Finom

specialist in T2 payment operations

In short

This role runs T2/TARGET payment operations for a fintech B2B banking platform, owning payment investigations, recalls, returns, and SWIFT enquiries. It centers on managing the migration from BNP Paribas to direct participation in TARGET Services, coordinating with the Eurosystem, DNB, SWIFT, and correspondent banks. It requires 2–3+ years of hands-on payment operations experience with T2/TARGET (RTGS, TIPS) and fluent English. The position is fully remote across the EU.

About Finom
Finom provides an all-in-one financial B2B platform for entrepreneurs, integrating banking, accounting, financial management, and invoicing. Its platform also offers AI-enabled accounting and other features designed to simplify financial management.
Responsibilities
•Own core payment processes, including SCT and SCT Inst recalls, investigations, SWIFT enquiries, missing or incoming funds, rejects, returns, and refunds
•Run the T2 platform day to day, maintain CRDM reference data, and set up four-eyes controls and the manual-versus-automated split
•Manage the migration from BNP Paribas to direct participation, ensure every payment is traceable by BIC and path, and define when BNPP-dependent steps can be retired
•Link Payment Operations with the reconciliation team; funding and defunding remain with Finance Operations and Treasury
•Build incident processes around DNB, FIS, and TARGET escalation routes, own Payment Operations' role in DNB reporting, and define the ECONS II contingency approach
•Coordinate with the Eurosystem, DNB, SWIFT/NEXI, FIS, and correspondent banks; partner with Product and Engineering to specify platform behavior
•Ensure direct-participation processes have owners, documented procedures, and passing UAT evidence
•Ensure the migration has no customer impact and provide Customer Support with clear guidance
•Run T2 as stable business-as-usual after go-live, with no remaining BNPP operational dependency
Requirements
•Hands-on experience with T2 / TARGET Services (RTGS, TIPS), including GUI and U2A/A2A actions
•2–3+ years of payment operations experience at a bank, EMI, or PSP
•Familiarity with investigations, recalls, returns, and SWIFT / ISO 20022 messaging
•Experience writing SOPs and controls, or the ability to learn quickly
•Comfortable working with regulators, partners, and technical teams
•Able to make sign-off and escalation decisions with support from the team
•Fluent English
Nice to have
•CRDM reference-data maintenance
•Direct-participation onboarding or sponsor-bank migration
•DNB / TARGET-NL conditions, IPR, PSD2
•ECONS II contingency processes
Conditions
•Stock Options Program
•Work & Swim Program: one month in a corporate apartment in Cyprus
•Work across the EU

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