236 Payments jobs in the United Kingdom

Job Description:

• We are seeking a Payments Architect with strong expertise in payment system architecture, clearing mechanisms, and business analysis. The ideal candidate should have experience in SEPA (SCT & Instant), RTGS, ACH, ISO 20022 migration, SWIFT messaging (MT/MX), and cross-border payments.
li>This role requires both technical leadership and business analysis proficiency, ensuring seamless design and implementation of payment solutions while engaging with regulators, payment schemes, and internal stakeholders.

Key Responsibilities:

• Architect and design payment solutions aligned with global standards, including SEPA SCT/Instant, RTGS, ACH, & TARGET2.
• Lead ISO 20022 migration projects, ensuring alignment with SWIFT MX and GPI standards.
• Collaborate with regulators and payment schemes to facilitate direct or indirect participation in payment networks.
• Conduct gap analysis and requirement validation to ensure completeness and accuracy in payment system implementations.
• Drive payment system modernization initiatives, including real-time payment processing, accelerated settlements, and API-based payment integrations.
• Lead business analysis activities, including functional requirement gathering, solution documentation, and process reengineering.

Required Skills & Experience:

• 10+ years of experience in Payment Architecture, Solution Design, and Business Analysis within the banking or fintech sector.
• Expertise in SEPA SCT & Instant, RTGS, ACH, SWIFT (MT/MX), ISO 20022, and real-time payments.
• Strong knowledge of payment settlement mechanisms and FX integration.
• Experience working with payment system regulators and payment scheme participation (direct/indirect).
• Proficiency in requirement gathering, process mapping, and gap analysis to identify and mitigate missed requirements.
• Hands-on experience with payment orchestration, billing integration, and high-value/low-value payment processing.
• Experience in Agile methodologies, working with cross-functional teams in a financial institution or fintech environment.
• Ability to engage with stakeholders across business, operations, IT, and regulatory bodies to ensure smooth implementation of payment solutions.

About Us:

• Ascendion is a global, leading provider of AI-first software engineering services, delivering transformative solutions across North America, APAC, and Europe. We are headquartered in New Jersey. We combine technology and talent to deliver tech debt relief, improve engineering productivity solutions, and accelerate time to value, driving our clients’ digital journeys with efficiency and velocity. Guided by our “Engineering to the power of AI” (EngineeringAI) methodology, we integrate AI into software engineering, enterprise operations, and talent orchestration, to address critical challenges of trust, speed, and capital.

Job Description:

• We are seeking a Payments Architect with strong expertise in payment system architecture, clearing mechanisms, and business analysis. The ideal candidate should have experience in SEPA (SCT & Instant), RTGS, ACH, ISO 20022 migration, SWIFT messaging (MT/MX), and cross-border payments.
li>This role requires both technical leadership and business analysis proficiency, ensuring seamless design and implementation of payment solutions while engaging with regulators, payment schemes, and internal stakeholders.

Key Responsibilities:

• Architect and design payment solutions aligned with global standards, including SEPA SCT/Instant, RTGS, ACH, & TARGET2.
• Lead ISO 20022 migration projects, ensuring alignment with SWIFT MX and GPI standards.
• Collaborate with regulators and payment schemes to facilitate direct or indirect participation in payment networks.
• Conduct gap analysis and requirement validation to ensure completeness and accuracy in payment system implementations.
• Drive payment system modernization initiatives, including real-time payment processing, accelerated settlements, and API-based payment integrations.
• Lead business analysis activities, including functional requirement gathering, solution documentation, and process reengineering.

Required Skills & Experience:

• 10+ years of experience in Payment Architecture, Solution Design, and Business Analysis within the banking or fintech sector.
• Expertise in SEPA SCT & Instant, RTGS, ACH, SWIFT (MT/MX), ISO 20022, and real-time payments.
• Strong knowledge of payment settlement mechanisms and FX integration.
• Experience working with payment system regulators and payment scheme participation (direct/indirect).
• Proficiency in requirement gathering, process mapping, and gap analysis to identify and mitigate missed requirements.
• Hands-on experience with payment orchestration, billing integration, and high-value/low-value payment processing.
• Experience in Agile methodologies, working with cross-functional teams in a financial institution or fintech environment.
• Ability to engage with stakeholders across business, operations, IT, and regulatory bodies to ensure smooth implementation of payment solutions.

About Us:

• Ascendion is a global, leading provider of AI-first software engineering services, delivering transformative solutions across North America, APAC, and Europe. We are headquartered in New Jersey. We combine technology and talent to deliver tech debt relief, improve engineering productivity solutions, and accelerate time to value, driving our clients’ digital journeys with efficiency and velocity. Guided by our “Engineering to the power of AI” (EngineeringAI) methodology, we integrate AI into software engineering, enterprise operations, and talent orchestration, to address critical challenges of trust, speed, and capital.

Job Description:
BA responsibilities:
•   With some guidance, create the vision and roadmap for the product to align with strategic direction for the business or technology domain.
•   Communicate the product vision and roadmap to stakeholders and technology teams.
•   Collaborate with stakeholders to understand and articulate their needs and problem statements.
•   Assess the scope of change and impact to technology and stakeholders
•   Liaise between the business units, technology teams, delivery and support teams to arrive at optimal solutions. 
•   Facilitate walkthroughs for requirement and solution assessments.
•   Collaborate with solution designers, developers and subject matter experts to establish the technical vision and analyse trade-offs between usability and performance needs.
•   Create and prioritize work for teams and collaborate with cross-functional teams.
•   Create and prioritize epics in the product backlog.
•   Support refinement of scrum team stories to ensure there are enough “ready” stories in the backlog.
•   Review and accept epics/stories and make on-the-spot decisions regarding scope and requirements.
•   Work in partnership with technology teams to ensure that optimum value is obtained through technology and through an advanced understanding of the business.

BA Skills and Experience:
•   A strong Business Analyst track record is required, preferably with formal BA training.  Candidates should be able to demonstrate:
•   Ability to elicit requirements using interviews, document analysis, requirements workshops, surveys, business process flows, use cases, scenarios, business analysis, task and workflow analysis. 
•   Experienced in analysing and documenting requirements using a scaled agile methodology (Deliverables, Epics and Stories).
•   Proactively communicate and collaborate with customers and the scrum team to analyse information needs and functional requirements and facilitate the prioritising of requirements. 
•   Strong analytical and creative thinking skills. 
•   Excellent verbal and written communication skills and the ability to manage various stakeholders. 
•   Good technical and architecture knowledge.
•   Experienced in critically evaluating information gathered from multiple sources, reconcile conflicts, decompose high-level information into detailed requirements. 
•   Experienced in working on multiple initiatives simultaneously.

Strong Knowledge:
•   Experience in Banking with the following products would be ideal:
•   Payments, including SWIFT, ACH, CHAPS, Faster Payments, SEPA, TARGET2, ISO, Real Time Payments
•   Demand Deposit Accounting
•   Treasury and Cash Management Systems

Our accounts team has an opportunity for a Payment Clerk to join the team on a initial full time 3 month contract, this role will see you reporting into the Payment Manager.

Responsibilities

• Processing of supplier and Sub-contractor payments in multicurrency
• Select/deselect purchase invoices and sub-contractors due for payment. Checking that all payments are made within credit terms.
• Reconciliation of.

We are seeking a proactive and detail-oriented Payments Administrator to join a busy Payments team, providing ongoing assistance and support in the efficient administration of a portfolio of corporate clients. This role will focus heavily on cash management services, ensuring the delivery of excellent client service at all times.

Key Responsibilities:

• Support Client Services teams with cash manageme.

Job Description:

• We are seeking a highly motivated and experienced Payment Product Owner  to join our dynamic team. The Payment Product Owner will be responsible for defining and executing the product vision and strategy for our payment solutions. This role involves working closely with cross-functional teams, including engineering, sales, marketing, and operations, to ensure the successful delivery and continuous improvement of payment products that meet customer needs and business objectives.

Key Responsibilities:

li>Product Strategy & Roadmap : Develop and maintain the product vision and strategy for payment solutions. Create and manage the product roadmap to align with company goals and market demands.
• Stakeholder Collaboration : Work closely with stakeholders to gather requirements, define features, and prioritize the product backlog. Ensure clear communication of the product vision and goals.
• Product Development : Collaborate with engineering teams to define product requirements, create user stories, and ensure the successful delivery of features. Participate in agile development processes, including sprint planning and review sessions.
• Performance Monitoring : Monitor product performance and usage metrics. Analyze data to identify opportunities for improvement and drive product enhancements.
• Compliance & Security : Ensure payment products comply with industry regulations, security standards, and best practices. Stay up-to-date with changes in payment industry regulations and standards.
• Go-to-Market & Support : Work with marketing and sales teams to develop go-to-market strategies, product positioning, and messaging. Provide product expertise and support to sales, customer service, and other teams as needed.

Requirements:

• Experience in product management, with a focus on payment solutions or financial services.
• Proven track record of delivering successful payment products.
• Strong understanding of payment systems, including SWIFT, SEPA, BACS, CHAPS, and other relevant payment networks.
• Familiarity with APIs, payment gateways, and financial technologies.
• Experience with ISO20022, ISO8583, and other payment standards is a plus.

Nice to have:

• Certifications:  Product management certifications, such as Certified Scrum Product Owner (CSPO), are advantageous.

Cash & Payments Associate / Finance / Accounts / Cashflow / Loan / Birmingham / Hybrid / Permanent

Vivo Talent is working with a growing Bank based in Birmingham to recruit a Cash & Payments associate into their team.

You'll play a critical role in managing incoming and outgoing payments related to the Bank's transactions - ensuring accuracy, compliance and efficiency across operations.

This is a fantastic opportunity for someone to join a growing organisation and to take the next step in their career.

Key Responsibilities:

• Process and manage customer-related payments including loan completions and drawdowns
• Perform timely reconciliations and resolve suspense items
• Produce accurate transaction reports, including bank reconciliations for lending and deposit accounts
• Analyse account balances and maturing deposits (direct and via deposit aggregators)
• Assist with the maintenance of payment mandates and signatories in coordination with banking partners
• Support internal teams with payment-related queries and investigations

Experience Required:

• Previous experience in a payments or finance role, ideally within the financial services sector
• Proficiency in Microsoft Office

This is an exciting opportunity to join a supportive, fast-growing financial institution and make a valuable impact. If you're looking to grow your career, we'd love to hear from you.

Cash & Payments Associate / Finance / Accounts / Cashflow / Loan / Birmingham / Hybrid / Permanent

Cash & Payments Associate / Finance / Accounts / Cashflow / Loan / Birmingham / Hybrid / Permanent

Cash & Payments Associate / Finance / Accounts / Cashflow / Loan / Birmingham / Hybrid / Permanent

This is an exciting opportunity for an aspiring finance professional to join the Accounting & Finance department as a Payments & Reconciliation Assistant in Brighton. The role involves managing financial transactions and ensuring accurate reporting within a fast-paced environment.

Client Details

The employer is a well-established organisation within their industry, known for its robust operations and focus on excellence. Operating as a medium-sized company, they offer a stable and challenging work environment.

Description

• Manage client accounts, including reconciliations and payment allocations.
• Ensure the accuracy and timeliness of financial transactions.
• Prepare and maintain financial reports for internal and external stakeholders.
• Communicate effectively with clients and internal teams regarding account queries.
• Monitor compliance with relevant accounting standards and regulations.
• Identify process improvements to enhance operational efficiency.
• Assist in the preparation of audit documentation as required.
• Support the Accounting & Finance team with ad-hoc tasks and projects.

Profile

A successful Payments & Reconciliation Assistant should have:

• Experience or educational background in accounting, finance, or a related field.
• Knowledge of basic accounting principles and financial reporting.
• Strong attention to detail and problem-solving skills.
• Proficiency in financial software and Microsoft Excel.
• Excellent communication and organisational abilities.
• A proactive attitude and willingness to learn new processes.

Job Offer

• Competitive salary ranging from 28000 to 33000 per annum.
• Permanent position within a reputable organisation in Brighton.
• Opportunities for professional development and growth.
• Supportive work environment with a focus on employee well-being.
• Comprehensive benefits package (details available upon request).