Senior Target2 Payment Ops Lead – Remote EU & Stock Options

OpenKrill; United States; Remote; USD 79,000 - 124,000; Full time

Benefits offered by this job

Stock options program

Work & Swim program

European remote/hybrid flexibility

Job summary

Finom is seeking a Senior Specialist, T2 (Target2) Payment Operations to own end-to-end T2 processes, document procedures, and serve as the operational contact for DNB and partner banks. You will design and validate payment workflows, migrate traffic, and run BAU with a focus on regulatory alignment and incident management.

You will collaborate with Product and Engineering to specify platform behavior, manage reconciliation and liquidity, and ensure a smooth go-live with no customer impact while

Qualifications

• 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.

Responsibilities

• 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.

Skills

T2 / TARGET Services

Regulatory liaison

Process ownership

SOP writing

Stakeholder coordination

English fluency

Tools

T2 GUI (U2A/A2A)

SWIFT / ISO 20022

CRDM reference data

Job description

Finom is seeking a Senior Specialist, T2 (Target2) Payment Operations to own end-to-end T2 processes, document procedures, and serve as the operational contact for DNB and partner banks. You will design and validate payment workflows, migrate traffic, and run BAU with a focus on regulatory alignment and incident management.

You will collaborate with Product and Engineering to specify platform behavior, manage reconciliation and liquidity, and ensure a smooth go-live with no customer impact while