Payment Operation Expert
Full Time/Part Time Full Time
Who We Are
At Ikano Bank, we believe work should feel meaningful and inspiring. Together, we create a great place to work where people are inspired to be the best they can be while contributing to a better life for our customers and the long-term success of the Bank. Guided by our Swedish heritage and values: common sense and simplicity, working together and daring to be different, we keep things straightforward and down-to-earth. If you like the idea of being part of a team that works hard, enjoys solving challenges together and dares to do things a little differently, you will feel right at home here.
We’re not just about spreadsheets — we’re about strategy, storytelling and shaping the future. From challenging the status quo to collaborating across teams, we bring clarity to complexity and purpose to every decimal. With curiosity as our compass and data as our guide, we help drive smarter decisions and build a more sustainable tomorrow.
Purpose of the Job The Payment Operation Expert ensures the efficient and controlled daily operation of the bank’s payment infrastructure, with a strong focus on continuous monitoring, incident management, and rapid resolution of payment-related issues. The role monitors payment flows, identifies and investigates operational deviations, coordinates incident handling and root-cause analysis, and ensures timely escalation and resolution of critical issues. It supports Finance with complex payment issue resolution and drives improvements across systems, processes, monitoring, and controls. The role also leads and contributes to projects, represents Payments in key forums, and collaborates with stakeholders across countries to secure resilient, compliant, efficient, and well-controlled payment operations.
Responsibilities of the Job - Ensure the stable and efficient day-to-day operation of the payment infrastructure, including the timely and accurate execution of incoming and outgoing payments.
Continuously monitor payment flows, systems, and operational processes to identify disruptions, control weaknesses and potential incidents at an early stage. Own and coordinate payment-related incidents from initial identification through investigation, escalation, resolution, and closure, ensuring clear communication and appropriate stakeholder involvement. Support Finance and other relevant functions in analyzing, investigating, and resolving complex or unresolved payment issues, including root-cause analysis and follow-up actions. Coordinate with internal and external stakeholders across countries and functions—including Finance, Accounting, AML, Financial Crime, Customer Support, Collections, partners, and technology teams—to resolve incidents and prevent recurrence. Identify recurring issues and operational risks, and drive root-cause analysis, corrective actions, and continuous improvements to payment processes, systems, monitoring, and controls. Support Team Managers in validating the quality, accuracy, and effectiveness of daily operational activities, including adherence to established controls and procedures. Drive improvement initiatives and contribute to the testing, implementation, and optimization of new systems, tools, monitoring capabilities, and processes. Lead and participate in projects, including developing business cases, defining requirements, coordinating stakeholders, and presenting proposals to key decision-makers. Ensure successful project delivery by tracking progress, managing dependencies and risks, communicating status, and coordinating stakeholder activities. Represent Payments in relevant product meetings and cross-functional forums, providing operational insights and ensuring payment-related risks and requirements are addressed. Maintain and strengthen processes related to operational risk, incident management, anti-money laundering, financial crime, and regulatory compliance. Proactively identify opportunities to improve operational resilience, monitoring, controls, efficiency, digitalization, and customer outcomes, with a strong focus on risk awareness and compliance.
Education Level Bachelor's Degree
Experience/Demonstrated Competencies - 3+ years of working experience in managing payments within a banking environment.
Significant experience with payment processes and systems in banks. Experience participating in project management activities.
Language Competencies Fluency in English and Swedish.
Knowledge required - Working knowledge of banking payment systems, including end-to-end payment flows and file-based processing.
Knowledge of Microsoft Office applications for analysis, reporting, and stakeholder communication. Hands-on understanding of how incoming and outgoing payment systems operate within a financial institution. Awareness of local and international regulations affecting payments, including operational risk, AML, and financial crime requirements. Understanding of reconciliation principles and how transaction matching, validation, and error handling work. Working knowledge of incident-management processes, including system tickets, escalation paths, and status tracking. Understanding of internal controls and audit requirements relevant to payment operations. Knowledge of project and change management concepts, including system testing, documentation, and implementation steps.
Capabilities for this job - Capable of applying knowledge of payment processes and systems to ensure accurate daily operations and support improvements.
Demonstrates problem-solving skills and attention to detail when investigating payment issues or discrepancies. Able to engage and communicate effectively with stakeholders. Capable of analytical thinking and planning, supporting investigations, testing, and process optimization. Able to translate ideas and improvement opportunities into practical actions Ability to make sound operational decisions, considering compliance requirements, customer impact, and business needs. Ability to lead projects from initiation to completion, including coordinating tasks, timelines, and stakeholder input. Able to collaborate across functions, supporting Finance, IT, AML, and operational teams to resolve issues and deliver projects. Ability to facilitate knowledge sharing, helping colleagues understand processes, controls, and improvements within the payments area. Capable of translating business needs into clear payment-process requirements, ensuring new products and systems integrate smoothly into existing payment infrastructure.
What motivates you? - Driven by ensuring stability, accuracy, and compliance in operational processes.
Passionate about improving systems and processes to enhance operational efficiency and increase customer satisfaction. Enjoys collaborating with internal and external stakeholders to solve complex payment and system issues. Energized by leading and contributing to cross-functional projects. Dedicated to ensuring clear and structured communication with stakeholders.
Ready to apply?
If this sounds like your kind of workplace, we would love to hear from you. You do not have to tick every single box. What matters most is your drive, your ideas and your willingness to grow with us. Our application process is simple. Just click on the Apply Button and we will get in touch with you soon. Apply today and let us build something different together. You want to know more about Ikano Bank? Check out our videos about culture, social/corporate responsibility and everyday working at the bank. For any questions, feel free to contact us at recruitment@ikano.se.
Salary (per annum) According to the market
Ikano Bank Benefits Annual Social Day for all Employees
Favorable Conditions for Ikano Bank Products
Applications Close Date 04 Oct 2026