Process Owner

Finom

Target2 Process Owner leading payment-operations transition for Finom’s all-in-one financial platform for entrepreneurs. Owning T2 processes, infrastructure, regulatory coordination, migration, and post-go-live operations.

Posted 8/7/2026full-timeRemote • 🇵🇱 PolandMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Payment Operations, including direct T2 participation, SEPA schemes, and TARGET Services. Proficient in managing payment investigations, regulatory reporting, and incident management processes while ensuring compliance with operational obligations.

Highest-signal resume keywords

Payment Operations ManagementTARGET Services ExperienceSWIFT Messaging KnowledgeIncident Management DesignRegulatory Reporting Liaison

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Payment InvestigationsSCT/SCT Inst ExposureISO 20022 MessagingT2 GUI OperationReconciliation ToolsLiquidity MonitoringSOP DocumentationAuthorization MatricesIncident EscalationDNB/TARGET-NL Familiarity

Soft Skills

Cross-Functional CollaborationIndependent Decision-MakingEffective Communication

Tools & Technologies

T2 GUICRDMSWIFTU2A/A2A ActionsECONS II Processes

Industry Keywords

Payment OperationsSEPA SchemesTARGET ServicesEMI/PSD2 ObligationsInstant Payments Regulation

Tech Stack

Tools & technologies

Swift

About the role

Key responsibilities & impact

Own the operational side of Finom’s Target2 transition end to end
Set up, document, validate, and maintain Payment Operations processes for direct T2 participation
Own SCT Inst recalls, SCT/SCT Inst inquiries and investigations, SWIFT messages, ISO 20022 flows, incoming funds monitoring, rejects, returns, and refunds
Operate and maintain T2 GUI/dashboard access, CRDM reference data, TARGET access controls, authorization matrices, certificates, and segregation of duties
Manage the dual-route migration from indirect to direct participation
Own Payment Ops interfaces with reconciliation, liquidity monitoring, MCA, RTGS DCA, and TIPS DCA
Redesign incident detection and escalation processes and assess payment impact
Own DNB notifications, reporting, evidence retention, and the Payment Ops role in ECONS II contingency processes
Coordinate with the T2 scheme/Eurosystem, DNB, SWIFT/NSP, FIS, correspondent banks, Product, Engineering, Reconciliation, Compliance, Risk, and Finance Ops
Define automation versus manual operations and specify back-office development needs
Establish documented procedures, ownership, escalation/fallback processes, and UAT evidence
Deliver a successful migration with stable business-as-usual operations and no residual BNPP operational dependency

Requirements

What you’ll need

Minimum 3+ years of experience in payment operations at a bank, EMI, or PSP
Hands-on exposure to SEPA schemes, including SCT and SCT Inst
Hands-on exposure to TARGET Services, including T2/RTGS and TIPS, with direct connectivity
Practical knowledge of payment investigations, recalls, returns/refunds workflows
Working knowledge of SWIFT and ISO 20022 messaging, including MT199/MT999, pacs, camt, and pain
Experience operating T2 GUI, CRDM, reconciliation, and liquidity-monitoring tools, including U2A/A2A actions
Ability to design and document SOPs, four-eyes controls, authorization matrices, and audit-quality evidence
Experience liaising with regulators, scheme operators, SWIFT/NSP, service providers, correspondent banks, and cross-functional teams
Ability to independently own sign-offs, incident escalation, and regulatory reporting decisions
Familiarity with DNB/TARGET-NL conditions, the Instant Payments Regulation, and EMI/PSD2 operational obligations
Professional fluency in English, written and spoken
Prior direct TARGET/RTGS/TIPS onboarding or sponsor-bank-to-direct-participation migration experience is nice to have
Experience establishing incident management and ECONS II contingency processes is nice to have

Benefits

Comp & perks

Resources and opportunities for continuous personal and professional development
Flexibility to travel and work remotely or in a hybrid model across Europe
Stock Options Program available to every team member
Constant support and care
Modern, friendly, and eco-conscious corporate culture
Work & Swim Program: one month in a corporate apartment in Cyprus
Equal opportunity employer and diversity commitment