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About the Role

The Payment Operations team is responsible for the accurate and timely processing, monitoring, and control of the Bank’s payment activity. This role supports day-to-day payment processing, exception management, reconciliations, and operational controls, applying technical knowledge of payments, SWIFT messaging, and operational risk to ensure high-quality delivery and effective issue resolution.

Responsibilities

• Process, monitor, and control payment activity across relevant channels, ensuring accuracy, timeliness, and adherence to cut-off times.
• Review and interpret SWIFT MT and ISO 20022 messages for payment processing, repairs, exception resolution, and escalation.
• Monitor payment queues, pending items, unmatched transactions, and exceptions for timely progression and effective issue resolution.
• Investigate payment failures and non-STP items, performing root cause analysis to identify trends, control gaps, and improvement opportunities.
• Perform payment-related control checks, reconciliations, and validation activities in line with internal procedures, regulatory expectations, and risk appetite.
• Liaise with correspondent banks, clients, internal operations teams, Front Office, Compliance, Technology, and Product to support payment execution and resolve issues.
• Provide structured feedback on recurring issues, non-STP drivers, client impacts, and enhancement opportunities to improve straight-through processing and operational efficiency.
• Support new payment products, system changes, controls, and process improvements, including testing, documentation, and operational readiness.
• Maintain accurate records, audit trails, procedures, and supporting evidence in line with governance and control standards.
• Support operational reporting and management information on payment volumes, exceptions, non-STP trends, controls, and service level performance.
• Share knowledge and guidance with colleagues, promoting consistent payment operations practice, risk awareness, and continuous improvement.

Requirements

• Educated to A level standard or equivalent demonstrable experience within banking, payments, or financial services operations.
• Minimum 3 years’ experience within Banking Operations, preferably within Payment Operations.
• Practical experience of processing, monitoring, and investigating payments across relevant payment channels, including exception management, payment repairs, and escalation handling.
• Working knowledge of SWIFT payment messages and investigations, including MT1XX / MT2XX messages and ISO 20022 pacs.008 / pacs.009 message types.
• Experience identifying non-STP drivers, performing root cause analysis, and supporting actions to reduce manual intervention and improve straight-through processing.
• Experience working with internal stakeholders to resolve payment issues and provide feedback on recurring trends or enhancement opportunities.
• Good understanding of operational controls, reconciliations, audit trails, and risk management standards within a regulated banking environment.

Skills

• SWIFT messaging
• ISO 20022
• Payment processing
• Exception management
• Reconciliations
• Root cause analysis
• Operational risk
• Financial services operations

Location

• UK

Work Type

• Hybrid working
• Full-time

Experience Level

• Mid-level

Education Level

• A level standard or equivalent experience

Salary/Compensations

• Competitive Annual Leave
• Discretionary Bonus

Benefits

• Contributory personal pension plan: Minimum: Employee 2% and Employer 7%. Employer matches contributions in 1% increments to a maximum of: Employee 5% and Employer 10%
• Life Assurance – 4 times annual salary
• Group Income Protection
• Private Medical Insurance – this may include cover for partner and or children at company cost. Cover includes Optical, Dental and Audiology
• 2 Volunteering Days
• Benefit Hub

About the Company

• Crown Agents Bank is a rapidly growing, regulated UK bank connecting emerging and frontier markets to the world through innovative FX and payments technology.
• Our mission is simple: reduce friction so more money reaches those who need it.
• For over 200 years we’ve built trusted networks across hard‑to‑reach markets.
• Today, we pair that heritage with digital innovation to support fintechs, corporates, governments, development organisations and banks with cross‑border payments and FX solutions.