skills — able to manage multiple open items across deposits, payments, and card ops simultaneously without dropping the ball
• Clear and professional communicator — comfortable liaising directly with Relationship Managers, Account Managers, and external counterparties (banks, card issuers) in a fast‑moving environment
• Comfortable with ambiguity and building processes from scratch — this is a growing function and you will be expected to help define how things are done, not just follow a playbook
• Proficient in Microsoft Excel or Google Sheets for reconciliation work (familiarity with SQL or any basic programming language is a plus)
• Familiarity with payment platforms, banking portals, or treasury management systems is an advantage
• Mandarin proficiency (spoken and written) is strongly preferred — RMs and Account Managers frequently communicate in Mandarin and real‑time coordination is essential

Qualifications

• Diploma or Degree in Accounting, Finance, Banking, Business, or a related field
• MAS regulatory knowledge or prior experience in a regulated financial institution is advantageous but not required

Why Join Us

• High ownership and visibility from day one in a lean team reporting directly to the Head of Payment Operations
• Be part of a core function driving Metacomp's payment capabilities in a dynamic digital assets and payments environment
• On‑site role based in Singapore with close collaboration across Operations, Product, Sales, and Compliance

We are committed to creating an inclusive workplace where every individual feels respected, valued, and empowered to contribute. We celebrate diversity in all its forms—background, ethnicity, gender, identity, orientation, experience, and thought—and believe it strengthens our culture and our work. We are proud to be an equal opportunity employer and do not discriminate on the basis of race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, or any other protected characteristic.