Banking Operations Lead

Spiko; Paris (TX); Hybrid; USD 134,000 - 201,000; Full time

Benefits offered by this job

Stock options

Hybrid/Remote friendly

Top tech gear

Office in Paris/London

Health insurance

Perk budget

Transport subsidy

Referral bonus

Social events

Job summary

Spiko is seeking a Banking Operations Lead to design and run the banking backbone for multi-currency payments across Europe. You will own the payment rails, settlements, FX, and related controls, with a focus on scalable infrastructure and compliant processes.

The role reports to the Head of Finance and collaborates with Product, Engineering, and Legal & Compliance. candidacy spans across Paris/London with hybrid arrangements.

Qualifications

• 3 to 8 years of experience in banking or payment operations, ideally in a Fintech or within a bank.
• Strong working knowledge of banking systems and payment flows: SWIFT, SEPA, settlement cycles, multi-currency and FX.
• A builder mindset: design processes, controls, or automation rather than repetitive tasks.
• Solid understanding of French and European financial regulation.
• Fluent in French and comfortable working in an English-speaking environment.
• Highly autonomous and rigorous, owning outcomes end-to-end.
• Curious, proactive and hands-on with a problem-solving mindset.

Responsibilities

• Run and automate daily banking operations: oversee flows end-to-end and keep payments/settlements running.
• Design and build Spiko's banking system: evolve architecture for FX, stablecoins, credit, and new products.
• Own banking partner relationships: manage providers, onboarding, and risk communication.
• Strengthen risk, controls, and reporting: implement controls and contribute to regulatory reporting.

Skills

Banking operations

SWIFT & SEPA

Automation mindset

Multi-currency settlement

Regulatory knowledge (ACPR/AMF)

French & English fluency

Job description

Our Mission

Money sitting idle is money lost. We're fixing that.

Founded in 2023 by Antoine and Paul-Adrien , Spiko gives businesses, non-profits, financial advisers, and fintechs access to institutional-grade cash management, via app or API. We are building the full infrastructure: issuing, operating, and distributing the products ourselves.

Two years after launch, we serve thousands of organizations across Europe and process hundreds of millions of euros in flows every month. Netherlands is one of our priority markets for the next phase of growth.

Our ambition: become the world's leading treasury management infrastructure in a market worth trillions.

We are backed by Index Ventures, the CEO of Revolut, the founder of Kyriba, and the CTO of Wise.

Spiko runs on excellence, transparency, and straight talk.

The role:

We're looking for a Banking Operations Lead to build and run the banking backbone that moves several hundred million euros of client money every month. This is a builder's role, not an operator's: you'll own how Spiko's payment rails, settlement flows, and FX and credit mechanics work today, and design the systems, procedures, and controls that let them scale as Spiko grows across Europe.

Reporting to the Head of Finance and working closely with Product, Engineering, and Legal & Compliance, you'll monitor daily banking operations, automate whatever is repetitive, and shape Spiko's banking architecture as it becomes increasingly complex across new financial products, currencies, and markets.

Key responsibilities

Run and automate daily banking operations

• Monitor daily operations : oversee Spiko's banking flows end-to-end and keep payments and settlements running smoothly.
• Automate relentlessly : if a task is repetitive, turn it into a process or a script rather than a recurring manual chore.
• Manage banking flows : handle SWIFT, SEPA, and multi-currency settlements, and match incoming wires with client orders, resolving mismatches and blocked operations.
• Manage liquidity : ensure timely settlement across all flows.

Design and build Spiko's banking system

• Design the architecture : build and evolve Spiko's banking system as it grows more complex across FX, stablecoins, credit, and new financial products.
• Partner with Product & Engineering : deliver infrastructure projects such as payment flows in stablecoins or FX.
• Build procedures and controls : create procedures, first-line controls, and automations that let the banking system scale without breaking.
• Launch new products : contribute end-to-end to the banking setup of new financial products, from design to go-live.

Own banking partner relationships

• Manage banking providers : own relationships with our banking partners across payments, FX, and the depositary.
• Negotiate and onboard : work with Legal & Compliance on new agreements with banks and partners, and coordinate on risk-control matters.

Strengthen risk, controls, and reporting

• Reinforce controls : implement and improve first-line controls on client money flows.
• Support regulatory reporting : contribute to regulatory and risk reporting, including prudential reporting to the ACPR.
• Improve robustness : strengthen the auditability and resilience of banking processes.

Who We're Looking For

We're open to several backgrounds - what matters most is operational rigor, autonomy, and a builder mindset in a regulated, fast-moving fintech environment.

Requirements (must-haves)

• 3 to 8 years of experience in banking or payment operations, ideally in a Fintech, or within a bank.
• Strong working knowledge of banking systems and payment flows: SWIFT, SEPA, settlement cycles, multi-currency and FX.
• A builder mindset: you'd rather design a process, control, or automation once than execute the same manual task twice.
• Solid understanding of the French and European financial regulatory environment.
• Fluent in French and comfortable working in an English-speaking environment.
• Highly autonomous and rigorous, comfortable owning operational outcomes end-to-end.
• Curious, proactive and hands-on, with a problem-solving mindset.

Nice to have

• Experience in a fast-growing startup, scale-up or fintech.
• Familiarity with prudential reporting (ACPR or AMF deliverables).
• Familiarity with blockchain infrastructure or decentralized finance.

What We Offer

• Compensation : Competitive salary depending on experience + Stock Options
• Hybrid work - Remote friendly (2 days per week & 1 full week per month)
• The best tech for your job : latest-generation laptops and industry-leading software
• Office : in central Paris or London
• Health insurance : 100% covered by Spiko
• Monthly Budget to cover different perks of choice
• Transport : 50% of public transport pass covered or the Forfait Mobilités Durables (FMD)
• Referral Bonus
• Social life : regular afterworks and biannual offsites

Our hiring process

• Screening Interview - 30 mins with Thomas, Talent Acquisition
• Hiring Manager interview - 30 mins with Paul-Armand, Head of Finance
• Business Case: To work on at home and present in person
• Final Interviews with the Founders online
• Reference Check: we'll reach out to your references to gather further insights
• Offer