FULL TIME
IS-SWIEQI, MALTA
FULL DAY
28 October 2026
Ref: 456530

We are seeking to recruit a Junior Operations Officer.

The Junior/Mid Operations Officer supports the daily operational processes of the payment institution, ensuring that all financial transactions, settlements, and reconciliations across banks, payment schemes, and internal systems are executed accurately and efficiently. The role involves monitoring payment flows, maintaining operational records, and assisting in resolving discrepancies in a regulated financial services environment under the MFSA framework. Key Responsibilities: 1. Core Operations Support Process and monitor incoming and outgoing payments (SEPA, SWIFT, card transactions, instant payments, etc.). Assist in daily transaction processing across multiple payment channels and currencies. Maintain and update internal records of payment activities and system logs. Support the management of client accounts, balances, and fund movements in the institution’s core banking or payment platform. 2. Reconciliations and Reporting Perform daily, weekly, and monthly reconciliations between: o Core system and bank accounts. o Core system and payment scheme ledgers (e.g., SEPA, VISA/Mastercard, SWIFT). o Client accounts and internal ledgers. Investigate and resolve reconciliation breaks or discrepancies promptly. Prepare and submit operational reports to internal management and regulators as required. 3. Payment Schemes and Bank Relationships Coordinate with partner banks and payment scheme operators to ensure smooth settlement operations. Monitor settlement files, payment cut-off times, and scheme returns or rejects. Escalate issues relating to delayed settlements or system anomalies to senior staff. Maintain a clear understanding of scheme rules (SEPA Instant, SEPA Credit Transfer, etc.) and regulatory obligations. 4. System Monitoring and Continuous Improvement Support daily health checks of the core payment systems, ensuring uptime and data integrity. Collaborate with IT on system testing, upgrades, and incident management. Suggest process improvements and automation opportunities within operational workflows. Maintain standard operating procedures (SOPs) for all key tasks. Requirements: Experience: 1–2 years in an operational, back-office, or payments-related role in a financial institution. Experience with reconciliations or payment platforms is an asset. Exposure to SEPA, SWIFT, or card settlement operations is advantageous. Familiarity with payment and banking systems. Basic understanding of APIs and data file formats (CSV, XML, ISO20022) is a plus. High attention to detail and accuracy. Analytical and problem-solving mindset.

Profiles

If multiple Education and Language Profiles are defined, please note that you must fit at least one of them, but not necessarily all.

PROFILE 1

Language

Reading

Speaking

Understanding

Writing

ENGLISH

ISCED Level: Upper secondary education - Level (3)

Subjects:

Subject Level Grade

Competencies

Collect information about activities of the organisation or department. Forward or archive documentation
Enter and lay out documents. Forward and file documents
Monitor organization's budget through bank reconciliations, auditing overheads and invoices...)
Create administrative dossiers. Check data, updates, returns to sender or reminders
Prepare and follow-up (update, close...) professional files (customer files, accounts receivable...)

Past Experience

Occupation

Experience(months)

ADMINISTRATIVE OFFICER (AO)

CLERK, ACCOUNTING AND BOOKKEEPING

Driving Licences

No Driving Licenses required for this vacancy

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Salary: €22,000-24,000 per year

Junior Operations Officer

Job Description