Head of Payments and Treasury Operations Europe

• Role based in Europe
• 4+ years' experience in payments operations or treasury management required
• Flexible working arrangements

We are seeking a strategic and hands-on Head of Payments and Treasury Operations to lead and scale payments processing and support treasury management activities.

This senior role is responsible for overseeing payment execution, optimisation, and risk mitigation, while also managing liquidity, banking relationships, and treasury risk across the group and its clients.

The successful candidate will bring deep expertise in the payments ecosystem combined with strong treasury and liquidity management skills, ensuring operational excellence, regulatory compliance, and financial integrity across the organisation.

Key Responsibilities:

Payments Operations Leadership:

• Lead, mentor, and develop a high-performing team of payments operations specialists
• Create, document, and maintain all payments-related procedures and controls
• Ensure reliable 24/5 payment processing by effectively leveraging resources across multiple time zones
• Own the end-to-end payment product lifecycle, from research and development through to operational delivery and profitability
• Oversee daily payment operations, including transaction monitoring, reconciliation, exception handling, disputes, and chargebacks
• Design and implement strategies to optimise payment workflows, improve success rates, and reduce operational costs
• Manage key external relationships with payment gateways, acquirers, processors, networks, and technology providers
• Support and drive the onboarding of new payment counterparties
• Ensure compliance with relevant payment industry regulations and standards, while proactively mitigating operational and compliance risks
• Collaborate closely with finance, technology, operations, client experience, digital banking, and compliance teams to deliver secure and seamless payment experiences
• Define and track KPIs and dashboards to measure performance, efficiency, and service levels, driving continuous improvement initiatives
• Establish robust controls and checks to ensure all service level agreements are consistently met
• Design and document payment rails based on risk profiles and available counterparties
• Translate business requirements into clear development requests and support testing and rollout of new payment-related technology features

Liquidity Operations:

• Support liquidity management activities, including cash investments, settlements, banking relationships, and intragroup cash movements
• Monitor cash positions across financial institutions and identify potential liquidity shortfalls or surpluses
• Process intragroup cash transfers to support liquidity needs
• Work with finance, operations, technology teams, and external vendors to implement automation and fintech solutions
• Develop liquidity operations policies, monitor limits, and ensure sufficient cash balances across accounts held with banks and custodians
• Act as a trusted internal and external partner, providing leadership and insight on payments and liquidity operations

Qualifications and Experience:

• Bachelor’s degree in Business, Finance, Economics, Management, Engineering, or a related field
• 4+ years’ experience in payments operations or treasury management, including at least 2–3 years in a leadership role
• Strong understanding of the end-to-end payments ecosystem, including card schemes, bank transfers, wallets, gateways, and acquiring models
• Solid knowledge of payment rules, network regulations, AML, and compliance frameworks
• Proven experience scaling payment operations, implementing KPIs, and improving processes and cost efficiency
• Demonstrated expertise in liquidity management, treasury risk, financial exposure assessment, and banking relationships
• Excellent leadership, analytical, negotiation, and communication skills
• Client-focused mindset with a strong commitment to accuracy, control, and safeguarding client assets

What’s on Offer?

• A senior role within a fast-growing and innovative financial services environment
• The opportunity to lead and shape global payments and treasury operations
• A collaborative, high-calibre, cross-functional working culture
• Competitive compensation, performance-based incentives, and flexible working arrangements