Junior Payment Operations Officer

Summary

Join Pepperstone as a Junior Payment Operations Officer and contribute to a dynamic global fintech company. Key responsibilities include processing client funds, ensuring compliance with AML and fraud prevention policies, and maintaining effective communication with clients and internal stakeholders. You will monitor transactions, resolve discrepancies, and contribute to continuous process improvements. The role requires fluency in English, excellent communication skills, attention to detail, and intermediary Excel skills. A qualification in a related field is preferred but not essential. Pepperstone offers a competitive salary, flexible working arrangements, and various benefits.

Requirements

• Fluency in English is a must
• Weekly/Monthly shift rotation may be applied according to department needs
• Excellent people and communication skills with the ability to communicate to staff, teams & customers well
• Ability to maintain high level of attention to detail and accuracy
• Strong problem-solving skills and dedicated to continuous process improvements
• Excellent time management skills and the ability to remain calm under pressure
• Intermediary skills in Microsoft Excel
• Desire and commitment to ongoing learning and development
• Enjoy working in a dynamic global team
• Ability to live the Pepperstone values

Responsibilities

• Daily manual funding methods are allocated to clients’ accounts within a timely manner
• Process all withdrawals within the day and ensure clients are informed once completed
• Liaising with banks and third-party payment providers as required
• Monitoring and responding to client enquiries ensuring clients are responded to in an accurate and timely manner via Salesforce to ensure deposits are applied and withdrawals processed promptly
• General transaction monitoring from an AML perspective
• Perform checks on withdrawals prior to processing, including AML, fraud and license jurisdiction based on guidance from the Pepperstone Compliance Team
• Monitor fraudulent transactions and take action on client’s accounts and transactions as per Pepperstone’s compliance policy
• Escalate identified or suspected AML, TF and Fraud to the Team Leader and Compliance Team in line with different regulatory requirements
• Submitting Unusual Activity Reports (UAR) to Compliance when necessary
• Ensuring potential or confirmed Card Fraud is handled promptly in line with Compliance guidelines
• Ensure Pepperstone’s Terms and Conditions are upheld via completing name matching for multiple payment providers to identify third-party transactions
• Monitoring and responding to Chargeback disputes
• Action items in the internal Pepperstone inbox from our banking ad PSPs partners ensuring it is cleared daily and all emails are actioned in an accurate manner
• Action items in the Salesforce inbox; as this is the main method of communication with clients ensure the inbox is cleared daily in line with Pepperstone’s SLA
• Action items in the internal Payment Operations Slack channel and ensure all posts are responded to in line with Pepperstone’s SLA
• Action items in the Slack channel for requests from the Reconciliation and Finance team regarding reconciliation variances & other ad-hoc requests on a daily basis
• Assistance with Payment Provider Reconciliation Process
• Download transaction statements from all of our banking portals and prepare them for daily reconciliation in our cash sheets
• Download other transaction statements (withdrawals and cash adjustments) and prepare them for reconciliation
• Check that all deposits have been applied correctly, complete any payments and deposits where there were errors
• Process cash adjustments on a daily basis as required
• Maintain a working approach of continuous improvement and highlight ideas at the Payments Operations Team
• Submitting tickets for IT issues
• Investigating and resolving transactions issues with the PSPs
• Providing information related to Accounts function to Compliance and or payment providers when requested
• Bank statement verification
• Ensuring allocated tasks are completed within the business day

Preferred Qualifications

• Any additional language skills are advantageous
• Qualification in Accounting, Finance, Business, or related areas of study preferred but not essential

Benefits

• Competitive salary structure including company bonus scheme
• Genuinely collaborative and friendly culture
• Flexible and hybrid working
• Remote working option - work from anywhere for up to 6 weeks per year
• Ongoing personal development & learning opportunities
• 3 paid volunteering days per year & Workplace Giving Program
• Periodic recognition and reward programs for outstanding performance and achievements
• Frequent events and celebrations
• Comprehensive medical insurance with coverage for your healthcare needs
• Pension fund
• Employee Assistance Program & Wellbeing Initiatives
• Convenient and cozy office located near the Limassol Municipal Garden