Senior Specialist, T2 / Target2 Payment Operations (Fintech)

Location: Remote in the Netherlands, Spain, Cyprus or Poland.

Company

European fintech startup developing an all-in-one B2B financial platform that combines banking, accounting, financial management, invoicing, and AI-enabled accounting features.

What you will do

• Own SCT and SCT Inst recalls, investigations including pacs.028, SWIFT enquiries, missing or incoming funds, rejects, returns, and refunds.
• Operate the TARGET2 platform through the T2 GUI and U2A/A2A actions, maintain CRDM reference data, and define four-eyes controls and manual-versus-automated processing.
• Manage the migration from BNP Paribas to direct TARGET2 participation, ensuring payment traceability by BIC and processing path and retiring BNPP-dependent steps.
• Coordinate reconciliation activities with the reconciliation team while funding and defunding remain with Finance Ops/Treasury.
• Build incident, escalation, DNB reporting, and ECONS II contingency processes with DNB, FIS, TARGET, SWIFT/NEXI, correspondent banks, Product, and Engineering.
• Prepare documented procedures, UAT evidence, customer-support guidance, and stable business-as-usual operations after go-live.

Requirements

• Hands-on experience with T2 / TARGET Services, including RTGS, TIPS, the GUI, and U2A/A2A actions.
• Around 2–3 or more years of payment operations experience at a bank, EMI, or PSP, ideally involving SEPA schemes such as SCT and SCT Inst.
• Familiarity with investigations, recalls, returns, and SWIFT / ISO 20022 messaging.
• Experience writing SOPs and controls, or the ability to learn this quickly.
• Comfort working with regulators, partners, and technical teams.
• Ability to make sign-off and escalation decisions with support from the team.
• Fluent English.

Nice to have

• Experience maintaining CRDM reference data.
• Involvement in direct-participation onboarding or sponsor-bank migration.
• Knowledge of DNB / TARGET-NL conditions, IPR, PSD2, or ECONS II contingency processes.

Culture & Benefits

• Remote or hybrid work across Europe.
• Professional development resources and opportunities.
• Stock options available to every team member.
• Supportive, modern, friendly, and eco-conscious work culture.
• Work & Swim program offering one month in a corporate apartment in Cyprus.