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About the Role

The Banking & Compliance team at Shine is building a best-in-class banking operations unit from the ground up. This role is a rare opportunity to shape not just a function, but a high-performing team culture, where we consistently deliver and exceed top-line targets. The Payments & Card Operations Specialist is responsible for the end-to-end operational integrity of the card program and general payment flows, ensuring daily synchronisation between our Banking System, Card technical Provider, and the CARD network. Beyond routine processing, you will serve as the technical guardian of the system, managing incidents, resolving settlement discrepancies, and acting as a versatile back-up for the broader Payments Operations Department.

Responsibilities

Execute the "Triple-Match" reconciliation between CARD Network EOD files, internal banking system records, and Nostro accounts.
Ensure the Card Network Settlement account is reconciled.
Monitor liquidity to meet Card’s Network’s cut-off.
Alert your manager of potential cash shortfalls based on transaction volume trends.
Perform weekly reviews of Card Network Billing.
Identify tiered pricing errors, contest incorrect late-settlement penalties, and claim reimbursements for negotiated fees.
Act as the primary point of contact for operational incidents (e.g., clearing file rejection, mapping errors, or connectivity issues between our technical card provider and our banking system).
Manage the relationship with our technical card provider and the Card network, ensuring that all "MIM" (Member Information Management) contacts and NSIF forms are accurate and updated within 24 hours of any change.
Review and update stand-in parameters regularly to mitigate BIN attacks and monitor authorised volumes via backup systems.
Manage cardholder claims from identification to final resolution, including immediate reimbursements for confirmed fraud and managing chargeback rights (First/Second Presentments and Arbitrage).
Produce daily performance analysis on fraud levels, authorisation decline rates, and chargeback volumes to ensure the bank remains within the card’s Network quarterly thresholds.
Lead the preparation and submission of the VISA QMR (Quarterly Management Report), ensuring all data regarding transaction volumes, fraud, and interchange is validated against internal records.
Oversee the accuracy of Xpay reporting and other central bank or regulatory filings related to payment card activities.
Design and maintain internal reporting on authorization success rates, cross-border volumes, and merchant category (MCC) trends for Management Information.
Act as a designated back-up for other Payment Operations roles, including assisting on SEPA/Swift or other payments operations, treasury management, and general G/L maintenance when primary operators are absent.
Maintain and update Standard Operating Procedures (SOPs) for both Card and general Payment flows to ensure seamless knowledge transfer.

Requirements

3-5 years in banking operations, specifically focused on card issuing (principal member level).
Deep understanding of CARD Network Clearing & Settlement rules, billing system, and the Target2 holiday calendar.
Knowledge of Nostro/Vostro reconciliation management.
Proficiency in Banking Systems, Card Network online system, and automated reconciliation software.
Full professional fluency in English is essential.
French is a plus for this role.
Ability to stay calm and structured during technical outages or settlement failures.
High attention to detail to catch human errors.
A "team-first" mindset, willing to jump into other payment areas to ensure business continuity.

Skills

Card Issuing
Banking Operations
CARD Network Clearing & Settlement
Billing System
Target2 Holiday Calendar
Nostro/Vostro Reconciliation
Banking Systems
Card Network Online System
Automated Reconciliation Software
Incident Management
Vendor Liaison
Claims Management
Fraud Management
Dispute Management
Risk Reporting
Regulatory Reporting
Performance Dashboards
Process Documentation

Location

Paris, France
Denmark
Netherlands
Germany

Work Type

Hybrid
Remote

Experience Level

3-5 years

About the Company

Shine is the financial copilot for entrepreneurs and small business owners.
Founded by serial entrepreneurs Rico Andersen and Martin Hegelund, Shine is a leading European fintech unicorn on a mission to restore the joy of running a business, by ending wasted time on financial admin.
Shine offers a connected solution for invoicing, accounting, payroll, business accounts, payments, and financing, meaning business owners can focus their energy on growing a healthy business, not held back by manual admin.
Today we're part of Cegid, a European leader in cloud software for finance and accounting. Together we're building Europe's leading financial copilot for small businesses and their accountants.
Shine already supports more than 400,000 small businesses. As part of Cegid, we now reach over one million small businesses and 15,000 accountants across Europe.
We're a multicultural team working from France, Germany, Denmark and the Netherlands, contributing to a wider European network that spans Spain, Portugal and Belgium.

Equal Opportunity

We follow the principle of equal treatment to consider all job applicants and do not discriminate based on their gender, sexual orientation, color, racial or ethnic origin, religion, disability, etc. as per applicable law.