Senior Payment Settlement Specialist

Teya

Hello. We’re Teya. Teya was founded on a simple belief: local businesses deserve better. They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business. Teya exists to change that. We’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work. We move fast. We care about quality. We stay close to the detail. And we believe great performance and genuine hospitality should go hand in hand. If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from you YOUR MISSION We are looking for a Payments Specialist to join our Financial Services team in London. This is a senior individual contributor role sitting at the intersection of product, operations, and scheme compliance. You will own Teya's participation in European and UK payment schemes — driving new connections, maintaining scheme compliance, and supporting the build-out of our payments infrastructure as we scale. The ideal candidate brings deep functional expertise across domestic and cross-border payment rails, has operated in or alongside tier-1 banks or payment networks, and can work across technical and commercial stakeholders to drive outcomes KEY RESPONSIBILITIES * Lead Teya’s direct and indirect participation in UK and European payment schemes, including Faster Payments, CHAPS, SEPA Credit Transfer, SEPA Direct Debit, and BACS. * Drive ISO 20022 migration activity — including MT to MX message mapping, scheme compliance, and tecEuropehnical implementation with engineering partners. * Own scheme rulebook adherence across , monitoring regulatory and standards changes from SWIFT, EBA, Vocalink, and the Bank of England. * Define and document functional requirements for payments platform changes, working alongside product managers and engineers. * Represent Teya in external sessions with schemes, central banks, and infrastructure partners (e.g. our banking infrastructure partner, Vocalink, SWIFT). * Conduct market research and support new product development across acquiring settlements, treasury, and real-time payments. * Support the build-out of Teya’s acquiring and banking settlement infrastructure, including reconciliation, exception handling, and payment operations tooling. * Provide subject matter expertise on cross-border payment flows, SWIFT GPI, FX payment frameworks, and high-value clearing systems. REQUIRED SKILLS & EXPERIENCE Essential * 8+ years in payments, with hands-on experience across multiple UK and European payment schemes (Faster Payments, CHAPS, SEPA, BACS, SWIFT). * Strong working knowledge of ISO 20022 — MT/MX message standards, CBPR+, and T2 RTGS migration. * Experience leading or contributing to direct scheme participation projects, including regulatory approvals and technical implementation. * Proven ability to write high-quality functional specifications and HLD/LLD documentation. * Strong stakeholder management skills — comfortable engaging with scheme bodies, central banks, and C-suite internally. * Fintech or financial services background, ideally with exposure to both banking infrastructure and merchant-facing or acquiring products. Nice to Have * Experience with the UK New Payments Architecture (NPA) and evolving Open Banking infrastructure. * Familiarity with tokenised payments, blockchain-based settlement, or digital currency frameworks. * Exposure to acquiring settlement flows, merchant reconciliation, or embedded finance products. * Background in quality engineering or testing within a payments context (e.g. SWIFT, SIT, UAT across core banking changes). The Perks * Physical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness, and nutrition apps * Our company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support * Cycle-to-Work Scheme * Health and Life Insurance * Pension Scheme * 25 days of Annual Leave (+ Bank Holidays) * Office snacks every day * Friendly, comfortable, and informal office environment in Central London Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.

Pantheon

Pantheon has been at the forefront of private markets investing for more than 40 years, earning a reputation for an innovative approach to investing in secondaries, co-investments, and primary fund investments, as well as capital formation across commingled funds, evergreen vehicles and customized solutions. Our specialist investment capabilities span multiple strategies across private equity, infrastructure and real assets, and private credit. Through our collaborative and committed culture, we find new ways to solve complex problems together and deliver innovative investment opportunities across private markets. Pantheon currently manages approximately $82.3 billion in AUM across all its strategies, serving more than 750 institutional and 638 private wealth clients worldwide For further details please visit www.pantheon.com Purpose of Position The Senior Associate sits in our Fund Finance team and helps run Treasury across Pantheon’s commingled funds, separately managed accounts, and special purpose vehicles. You will oversee cash flow forecasting, sign off on capital calls, distributions and credit facility activity, manage our external outsource provider, and execute FX and money-market trades. You will partner closely with deal teams, finance, legal, compliance, investor relations, banks, lenders and fund administrators and contribute to scaling the platform as cash and debt under management grow. Key Responsibilities Liquidity and cash management * Lead and Manage cash flow forecasting for Pantheon’s funds across all private debt and Private equity strategies, partnering with the investment, finance and investor relations teams. * Sign off on investor capital calls and distributions. * Monitor liquidity across all accounts and provide bespoke reporting to portfolio managers to make sure we can meet new investments, calls, distributions, fees and expenses. * Run treasury operations for legacy and wind-down funds, including quarterly distribution processing. Subscription and NAV credit facilities * Manage the external outsource provider responsible for tracking facility data, producing borrowing base and covenant calculations, and shadow interest calculations. * Sign off on credit facility drawdowns, repayments, rollovers and compliance reporting. * Track facility limits, key covenant dates and documentation. Escalate breaches or approaching thresholds promptly. * Coordinate with internal teams and lenders on facility renewals and notices. FX and cash investment * Review and execute FX trades to support liquidity and FX exposure decisions. * Review and execute money-market fund trades and term deposits to support liquidity decisions. * Identify opportunities to maximise yield in line with approved investment guidelines. Payments, systems and team oversight * Act as signatory for sensitive new deal wires and other urgent payments. * Assume line management responsibility to support the Treasury team’s day-to-day activities — liquidity, FX execution, deal settlement, facility management and tackling investor queries. * Support the Treasury Management System upgrade project (Hazeltree) * Lead the improvement of processes to support growth in cash and debt under management and assess further outsourcing to external providers. Controls, compliance and stakeholder partnering * Ensure compliance with relevant laws, regulations and Pantheon policy. Report compliance risks promptly and maintain high standards of conduct. * Be a primary point of contact for internal stakeholders (investment, risk, fund finance, legal, compliance, investor relations) and external partners (banks, auditors, outsource providers, fund administrators). Artificial intelligence * Identify and scope AI use cases across Treasury liquidity analytics, cash forecasting, idle cash deployment, document and legal review, and bank account / KYC onboarding workflows. * Build the business case and own the roadmap quantify the impact of each use case, prioritise against capacity, and sequence delivery. * Deliver tooling into day-to-day Treasury operations partner with Tech, Strategy & Business Management and the Data team to embed solutions through Databricks, Hazeltree and Claude. * Build team capability develop the team's prompting standards, skills framework and quality review process so outputs are dependable and consistently adopted across the function. Knowledge & Experience Required  Essential * Deep and comprehensive treasury experience in private equity, private credit is essential. * Experience designing, implementing or upgrading a Treasury Management System. * Hands-on experience of subscription credit facilities and NAV financing, including drawdown mechanics, borrowing base and covenant monitoring. * Comfortable executing FX trades and money-market fund transactions in a fund context. * Strong grasp of payment controls, wire verification protocols and segregation of duties. * High Excel proficiency (VBA required) * Track record of working accurately under deadline pressure in a high-volume environment. * ACT Certificate in Treasury (CertT) or equivalent qualification (CFA) Desirable * Experience managing small Treasury Teams. * Practical knowledge of applying AI in a treasury context * Exposure to TMS implementation or treasury transformation projects. * Familiarity with fund lifecycle management. * Familiarity with SWIFT messaging standards and custodian reporting platforms. * Working proficiency in Python/SQL/Cala or other programming languages Personal Attributes  * Driven and meticulous with strong ownership and accountability. * A proactive communicator who manages stakeholder expectations and escalates appropriately * Collaborative comfortable working across investment, finance, legal and compliance teams. * Curious about how to make things better. You spot inefficiencies and contribute ideas to fix them. * High professional standards. Aligned to our values and our risk culture. This job description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. You may be required to perform other job-related duties as reasonably requested by your manager. Pantheon is an Equal Opportunities employer, we are committed to building a diverse and inclusive workforce so if you're excited about this role but your past experience doesn't perfectly align we'd still encourage you to apply.

Redpin

Manager – Reconciliations Control & Governance Role Purpose The Manager – Reconciliations Control & Governance is responsible for strengthening the control environment, governance framework, and operational integrity of reconciliation processes across multi-entity, multi-currency financial/Treasury operations. The role will focus on ensuring reconciliations are accurate, timely, and compliant with applicable regulatory requirements, including FCA client asset (CASS) and global safeguarding frameworks including DFSA, ASIC, FMA and other. It will play a key role in reducing operational risk, improving consistency, and enhancing transparency across end-to-end reconciliation processes. Key Responsibilities Reconciliation Control & Oversight * Own and maintain the end-to-end reconciliation control framework across bank accounts, client money, broker positions and payment flows * Perform and oversee complex reconciliations involving: * High-volume payment transactions, Multi-currency FX settlements and conversions, Inter company and client asset movements and reconcile cash and positions with the Brokers/Liquidity Providers * Ensure timely completion of reconciliations in line with regulatory (CASS/Safeguarding) and strict internal timelines * Establish and enhance matching logic and exception management processes * Generate and distribute daily MI confirming completion of the daily internal and external Safeguarding reconciliations to the Safeguarding Committee including up keep and reporting of Key Risk Indicators. * Perform/Oversee regulatory returns of client assets across the Group entities  * Lead/Assist reconciliations and Treasury payment automation projects across the firm * Close collaboration with Treasury/Operations on cash management aspects and ensure Safeguarding accounts and Treasury movements are executed in a timely manner * Responsible for drafting policies and procedures for the areas responsible. * Oversees Annual Client Asset audits Break Identification & Resolution * Lead investigation and resolution of reconciliation breaks across banking, payments, brokers, and internal ledger systems * Conduct root cause analysis and implement preventative controls to reduce recurring issues * Work closely with cross-functional teams (Finance, Treasury, Payments, Operations, Technology) to resolve discrepancies * Ensure clear tracking, documentation, and closure of all exceptions Regulatory & Client Asset Protection * Ensure reconciliation processes align with FCA CASS requirements and relevant global safeguarding regulations * Support the safeguarding of client funds through robust reconciliation and control processes * Maintain audit-ready documentation and evidence for reconciliation activities * Partner with Risk, Compliance, and Audit teams to demonstrate control effectiveness Control Framework & Process Standardisation * Define and implement standardised reconciliation processes across regions and systems * Strengthen governance, control checkpoints, and escalation frameworks * Identify control gaps, inefficiencies, and dependency risks in existing processes * Drive continuous improvement and automation initiatives in collaboration with Technology teams Governance, Oversight & Escalation * Provide independent oversight of reconciliation output quality and control effectiveness * Act as a key escalation point for control breaks, process failures, and capacity risks * Establish clear ownership and accountability across reconciliation processes * Provide regular updates on reconciliation status, risks, and control issues to senior stakeholders Stakeholder Management * Collaborate with Finance, Treasury, Payments Operations, Risk, and Technology teams * Support internal and external audits related to reconciliations and client asset safeguarding * Influence stakeholders to drive consistent and robust control practices Team Leadership * Manage and develop a small team of reconciliation analysts/specialists * Provide coaching and oversight on complex reconciliation activities * Ensure consistent application of control standards and best practices across team outputs * Build capability within the team to handle high-complexity scenarios Key Skills & Experience * Strong experience in bank reconciliations, financial control, or payments operations within a regulated financial services environment * Prior experience of using automated bank reconciliations tools like: Autorek, Grath or similar * Deep understanding of complex transaction environments, including: * Multi-currency / FX flows, High-volume payment systems, broker recs, Client money / safeguarded funds * Knowledge of FCA CASS rules and/or equivalent global client asset protection frameworks * Proven experience in investigating and resolving complex reconciliation breaks * Strong understanding of control frameworks, governance, and audit requirements * Experience working across Finance, Treasury, Operations, and Technology functions * Prior experience managing or mentoring small teams Key Competencies * Strong control mindset and attention to detail * Experience in implementing hub & spokes model of operations * Structured problem-solving and analytical thinking * Ability to operate effectively in time-sensitive, high-pressure environments * Strong stakeholder management and influencing skills * Calm, execution-focused leadership style * Ability to introduce structure and clarity in complex environments Reporting Line * Reports to: Group Head of Safeguarding, Risk & Treasury (UK) * Works closely with: Regional Finance, Treasury, Payments Operations, Risk & Compliance teams