Head of Payments, Payment Institution

We reinvent how trading and investing work by creating exceptional products people love. Fostering a culture of excellence and high velocity is the key to our success. Тoday, we serve over 6 million clients, with more than €30 billion in assets under management - a testament to the scale and trust we’ve built in just a few years.

The Head of Payments is a senior member of Trading 212 Money Europe Limited's (the 'Company' or 'T212 MIE') Payments function, supporting the Chief Operating Officer in establishing and maintaining a robust compliance framework. The role carries delegated responsibility for the day-to-day payment operations as a Central Bank of Ireland (CBI)-regulated Payment Institution.

The Head of Payments deputises for the Chief Operating Officer in their absence or where otherwise required, including in engagement with the CBI and other authorities.

• Develop, implement, and maintain the Company's payment operations framework to ensure payment services are delivered in compliance with regulatory and legislative requirements.

• Own and operate the Company's payment services, including the issuance of T212 debit cards, both physical and virtual and the execution of payment transactions through payment cards and credit transfers.

• Run the Cash Account and the T212 Card day-to-day across all channels.

• Manage the operational relationship with the issuer processor and with the card scheme.

• Maintain payment settlements, operating accounts, and daily reconciliation processes.

• Oversee chargebacks, disputes, and notifications of fraud.

• Detect, classify, manage, and escalate operational and security incidents affecting payment services, and support the notification process to stakeholders and clients.

• Produce dashboards and detailed reports for the Board and global governance committees.

• Lead the Payments team, building the function and fostering a culture of operational excellence.

• Act as a trusted advisor, providing expert guidance for new products and initiatives, working closely with compliance, risk, product, fraud, and tech teams to embed appropriate structures, automation, and processes within the design.

• Engender a strong organisation-wide culture of compliance and best practices.

• Professional certifications such as QFA, ACCA, PMP/Prince, Certified Payments Professional designation, and/or equivalent are an advantage.

• Educated to a degree level in Finance, Business, Technology, or a related field is desirable.

• 5+ years of senior payments operations experience within EEA or Irish-regulated financial services (Payments) is required.

• Demonstrable experience of card issuing operations, including work with an issuer processor, a card scheme and a card production supplier.

• Practical experience of payment settlement, funding models, and daily reconciliation, and of the controls that sit around them.

• Experience with retail clients and/or consumers is a requirement.

• In-depth knowledge of European and Irish legislation, regulations, and guidance relating to European Payment Services and Electronic Money Directives.

• Challenges that will help you grow and realize your potential fast.

• Opportunity to make a significant impact - you will build innovative services used by millions of investors to build wealth.

• Work with smart, spirited, helpful, high-performing colleagues with a common goal.

• An environment where nothing is set in stone.

• Appreciation for your talent and ideas.

• Generous remuneration package

Bring your ambition to Europe’s fastest-growing mobile broker!