We are looking for a hands-on, self-driven Cards & Payments expert to take ownership of our end-to-end card scheme management, transaction lifecycle and reconciliation processes. This is a high-impact role where you will drive operational excellence, financial control, and continuous improvement across our card payment ecosystem.
If you thrive in a fast-moving environment and enjoy working at the intersection of finance, operations, and technology, this role is for you.
Own the full card transaction lifecycle (authorization, clearing, settlement, posting), govern Visa/Mastercard scheme changes, and continuously improve process frameworks and operating procedures
Oversee all reconciliation activities (scheme/network, settlement, GL), drive timely resolution of breaks and discrepancies, and set tolerance thresholds, controls, and escalation frameworks
Act as the central point of contact for Finance & Accounting, Operations, Technology, and external partners (schemes, processors, vendors), enabling cross-functional collaboration to drive issue resolution
Define and track KPIs (reconciliation timeliness, processing accuracy), build reporting dashboards for leadership, and conduct root cause analysis to eliminate recurring issues
Identify and implement automation, digitization, and standardization opportunities, including platform migrations, reconciliation tool implementations, and best practices like auto-matching and exception-based processing
Ensure adherence to card scheme rules (Visa, Mastercard), regulatory requirements (PSD2, AML), and internal governance policies, while managing the impact of regulatory changes and maintaining incident tracking for governance forums
5+ years of experience in leading card scheme management, payments, or financial operations
Strong understanding of:
Card transaction lifecycle
Reconciliation processes
Payment schemes (Visa/Mastercard)
Experience working across finance, operations, and technology teams
Fluent in English
A self-driven, proactive mindset with ability to thrive in a fast-paced environment
Work on high-impact payments infrastructure across multiple markets
Be part of a dynamic, fast-growing environment
Drive real transformation and automation initiatives
Collaborate with cross-functional and international teams
Take ownership and shape processes end-to-end
Skills Required
- 5+ years experience in card scheme management, payments, or financial operations
- Strong understanding of card transaction lifecycle (authorization, clearing, settlement, posting)
- Experience with reconciliation processes (scheme/network, settlement, GL) and break resolution
- Knowledge of payment schemes (Visa, Mastercard) and scheme rules
- Experience working across finance, operations, and technology teams
- Fluent in English
- Self-driven, proactive mindset and ability to work in a fast-paced environment
What We Do
TF Bank is a digital bank offering consumer banking services and e-commerce solutions through a proprietary IT platform. It provides deposit products, unsecured consumer loans, digital payment solutions, and credit cards across multiple European countries.
