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At ACE Money Transfer, our mission and culture serve as the foundation of our operations and the driving force behind.
The Role
Own and optimise transaction routing and acceptance rates across payment infrastructure: design and document routing rules, analyse decline patterns, model routing changes, monitor outcomes, present evidence-based recommendations to leadership, and coordinate remediation with analytics and technical teams.
Summary Generated by Built In
Payments Optimisation Manager
Payments & Banking Infrastructure
LocationUK or EU (Remote)Reports ToHead of Payments & Banking InfrastructureDepartmentPayments & Banking InfrastructureContractFull-timeThe RoleYou will own transaction routing logic and acceptance rate performance across ACE's payment infrastructure. This means designing and maintaining routing rules, analysing decline patterns, and driving continuous improvement — working alongside analytics to identify opportunities and coordinating with technical teams to implement changes. The impact of this work is direct and measurable.What You Will OwnRouting Logic
ACE Money Transfer: https://acemoneytransfer.com/company-profile
Payments & Banking Infrastructure
LocationUK or EU (Remote)Reports ToHead of Payments & Banking InfrastructureDepartmentPayments & Banking InfrastructureContractFull-timeThe RoleYou will own transaction routing logic and acceptance rate performance across ACE's payment infrastructure. This means designing and maintaining routing rules, analysing decline patterns, and driving continuous improvement — working alongside analytics to identify opportunities and coordinating with technical teams to implement changes. The impact of this work is direct and measurable.What You Will OwnRouting Logic
- Design, maintain, and continuously improve transaction routing logic across ACE's payment infrastructure
- Translate performance data into routing decisions, accounting for acquirer behaviour, corridor characteristics, and cost
- Model the impact of proposed routing changes before implementation and monitor outcomes post-deployment
- Maintain clear documentation of all active routing rules, rationale, and measured performance
- Own AR metrics across all active send markets and payment methods, with accountability for performance against targets
- Analyse decline patterns and identify root causes across acquirer behaviour, issuer rules, scheme mandates, and technical factors
- Produce evidence-based recommendations and present findings to senior leadership
- Flag AR deterioration quickly and drive remediation through the relevant internal teams
- Work with the analytics function to ensure performance data supports routing decisions — not to run operations
- Serve as the internal subject matter expert on routing and AR, providing input to commercial negotiations and partner reviews
- Feed performance insights back to the Head of PBI for leadership reporting and strategic decisions
- 4 to 7 years in payments with direct exposure to transaction routing, acceptance rate management, or payment orchestration
- Strong understanding of what drives and inhibits card acceptance — acquirer behaviour, issuer rules, scheme mandates, 3DS, technical configuration
- Hands-on experience with a payment orchestration or routing platform
- Able to translate performance data into clear, defensible business recommendations
- Confident presenting routing logic and AR analysis to senior non-technical stakeholders
- Cross-border payments or multi-corridor environment experience
- Familiarity with scheme rules and interchange structures as they relate to routing
- Exposure to decline recovery strategies
- Background working across multiple acquirers simultaneously
- Competitive salary and package aligned to experience
- High-ownership role with direct commercial impact in a growing international payments business
- Executive visibility and genuine scope to shape how performance optimisation is done at ACE
ACE Money Transfer: https://acemoneytransfer.com/company-profile
Skills Required
- 4 to 7 years in payments with direct exposure to transaction routing, acceptance rate management, or payment orchestration
- Strong understanding of card acceptance drivers including acquirer behaviour, issuer rules, scheme mandates, 3DS, and technical configuration
- Hands-on experience with a payment orchestration or routing platform
- Ability to translate performance data into clear, defensible business recommendations
- Confident presenting routing logic and acceptance rate analysis to senior non-technical stakeholders
- Cross-border payments or multi-corridor environment experience
- Familiarity with scheme rules and interchange structures as they relate to routing
- Exposure to decline recovery strategies
- Background working across multiple acquirers simultaneously
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The Company
What We Do
ACE Money Transfer is a global leader in providing seamless, secure, and efficient international remittance services. Established with a mission to connect families and empower individuals, we specialize in enabling people to send money to their loved ones across the globe, quickly and reliably.
Why Work With Us
At ACE Money Transfer, we don’t just offer jobs; we provide a platform for growth, purpose, and impact. Our company stands out because of its innovative approach, global reach, and commitment to both our customers and employees.
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