Associate - Payment Ops

1 week ago

Bengaluru, Karnataka, India TerraPay Full time

About TerraPayGlobal money movement, simplifiedPowering global payments across 7.5 billion bank accounts, 6 billion cards, and 2.1 billion wallets121 banking partnerships, 210+ send countries, 140+ receive countries.

TerraPay is the pulse of global payments innovation.

We're the bridge that connects people and businesses worldwide, empowering them to effortlessly send, receive, and manage money across borders.

We have repositioned ourselves as a global money movement player that helps businesses manage their global payments for local payout needs through our extensive network.

Regulated across over 30 diverse markets, TerraPay stands out as the sole payment provider with such a broad reach. We harmonize the complexities of global money movement, orchestrating seamless transactions that transcend borders and cultures.

We are driven by a commitment to inclusion and fuelled by innovative technology, we're reshaping the financial landscape, ensuring that international transactions are secure, swift, and hassle-free.

Join us in simplifying global money movement with TerraPay.

Job missionPrimary responsibilities:

Manage card issuance and activation processes, including coordinating with card vendors, ensuring accurate card inventory management, and facilitating card delivery to customers.

Monitor and review card transactions for fraudulent activity or irregularities, promptly investigating and resolving any issues in compliance with company policies and regulatory requirements.

Collaborate with cross-functional teams, including customer service, fraud prevention, and IT, to enhance card program efficiency and effectiveness.

Maintain up-to-date knowledge of card industry trends, regulations, and best practices, implementing necessary changes to policies and procedures as needed.

Provide support to customers and internal stakeholders regarding card-related inquiries, issues, and escalations, delivering high-quality service and timely resolutions.

Generate reports and metrics related to card operations performance, analysing data to identify areas for improvement and implementing corrective actions.

Ensure adherence to compliance standards and regulations, such as PCI DSS and KYC/AML requirements, by implementing robust controls and conducting regular audits.

Develop and document card operations procedures and workflows, ensuring consistency and efficiency in processes across the organization.

Serve as a subject matter expert on card operations, providing training and guidance to team members and other departments as necessary.

Responsible to manage entire reconciliation for Card loading, Network settlements and Accounting Ledgers.
Proactively identify opportunities for process optimization, automation, and cost reduction within card operations, driving continuous improvement initiatives.

QualificationsEssential skills:

Bachelor's degree in business administration, finance, or a related field.2+ years of experience in card operations, card services, or a similar role within the financial services industry.

Proficiency in card processing systems and software, such as card management systems (CMS) and transaction processing platforms.
Excellent analytical, problem-solving, and decision-making skills.
Effective communication and interpersonal skills, with the ability to collaborate with cross-functional teams.
Detail-oriented with a focus on accuracy and quality.
Ability to manage team & multiple priorities in a fast-paced environment.

Certification in card operations or related fields and knowledge on network settlement (e.g., Certified Card Operations Professional) is a plus.


Preferred Skills:
Financial

Services Knowledge:
Understanding of the financial services industry, particularly card operations, including knowledge of card networks, regulations, compliance requirements, and industry best practices

Technical Proficiency:

Ability to use card processing systems, software, and tools effectively, including knowledge of transaction processing platforms, fraud detection systems, and reporting tools.

Addition to this, person should have well-versed in MS office (Excel, Power Point Presentations etc.)

Analytical Skills:
Strong analytical skills to analyse card transaction data, identify patterns, trends, and anomalies, and make data-driven decisions to mitigate risks and improve processes

Attention to Detail:
Meticulous attention to detail to ensure accuracy in processing card transactions, maintaining records, and resolving disputes effectively

Problem-Solving Skills:
Ability to quickly identify and resolve issues related to card operations, including fraud incidents, transaction errors, and customer inquiries, using critical thinking and problem-solving skills

Communication Skills:
Excellent written and verbal communication skills to interact professionally with internal teams, external partners, and customers, and effectively communicate complex information in a clear and concise manner

Customer Focus:
Strong customer service orientation with a focus on understanding and meeting the needs of cardholders, merchants, and other stakeholders, ensuring a positive customer experience

Teamwork and Collaboration:
Ability to work collaboratively with cross-functional teams, including customer support, risk management, compliance, and IT departments, to achieve common goals and objectives

Adaptability:
Flexibility and adaptability to work in a dynamic and fast-paced environment, quickly learn new processes and technologies, and adapt to changing business needs and priorities

Organizational Skills:
Effective organizational and time management skills to prioritize tasks, manage multiple responsibilities simultaneously, and meet deadlines consistently

Ethical Conduct:
Commitment to maintaining high ethical standards and integrity in handling sensitive cardholder information, complying with regulations, and adhering to company policies and procedures

Continuous Learning:
Willingness to stay updated on industry trends, regulatory changes, and emerging technologies related to card operations through self-study, training programs, and professional development opportunities

Project Management Skills:
Basic project management skills to assist in coordinating projects related to card operations, including planning, execution, and monitoring progress against established milestones

Why TerraPay?Joining TerraPay means becoming a part of a progressive team that's shaping the future of payments. We offer a collaborative environment that values diversity, fosters growth, and encourages innovation. As an Associate Business Operations Manager, you'll play a pivotal role in enabling seamless financial interactions worldwide.
Elevate your career and be a catalyst for global financial transformation with TerraPay.

We're looking forward to welcoming you aboardFollow us on social media:
LinkedIn | Twitter | Instagram

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