The Pepperstone story started in 2010. We know what it’s like to trade the world’s markets. Our team describes us as a place for the curious and the driven, and we like to do things a little differently; as a transformative global fintech we’re digital, nimble, connected, and united in our vision to create a better way to trade.
We thrive on progress – for our clients and for ourselves. Our organisational culture is ever-evolving, vibrant, diverse, global and results focused. You’ll find our 700+ team currently across 12 locations and 9 time zones.
The Role
The Junior Payment Operations Officer role is focused on achieving the key responsibilities listed below. This includes but is not limited to assisting in processing deposits and withdrawals as well as accurate and timely delivery response to internal staff and client email queries. The successful candidate is able to complete tasks within the specified time frame whilst maintaining a high level of accuracy. The successful candidate understands the importance of the Payment Operations function is relation to the client experience. They will also support the broader finance team as needed.
Key Responsibilities
Client Money:
Daily manual funding methods are allocated to clients’ accounts within a timely manner
Process all withdrawals within the day and ensure clients are informed once completed
Liaising with banks and third-party payment providers as required
Monitoring and responding to client enquiries ensuring clients are responded to in an accurate and timely manner via Salesforce to ensure deposits are applied and withdrawals processed promptly
Compliance Policy, Fraud & AML:
General transaction monitoring from an AML perspective
Perform checks on withdrawals prior to processing, including AML, fraud and license jurisdiction based on guidance from the Pepperstone Compliance Team
Monitor fraudulent transactions and take action on client’s accounts and transactions as per Pepperstone’s compliance policy
Escalate identified or suspected AML, TF and Fraud to the Team Leader and Compliance Team in line with different regulatory requirements
Submitting Unusual Activity Reports (UAR) to Compliance when necessary
Ensuring potential or confirmed Card Fraud is handled promptly in line with Compliance guidelines
Ensure Pepperstone’s Terms and Conditions are upheld via completing name matching for multiple payment providers to identify third-party transactions
Monitoring and responding to Chargeback disputes
Client and internal stakeholder communications:
Action items in the internal Pepperstone inbox from our banking ad PSPs partners ensuring it is cleared daily and all emails are actioned in an accurate manner
Action items in the Salesforce inbox; as this is the main method of communication with clients ensure the inbox is cleared daily in line with Pepperstone’s SLA
Action items in the internal Payment Operations Slack channel and ensure all posts are responded to in line with Pepperstone’s SLA
Action items in the Slack channel for requests from the Reconciliation and Finance team regarding reconciliation variances & other ad-hoc requests on a daily basis Assistance with Payment Provider Reconciliation Process
Download transaction statements from all of our banking portals and prepare them for daily reconciliation in our cash sheets
Download other transaction statements (withdrawals and cash adjustments) and prepare them for reconciliation
Check that all deposits have been applied correctly, complete any payments and deposits where there were errors
Process cash adjustments on a daily basis as required
Miscellaneous duties:
Maintain a working approach of continuous improvement and highlight ideas at the Payments Operations Team
Creating guides and updating our existing company Knowledge Base regarding internal Finance team processes as well as company wide information
Submitting tickets for IT issues
Investigating and resolving transactions issues with the PSPs
Providing information related to Accounts function to Compliance and or payment providers when requested
Bank statement verification
Ensuring allocated tasks are completed within the business day
The role reports to the Payment Operations Team Lead, based in Limassol, Cyprus
We support flexible working. This position can be performed from both a mix of at our office and from home. Your manager will share details and expectations of your team’s regular cadence of working locations.
About you
Fluency in English is a must. Any other language is advantageous.
Weekly/Monthly shift rotation may be applied according to department needs
Qualification in Accounting, Finance, Business, or related areas of study preferred but not essential
Excellent people and communication skills with the ability to communicate to staff, teams & customers well
Ability to maintain high level of attention to detail and accuracy
Strong problem-solving skills and dedicated to continuous process improvements
Excellent time management skills and the ability to remain calm under pressure
Intermediary skills in Microsoft Excel
Desire and commitment to ongoing learning and development
Enjoy working in a dynamic global team
Ability to live the Pepperstone values
Why you will enjoy working with us
Competitive salary structure including company bonus scheme
Flexible and hybrid working
Remote working option - work from anywhere for up to 4 weeks per year
10 days of Company paid sick leave annually
21 days of paid vacation within the first year of employment, increasing to 25 days after one year
3 paid volunteering days per year & Workplace Giving Program
Comprehensive medical insurance with coverage for your healthcare needs
Pension fund
Employee referral bonuses for referring top talent to the company
Ongoing personal development & learning opportunities
Periodic recognition and reward programs for outstanding performance and achievements
Frequent events and celebrations
Genuinely collaborative and friendly culture
Employee Assistance Program & Wellbeing Initiatives
Convenient and cozy office located near the Limassol Municipal Garden
