Senior Specialist, T2 / Target2 Payment Operations

Finom; Nederland; Remote; EUR 70,000 - 100,000; Full time

Benefits offered by this job

Stock options

Hybrid/Remote across Europe

Work & Swim program

Job summary

Finom is seeking a Senior Specialist, T2 Payment Operations to own the end-to-end payment operations for TARGET2. You will design, document, and validate processes, oversee the migration to direct participation, and run daily BAU activities with partner banks and regulators.

You will work closely with Product, Engineering and the reconciliation teams to ensure seamless flow, accurate data, and robust incident management across Europe. Fluent English required, remote across Europe.

Qualifications

• 2–3+ years in payment operations at a bank, EMI or PSP.
• Experience with TARGET2 (T2) and RTGS/TIPS GUI actions.
• Familiarity with investigations, recalls, returns and SWIFT messaging (ISO 20022).
• Experience writing SOPs and controls or ability to pick it up quickly.
• Comfort working with regulators, partners and technical teams.

Responsibilities

• Own core Payment Operations processes for SCT / SCT Inst recalls, investigations, SWIFT enquiries, missing funds, and refunds.
• Run the T2 platform day-to-day using the GUI and maintain reference data with four-eyes controls.
• Manage migration to direct participation and ensure traceability by BIC and path.
• Coordinate with reconciliation and liquidity teams; liaison with Finance Ops/Treasury.
• Handle incidents and contingency planning with DNB, FIS, and TARGET escalation routes.
• Collaborate with Eurosystem, DNB, SWIFT/NEXI, FIS and partner banks; work with Product and Engineering.

Skills

T2 / TARGET Services

Payment operations

SCT / SCT Inst

SWIFT / ISO 20022

Regulatory liaison

Tools

U2A/A2A GUI

SOP writing

CRDM data

Job description

About the companythe company is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.the company's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.At the company, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.Senior Specialist, T2 (Target2) Payment OperationsLocation: Remote in Netherlands, Spain, Cyprus or Poland

The roleWe’re moving from indirect to direct participation in TARGET2 (T2), and we need someone to own the operational side end to end. You’ll design and document the Payment Operations processes, validate them in the August UAT, cut over BIC by BIC, and then run them as business-as-usual. You’ll be the operational contact for the T2 scheme, DNB and our partner banks.

What you’ll do

• Own core payment processes: SCT / SCT Inst recalls, investigations (including pacs.028), SWIFT enquiries (MT199/MT999, RFIs), missing or incoming funds, and rejects, returns and refunds.
• Run the T2 platform day to day: work in the T2 GUI (U2A/A2A), maintain CRDM reference data, and set up four-eyes controls and the manual-vs-automated split.
• Manage the migration: move traffic from BNP Paribas to direct participation, with every payment traceable by BIC and path, and define when each BNPP-dependent step can be retired.
• Cover reconciliation and liquidity: be the Payment Ops link to the reconciliation team (funding and defunding stay with Finance Ops/Treasury).
• Handle incidents and contingency: build the incident process around DNB, FIS and TARGET escalation routes, own Payment Ops’ role in DNB reporting, and define the ECONS II contingency approach.
• Coordinate with others: work with the Eurosystem, DNB, SWIFT/NEXI, FIS and correspondent banks, and partner with Product and Engineering to specify how the platform should behave.

What success looks like

• Every direct-participation process has an owner, documented procedures, and passing UAT evidence.
• The migration causes no impact on customers, and Customer Support has clear guidance.
• After go-live, T2 runs as stable BAU with no remaining BNPP operational dependency.

What we’re looking for

• Hands-on experience with T2 / TARGET Services (RTGS, TIPS), including the GUI and U2A/A2A actions
• Around 2-3+ years in payment operations at a bank, EMI or PSP, ideally with SEPA schemes (SCT, SCT Inst)
• Familiarity with investigations, recalls, returns and SWIFT / ISO 20022 messaging
• Experience writing SOPs and controls, or the ability to pick it up quickly
• Comfort working with regulators, partners and technical teams
• Enough ownership to make sign-off and escalation decisions with support from the team
• Fluent English

Nice to have

• Experience with CRDM reference-data maintenance
• Involvement in a direct-participation onboarding or sponsor-bank migration
• Knowledge of DNB / TARGET-NL conditions, IPR, PSD2, or ECONS II contingency processes

What You Will Get In Return

Make a genuine impact on the productJoin our upward trajectory, and grow with us.

We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.

Work in the EUEmbark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.

Become a stock options holderUnlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program.

This exciting opportunity is available to every team member, from junior team members to our founders.

Receive unwavering support and carethe company stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture.

We offer constant support and care to ensure your the company experience is successful and fulfilling.

Work & Swim programImmerse yourself in our exclusive Work & Swim Program.

Spend one month in a comfortable corporate apartment in enchanting Cyprus.

It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.

Equal Opportunity Statement

At the company, we're an equal opportunity employer and value diversity at our company.

We embrace diversity and invite applications from all walks of life.

We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.