Payment Operations Specialist (all genders)

Satispay

About us Satispay began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives. By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need. What you'll be doing As our AP & Payment Operations Specialist, you’ll be the person who owns and ensures the accurate, timely, and reliable execution of vendor payments across the Satispay Group. Here's what your day-to-day will look like: * Vendor payment execution – Run end-to-end vendor payment cycles directly across our banking platforms, utilizing invoices and purchase orders from SAP, while managing and prioritizing the payment queue based on due dates and urgency. * Exception resolution – Investigate and resolve transactional discrepancies, eliminate duplicate payment risks, clear delayed or unmatched invoices, and accurately handle payroll-adjacent flows such as pension contributions and loan deductions. * Process optimization & infrastructure – Maintain and scale the payment workflow, document processes within a robust operational playbook, and partner with the Treasury Manager to bridge structural gaps and automate payment flows via SAP bank connectivity. * Cross-functional coordination – Serve as the central point of contact for internal payment requests, collaborate with Accounting and Procurement for smooth handoffs, and align with Controlling to maintain high internal standards and audit readiness. Who we're looking for We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you? * Relevant experience – You bring at least 3–4 years of hands-on experience in accounts payable, payment operations, or treasury back-office environments managing vendor payment queues. * ERP & systems proficiency – You are comfortable working inside ERP environments—with SAP 4 HANA being strongly preferred—and have navigated multiple banking platforms simultaneously. Exposure to cash management or reconciliation tools is a plus. * Organized and detail-oriented – You successfully manage multiple priorities under pressure, maintain strict accuracy in execution, and hold yourself to a high standard because you understand that every detail matters in payments. * Clear communicator – You are fluent in English and fully at ease collaborating with both internal business teams and external vendors verbally and in writing. Exposure to an international corporate or fintech environment is a major advantage. * Adaptable and proactive – You thrive in a scaling environment, viewing unoptimized workflows or manual workarounds as opportunities to improve systems rather than obstacles. CareAbout: how we support your impact We move fast, and evolution never stops. It's a fun ride, but it can be challenging. To make sure our people truly thrive, we're committed to making their lives easier, both in the office and out in the world. That's why we created CareAbout: * ❤️ Health (Private insurance for you and your family, psychological support with Serenis, mental health workshops) * 💰 Financial resources (Stock Option Plan, Meal vouchers, Relocation support if you're moving countries) * ⚙️ Growth and development (Professional development programs, Internal mobility, Language courses with Preply) * 🌱 Flexibility (Unlimited PTO, Hybrid working policy*, Flexible working hours) * 👨‍👩‍👧 Family (Enhanced parental leave, Additional leave for child sickness) *We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time. Equal opportunity employer At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs! Learn more about us Our values and pillars aren't just fancy words on a page - they really shape everything we do. Explore them here. #LI-DNI #LI-HYBRID By submitting this application, I acknowledge that I have read and understood the content of the Privacy Policy

lemon.markets

ABOUT LEMON.MARKETS 🍋 We enable anyone to be an investor. Our mission is to grow investing opportunities for all European customers and businesses. By empowering FinTechs, banks, and wealth managers to offer investment products, we help create financial well-being for their customers. lemon.markets is a Brokerage-as-a-Service platform: simple digital access to capital markets through a single API. Our API-first infrastructure abstracts brokerage complexity with a well-documented API, a self-service customer operations portal, and a clear regulatory framework, so partners can launch customer-centric, compliant products in weeks, not months. As part of the dwpbank Group, we share a clear goal: we enable anyone to be an investor by making investing in capital markets more accessible. By combining dwpbank’s long-standing expertise and stability with lemon.markets’ technology-first mindset and speed, we are building a modern, modular securities services ecosystem. Together, we offer faster time-to-market, modular services, and a modern customer experience that helps financial service providers stay competitive and respond more flexibly in a changing market. YOUR MISSION As our Banking Operations Specialist, you’ll own the daily “money movement” engine end to end and help us build the function from the ground up. You’ll run payment cycles, reconcile bank activity every day, and ensure every bank transaction lands correctly in the ledger using clean double-entry logic. When something doesn’t match, you’ll bring calm structure: investigate quickly, document what you did and why, resolve the root cause, and put guardrails in place so the same issue is less likely to happen again. You’ll also partner closely with Product and Engineering to improve tooling and automation, so the operation becomes more reliable, easier to run, and progressively less manual. As the company grows, this role is designed to expand in scope. If we build a larger operations team over time, you’ll have the opportunity to step into leadership responsibilities, shaping processes, hiring/training new team members, and setting the operational standard for how banking ops runs at scale. IN THIS ROLE YOU WILL: * Execute daily payment runs: you prepare payments, perform checks/controls, and manage release/approval steps. * Keep payment routing correct end-to-end: you ensure the right rails/providers/bank accounts are used and flows are handled cleanly. * Resolve payment exceptions: you monitor statuses and work through rejects/returns/failed payments with clear tracking and follow-through. * Run daily bank reconciliations: you reconcile bank statements vs. internal systems and ledger postings; investigate breaks and drive root-cause fixes. * Ensure ledger-accurate double-entry postings: you perform/validate bank-related bookings (clearing accounts, cut-offs, balancing logic; accruals where relevant) and keep them traceable. * Improve processes and controls: you strengthen SOPs, checklists, evidence standards, and handovers to reduce risk and manual work. * Partner with Product/Engineering on tooling: you turn operational needs into improvements (reporting, reconciliation logic, payment tooling, alerting/monitoring). YOU’LL BE SUCCESSFUL IN THIS ROLE IF YOU HAVE: * Relevant ops experience: you have 5+ years in Banking Ops, Payments Ops, Finance/Accounting Ops, Treasury Ops, or similar, ideally within a regulated environment. * Payments execution experience: you’ve run payment operations end-to-end, including exception handling (rejects/returns/failed payments). * Reconciliation and investigation skills: you are hands-on when it comes to daily reconciliations, structured break analysis, and thoughtful root-cause resolution. * Strong accounting and ledger foundation: you are confident with double-entry applied to bank flows, clearing accounts, balancing logic, and cut-offs. * High accuracy and audit-ready documentation: you’re detail-oriented, dependable, and consistent about evidence quality. * End-to-end flow understanding: you are able to explain and reason through payment flows from initiation to booking and reconciliation. * Ownership and collaboration mindset: you are reliable in daily critical processes, structured in execution, and comfortable translating operational needs to Product/Engineering while driving continuous improvement. * Nice to have — leadership/mentoring experience: you’ve mentored or coached Banking Ops colleagues (formal or informal), and you enjoy helping others raise the bar in day-to-day execution. HOW WE TAKE CARE OF YOU: * 🚀 Compensation package: We offer you a competitive salary, based on your experience and the value-add you bring to lemon.markets. * 💎 Make a real impact: Our start-up environment gives you the room to shape your career, explore areas outside your role, and build expertise through ownership. As we mature and are backed by dwpbank, we’re adding a layer of resources and expertise you are benefiting from. * 🕑 Flexible working hours: We trust people to choose when they work best and avoid a rigid 9 to 5 mindset. You decide on the rhythm that helps you do your best work, with only shared core hours from 12:00 to 16:00 to support collaboration. * 🏢 Hybrid work setup: You can work from anywhere in Germany within a hybrid model. At the same time, in-person collaboration is a key part of our culture. That being said, individual contributer lemoneers work 4 days or more per month on-site in our Berlin office, spending quality time together with the team at events, onsites/offsites or over team dinners. * 📈 Grow with us: We take your personal development seriously! You’ll get regular mentorship and stretch opportunities, a clear career development framework with frequent feedback conversations as well as an annual learning budget. * 🌱 People & culture: You’ll feel our culture in the small things, like polaroids from our lemoneers’ first day, Friday food market strolls at Maybachufer, and our monthly new-joiner breakfast. But also in the bigger things: celebrating the onboarding of new partners, growing our teams, and owning a strong discussion culture. * 💛 Perks & benefits: We choose benefits that add actual value. We sponsor a Deutschlandticket for employees on unlimited contracts, plus 50% off on Beatvest - our partner for financial education and investing. * 🏝 Workation: Get out of here! At lemon.markets you can work remotely from anywhere in the EU for up to 10 consecutive days at a time, and up to 60 days per year in total. As an equal opportunity employer, lemon.markets is committed to building an inclusive workplace. The company welcomes people from all different backgrounds, including age, citizenship, ethnic and racial origins, gender identities, individuals with disabilities, marital status, religions and ideologies, and sexual orientations to apply. If you feel this role could be a great match for you even if you don’t tick every box, we’d still love to hear from you, please apply. You have any questions? Feel free to contact us via talent@lemon.markets.com

Bitpanda

WHO WE ARE  We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.   Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!   Your mission As a Payment & Risk Operations Specialist at Bitpanda, your mission is to conduct pre-execution transaction monitoring to prevent exposure to financial crime and system abuse, applying first-principles reasoning to assess unusual activity by using evidence and data to balance risk and impact in a way that serves both the company and the user.   What you’ll do * Assess suspicious activity in fiat and crypto transactions; determine and take ownership of appropriate mitigation strategies. * Analyse blockchain data to inform risk decisions with actionable insights. * Provide direct customer support via email and live chat, ensuring clear and professional communication. * Collaborate with internal teams on escalated cases, ensuring SLA adherence and contributing to operational improvements. * Support senior team members by compiling insights on emerging fraud trends and assisting with relevant reporting.     Who you are * Demonstrate a strong commitment to fraud prevention through proactive, impact-driven intervention methods. * Apply practical, well-reasoned problem-solving grounded in data and logic, with a focus on efficiency and meaningful outcomes. * Communicate effectively, operate with sound judgment, and base decisions on evidence rather than personal bias or assumption. * Adapt easily to shifting priorities and maintain a continuous learning mindset to close knowledge gaps. * Bring relevant fraud prevention experience (ideally in crypto/Fintech); blockchain investigation and SQL skills are a plus.     WHAT’S IN IT FOR YOU * Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice. * Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan. * Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP. * Time to recharge – On top of your standard annual leave, Prioritise your wellbeing with 3 additional days of paid time off to rest, reset, and recharge, available once you’ve been with us for 6 months. * Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace. * Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel. * Support during life milestones – Take advantage of our additional 8 weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family. * Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fueled and focused all day long. * Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda. * Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent. * Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to gatherings worldwide, fostering fun, connection, and celebration        .…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.   Above all, you will have the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform. BITPANDA IS COMMITTED TO FOSTERING A FAIR AND EQUAL ENVIRONMENT BASED ON TRUST AND MUTUAL RESPECT. WE BELIEVE THAT A DIVERSE AND INCLUSIVE WORKPLACE IS PARAMOUNT TO OUR SUCCESS AND WE ARE COMMITTED TO BUILDING A TEAM THAT REPRESENTS A WIDE VARIETY OF BACKGROUNDS, PERSPECTIVES, AND SKILLS. * THESE BENEFITS MAY BE ADJUSTED AT BITPANDA’S DISCRETION AND DO NOT APPLY TO OUR INTERNSHIPS AND EXCEPTIONS TO OUR HYBRID WORKING POLICY APPLY TO TEAMS WITH SHIFT SCHEDULES OR FOR FOLKS WHOSE ROLES REQUIRE THEM TO BE IN-OFFICE (THINK: WORKPLACES TEAM OR IT).