Payment Operations Analyst (SEPA & SWIFT) - Remote from Poland

Remote; San Francisco (CA); Remote; USD 90,000 - 130,000; Full time

Job summary

Finom is seeking a Payment Operations Analyst to join our SEPA & SWIFT Team, ensuring payments move smoothly by resolving issues end-to-end and collaborating with banking partners. You’ll help build our Payment Operations hub from scratch and contribute to new market launches.

With 2+ years in payment operations, you’ll analyze transactions, manage recalls, and shape how payment services appear in our products and back office.

Qualifications

• 2+ years in payment operations, banking operations, or fintech (SEPA/SWIFT preferred).
• Knowledge of SEPA (SCT, SCT Inst, SDD), SWIFT messaging (MT/MX, gpi), recalls, and payment investigations.
• Analytical mindset and attention to detail when working with transaction data.
• Clear written English for partner banks and internal teams; additional European languages are a plus.
• A proactive, ownership-driven approach to ambiguous problems.

Responsibilities

• Action tasks from the Customer Support team and resolve customers' day-to-day payment issues.
• Handle SEPA and SWIFT recalls, SEPA & SWIFT payment investigations, and payment and transaction analysis.
• Help build processes for our Payment Operations hub from scratch and support new market launches.
• Directly shape how payment services are offered in our products and back-office systems.
• Communicate with payment infrastructure providers and partner banks to elevate requests and track issues.
• Take initiative and dig for answers to give customers the best experience.

Skills

SEPA & SWIFT experience

Payment operations

Analytical mindset

Clear written English

Proactive ownership

Tools

Intercom

Jira

Metabase/SQL

Back-office tooling

Job description

About Finom

Finom 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.

Finom'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 Finom, 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.

About the role

As a Payment Operations Analyst, you'll be part of our dynamic SEPA & SWIFT Team, which keeps our customers' payments moving. You'll resolve payment issues end-to-end, work directly with banking partners, and help build our Payment Operations hub from scratch.

What you’ll do

• Action tasks from the Customer Support team and resolve customers' day-to-day payment issues.

• Handle SEPA and SWIFT recalls, SEPA & SWIFT payment investigations, and payment and transaction analysis.

• Help build processes for our Payment Operations hub from scratch and support new market launches.

• Directly shape how payment services are offered in our products and back-office systems.

• Communicate with payment infrastructure providers and partner banks to elevate requests and track issues.

• Take initiative and dig for answers to give customers the best experience.

What we're looking for

• 2+ years in payment operations, banking operations, or fintech (SEPA/SWIFT experience strongly preferred).

• Knowledge of SEPA (SCT, SCT Inst, SDD), SWIFT messaging (MT/MX, gpi), recalls, and payment investigations.

• Analytical mindset and strong attention to detail when working with transaction data.

• Clear written English for partner banks and internal teams. Additional European languages are a plus.

• A proactive, ownership-driven approach to ambiguous problems.

Nice to have

• Experience with fraud recall processes or compliance/FCRM collaboration.

• Familiarity with Intercom, Jira, Metabase/SQL, or back-office payment tooling.

• Experience setting up or documenting operational processes.

• AI fluency: comfort using AI tools (e.g. Claude, ChatGPT) in daily work to analyse data, draft communications, document processes, and automate repetitive tasks. Finom is investing heavily in AI, and you'll help identify where it can improve payment operations.

Interview process

1. Interview with Talent Acquisition Partner

2. Assessment stage

3. Interview with peer (Senior Analyst)

4. Interview with hiring manager (Team Lead)

What You Will Get In Return

Make a genuine impact on the product

Join 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 EU

Embark 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 holder

Unlock 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 care

Finom 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 Finom experience is successful and fulfilling.

Work & Swim program

Immerse 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 Finom, 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.