Senior Specialist, T2 / Target2 Payment Operations

Finom; United States; Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

Stock options

Hybrid/Remote across Europe

Work & Swim program

EU work access

Professional development

Job summary

Finom is seeking a Payments Operations lead to own TARGET2-related processes end-to-end. You will design, document, validate in UAT, and run the T2 platform as BAU, acting as operational contact for the scheme, DNB and partner banks.

You will coordinate with Eurosystem, DNB, SWIFT/NEXI, FIS, and cross‑functional teams to ensure smooth migration and incident handling, enabling a resilient and compliant payment operations environment across Europe.

Qualifications

• Hands-on with TARGET Services (RTGS, TIPS) GUI/U2A/A2A actions.
• Experience in payment operations at a bank, EMI, or PSP; SEPA preferred.
• Ability to write SOPs and establish controls.
• Comfort working with regulators, partners, and technical teams.

Responsibilities

• Own core payment processes: SCT/SCT Inst recalls, SWIFT enquiries, missing funds, and refunds.
• Run the T2 platform day-to-day in GUI; maintain reference data and four-eyes controls.
• Manage migration from BNPP to direct participation with traceability by BIC and path.
• Cover reconciliation and liquidity; coordinate with Finance Ops/Treasury for funding/defunding.
• Handle incidents and contingency; define escalation routes and DNB reporting.
• Collaborate with Eurosystem, DNB, SWIFT/NEXI, FIS, and product/engineering for platform behavior.

Skills

TARGET Services

RTGS

TIPS

U2A/A2A

SEPA SCT

Regulatory liaison

SOPs

Controls

English

Tools

CRDM reference data

SWIFT messaging

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.

The role

We’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 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.