Payment Operations Analyst

About the role

Swan, an embedded banking specialist based in Paris, is hiring a Payment Operations Analyst on a hybrid basis. Most money movements are processed automatically, and the Payment Operations team handles the exceptions, incidents, disputes and controls that keep the regulated financial institution safe. The role sits in the Payment Group, which builds and operates the banking products and platform behind cash collection, storage and money movements.

Key responsibilities

• Resolve end-to-end incidents involving credit transfers, direct debits and card transactions, with internal teams and external partners such as partner banks, card processors and Mastercard.
• Handle clearing versus settlement controls, reconciliation breaks and the rare non-STP transactions.
• Manage card disputes and chargebacks, and oversee physical card stock with the card manufacturer.
• Carry out level-1 controls on payment flows and the automated cantonnement process, and prepare Mastercard and X-Pay (Apple Pay, Google Pay) performance and fee reports.
• Use AI agents daily to investigate, reconcile, control and document, and give feedback to improve them.
• Turn repetitive tasks into requests for Banking Operations or the Efficiency & AI Automation team, test what ships and retire manual workarounds.
• Act as the go-to payment expert for Customer Support, Product Implementation Managers and Product Managers, and lead improvement projects.

Required profile

• Rigorous and analytical, with good judgment on edge cases and escalation decisions.
• Comfortable with data and BI tools (e.g. Metabase); SQL is a plus.
• Fluent in English; French is a plus.
• A payments or banking background (PSP, EMI, bank) is a plus.

Required skills

• Use of AI tools in daily work and awareness of their limits.
• BI tools such as Metabase; SQL is a plus.

What we offer

• Salary of 48,000 to 56,000 euros per year.
• 25 days of holidays plus RTT.
• Meal vouchers via a Swile card and a monthly mobility package.
• Health insurance (Alan) and discounts on sports and wellness subscriptions.
• Access to Moka Care for mental health and wellness.
• Hybrid remote option of two days per week.

The recruitment process includes interviews with a Talent Acquisition Specialist and the Hiring Manager, a case study and peer interview. The position is full-time and permanent.