Digital Payments Expert

At ING we are looking for a Digital Payment Expert

Your role and work environment:

We are looking for a talented and enthusiastic Digital Payment Expert to join our Payments Delivery Area Team of Core Banking and Clients Tribe Spain

The responsibility of this team is to provide the best solution for Payments considering customer needs, market behaviors, regulations, and user requirements, delivering high quality developments based on Agile Methodology. Making things happen, helping others be successful, always being one step ahead—that’s our DNA.

Your key responsibilities:

As a Digital Payment Expert you will:

As a key member of a squad, you will provide a broad knowledge on ING products, services, channels, and local Payments Regulations.

You are part of the delivery team to define functional requirements, participation in testing and support before the Go-live.

You control the process of the Clearing systems, solve the incidents in case of errors, provide the information and help to the support teams or the providers.

You identify the products or services that best meet the customer's stated needs, use personal expertise to propose quantities and product configurations. You represent the voice of the customer (External and internal) improving the processes.

You analyze data to extract operational information for decision taken, create reports for Operations areas (MicroStrategy, Excel, Power Point, etc..). Analysis of evolutions, trends and volumes seeking improvements that increase customer satisfaction and cost efficiency.

You collaborate / day-to-day teamwork with suppliers. Detect incidents in the processes of external providers, report incidents and track them. Track processes with suppliers, propose improvement measures and measurements that establish the effectiveness of the actions implemented.

You are responsible for improving the service with an end-to-end mindset, for the day-to-day performance, for building reliable business operations and services, and for connecting it with internal or external parties.

You work with Risk, Compliance, and Legal stakeholders, to make sure our products and services comply with regulation and policies.

What are we looking for?

Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fits… don’t hesitate to apply!

• Master or bachelor’s degree between 5/9 years of experience managing complex projects.
• Customer focused and results-oriented person.
• Strong effective presentations skills.
• Excellent communication skills.
• Strong English is a must have.
• Remote Collaboration: be adept at collaborating with team members in different time zones and cultural backgrounds.
• Payment processing: Understanding of the end-to-end payment processing cycle, including authorization, clearing, and settlement. Have proven experience in Operations.
• Cross-Cultural Sensitivity & Empathy: Being aware of cultural differences within the offshore team fosters a positive and harmonious work environment.
• Adaptability: be flexible and adaptable to changing circumstances and time zone differences.
• Prioritization: Strong prioritization skills and ensure the team focuses on delivering high-impact results.
• Risk Management: Identifying potential risks in an offshore setup and implementing measures to mitigate them ensures smoother project execution.
• Deadlines Management: Efficiently managing time and deadlines to keep the development on track and deliver the product within scheduled timelines.
• Stakeholder Management: Engaging and managing stakeholders effectively for successful project outcomes.
• Problem-Solving: Strong problem-solving skills enable to address challenges and obstacles that may arise
• Tech: Although not mandatory, some technical knowledge to facilitate effective communication and understanding between the Product Owner and the development team.

What do we offer?

The time you spend at work, the challenges you face or the lessons you get are very important, but… What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details.

Check out what is waiting for you!

Be flexible my friend.

Our model is all about flexibility and accountability. Keeping both our customers and our colleagues needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self. Do your thing.

Restaurant card.

So that thinking about what to have for lunch doesn’t take up your time or your cravings.

Our house will be your home.

In our offices you can find electric mobility solutions, doctor, hairdresser, gym, The Good Service (to help you with your errands) and much more!

Health insurance.

For you and all your family (spouse/partner and children).

Life insurance.

We help you protect what matters most to you.

Flexible remuneration.

In addition, you will enjoy our flexible remuneration model, through a more tax-advantaged way, you will be able to access other services such as nursery, transport card, training aids…

Free company shuttle.

It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to get you to our ING office in Madrid comfortably.

Banking benefits.

Special loans with more beneficial conditions.

Special mortgage conditions after 6 months working at the bank.

And you can benefit from our pension plan after 1 month with us!

More vitality and more belonging

360º care of the employee (physical, mental, social connection & purpose).

Physiotherapy service on site.

Runners club with your own trainer.

Clinics with professional, world-class athletes.

Gympass service.

Employee Networks: Rainbow Lions (LGBTQI+) & Leonas.

Get to know Us

We are a team of more than 1600 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools they need to get where they want to go.

A fully online bank where technology, innovation, simplicity and transparency are the main ingredients, and the first one to work with agile methodologies.

And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries.

We are proud to have a diverse team and we are committed to continue developing a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all collectives in the society.

And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey.

Making things happen, helping others be successful, always being one step ahead—that’s our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working…we are looking forward to meeting you!

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Buscamos a una persona con talento y entusiasmo para unirse al equipo de Payments Delivery Area dentro del Tribu de Core Banking y Clientes en ING España.

Este equipo tiene la responsabilidad de ofrecer las mejores soluciones de pagos, teniendo en cuenta las necesidades de las personas usuarias, el comportamiento del mercado, la normativa vigente y los requisitos funcionales, entregando desarrollos de alta calidad basados en metodologías ágiles. Hacer que las cosas pasen, ayudar a otras personas a tener éxito y estar siempre un paso por delante: ese es nuestro ADN.

Como Experto/a en Pagos Digitales, serás responsable de:

• Aportar un conocimiento amplio sobre productos, servicios, canales de ING y normativa local de pagos.
• Participar en la definición de requisitos funcionales, pruebas y soporte previo al lanzamiento.
• Controlar los procesos de sistemas de compensación, resolver incidencias, y apoyar a los equipos de soporte o proveedores.
• Identificar productos o servicios que mejor se adapten a las necesidades expresadas por las personas usuarias, proponiendo configuraciones adecuadas.
• Analizar datos para extraer información operativa, crear informes para áreas de operaciones (MicroStrategy, Excel, PowerPoint, etc.), y proponer mejoras que aumenten la satisfacción y eficiencia.
• Colaborar con proveedores externos, detectar y hacer seguimiento de incidencias, y proponer medidas de mejora.
• Mejorar el servicio con una mentalidad de extremo a extremo, asegurando operaciones confiables y conectadas con partes internas y externas.
• Trabajar con equipos de Riesgos, Cumplimiento y Legal para garantizar que nuestros productos y servicios cumplan con la normativa.

¿Quieres saber si este puesto es para ti? Estas son algunas de las cualidades que más valoramos. Si te identificas, ¡no dudes en postularte!

• Título universitario (grado o máster) y entre 5 /9 años de experiencia en gestión de proyectos complejos.
• Enfoque en la persona cliente y orientación a resultados.
• Habilidades sólidas de comunicación y presentación.
• Nivel alto de inglés.
• Capacidad para colaborar de forma remota con equipos diversos y en distintos husos horarios.
• Conocimiento del ciclo completo de procesamiento de pagos (autorización, compensación y liquidación).
• Sensibilidad cultural y empatía.
• Adaptabilidad y flexibilidad ante cambios.
• Capacidad de priorización y gestión de riesgos.
• Gestión de plazos y cumplimiento de entregas.
• Gestión de personas interesadas (stakeholders).
• Habilidades para la resolución de problemas.
• Conocimientos técnicos (no obligatorios) para facilitar la comunicación con el equipo de desarrollo.

Sabemos que tu vida personal es tan importante como tu desarrollo profesional. Por eso, en ING cuidamos cada detalle para que tu experiencia sea completa.

• Flexibilidad real: tú decides, junto a tu equipo, qué días trabajas desde casa y cuáles en la oficina.
• Tarjeta restaurante: para que no pierdas tiempo pensando en qué comer.
• Oficinas pensadas para ti: soluciones de movilidad eléctrica, servicio médico, peluquería, gimnasio, y más.
• Seguro de salud: para ti y tu familia (pareja e hijes).
• Seguro de vida: para proteger lo que más te importa.
• Retribución flexible: acceso a servicios como guardería, transporte, formación, etc.
• Lanzaderas gratuitas: 6 rutas para llegar cómodamente a nuestra oficina en Madrid.
• Beneficios bancarios: condiciones especiales en préstamos, hipotecas y plan de pensiones.

• Cuidado integral: físico, mental, conexión social y propósito.
• Fisioterapia en la oficina.
• Club de runners con entrenadore personal.
• Clínicas con atletas profesionales.
• Servicio Gympass.
• Redes de personas empleadas: Rainbow Lions (LGBTQI+) y Leonas.

Somos más de 1600 personas con una misma idea: ayudar a nuestras clientas y clientes a construir un futuro mejor, ofreciéndoles las herramientas que necesitan para llegar a donde quieren.

Somos un banco 100% digital, donde la tecnología, la innovación, la simplicidad y la transparencia son clave. Fuimos pioneres en trabajar con metodologías ágiles.

Aunque estamos en España, formamos parte de un banco internacional presente en más de 40 países. Nos enorgullece contar con un equipo diverso y estamos comprometides con seguir desarrollando una cultura de Diversidad, Inclusión y Pertenencia.

Y aunque por fuera somos naranjas, por dentro somos verdes. Nuestra ambición en sostenibilidad es acompañarte en tu camino hacia un futuro más sostenible.

Hacer que las cosas pasen, ayudar a otras personas a tener éxito y estar siempre un paso por delante: ese es nuestro ADN. Si te ves reflejade en esta forma de ser y trabajar… ¡nos encantará conocerte!