{"id":3361286,"url":"https://alion.io/job/teya-payments-operations-lead","title":"Payments Operations Lead","company":{"id":684703,"name":"Teya","domain":"teya.com","url":"https://alion.io/company/teya","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":{"grade":"B","score":78,"open_postings":27,"ghost_share":0,"stale_share":0.889,"repost_share":0,"time_to_fill_p50_days":43,"computed_at":"2026-11-02T06:13:15Z"}},"role":"Operations","role_family":"Operations","seniority":"lead","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":93000,"max_usd":184000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":71},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-27T17:02:41Z","employer_posted_date":"2026-10-27","last_verified_at":"2026-11-02T05:10:52Z","board_verified":true,"closed_at":null,"days_open":5,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":5},"description":"Hello. We’re Teya.\nTeya was founded on a simple belief: local businesses deserve better.\nThey are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business.\nTeya exists to change that.\nWe’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work.\nWe move fast. We care about quality. We stay close to the detail. And we believe great performance and genuine hospitality should go hand in hand.\nIf you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from you\nThe role\nThe Payments Operations Lead brings Teya’s payments and settlement operations together into one reliable, well-controlled capability.\nToday the operational work behind our outbound payments and merchant settlements is spread across many people and teams, and too much of it falls on our product teams, taking time away from building. This role changes that. You’ll own the day-to-day running of payments and settlements, standardise and document the core processes, put the right controls around them, and handle the steady stream of ad hoc issues that come with a fast-growing payments business.\nIt’s a hands-on, execution-focused role. You’ll be the first person in the capability, landing in a messy environment, bringing order to it and getting things done, with scope to add one or two people as it grows. You’ll work closely with Payments, Product, Finance, Compliance and Customer Operations, and with our banking and payment partners.\nWhat’s in scope\nOutbound payments across SEPA, Faster Payments and SWIFT.\n\nMerchant settlements and payouts, including rejected and returned settlements.\n\nReconciliation and the investigation and clearing of breaks.\n\nReturns, recalls and misdirected payments.\n\nReturning withheld and residual funds to merchants after they leave Teya.\n\nBanking and payment partner relationships, including the service levels we agree with them.\n\nFunding and liquidity across our operational accounts, working with Treasury.\n\nTesting and running our payment rails, working with our payment specialists.\n\nWhat you’ll do\nTake ownership of payments and settlement operations that currently sit across multiple teams, and centralise them into a single, clearly owned capability.\n\nMap how each process runs today, then standardise, document and operate it, with runbooks that do not rely on product team time.\n\nRun the day-to-day execution of payments and settlements, making sure money goes out accurately and on time.\n\nOwn the operational relationship with our banking and payment partners: agree service levels, track performance against them, and escalate and resolve issues when partners fall short.\n\nWork with Treasury to forecast and manage funding and liquidity across our accounts, so payments and settlements are never held up by an unfunded account.\n\nWork with our payment specialists to test and run our payment rails, including new rails, partner changes and scheme updates, before and after they go live.\n\nPut the right controls in place and keep them working: maker-checker and approval limits, reconciliation, safeguarding, sanctions screening and Confirmation of Payee on outbound payments, and handling of misdirected and fraudulent payments, working with Finance and Compliance.\n\nOwn incident handling for payment and settlement failures, and work with Operational Resilience on continuity plans, since payments are among our most important services.\n\nBe the go-to person for ad hoc and unexpected payment issues: investigate, resolve, and turn recurring problems into repeatable processes.\n\nUse AI and automation by default, and build agents for repeatable work such as reconciliation and exception triage, partnering with Product and Engineering where you need them.\n\nCut the number of merchants who need to contact Customer Relations about a payment, by fixing root causes and telling merchants what is happening through the Teya app and portal before they ask.\n\nTrack and report operational performance weekly, so issues are caught early and fixed at the root.\n\nShape how the capability grows as Teya scales.\n\nWhat success looks like\nIn your first six months\nEvery payment and settlement process has one owner and a documented runbook.\n\nWeekly reporting in place on on-time payments, open breaks and how long they have been open.\n\nProduct teams no longer carry day-to-day payment operations.\n\nControl gaps identified, with an agreed plan to close them.\n\nService levels agreed and tracked with each key banking and payment partner, and a funding and liquidity routine running with Treasury.\n\nBy the end of your first year\nKey controls tested and evidenced, and open breaks within agreed ageing limits.\n\nA measurable cut in product team hours spent on payment operations.\n\nFewer Customer Relations contacts about payments and settlements.\n\nThe first automated or agent-led processes live.\n\nNo payments or settlements delayed by an unfunded account, and partner performance reviewed against service levels every month.\n\nWhat you’ll bring\nHands-on payments operations experience, including payment schemes such as SEPA, Faster Payments and SWIFT, managing bank and payment partners against service levels, and reconciliation.\n\nExperience working with Treasury or Finance on funding and liquidity for operational accounts.\n\nExperience as the person getting things done in an operations role: owning processes, fixing problems and delivering outcomes.\n\nExperience in a fast-moving or messy operational environment, such as a start-up or scale-up, where you were thrown in at the deep end and brought structure to it.\n\nA track record of standardising processes while still handling a high volume of ad hoc work.\n\nA controls mindset: you understand why payment controls, safeguarding and sanctions screening matter, and how to run them without slowing everything down.\n\nComfortable with data and spreadsheets, and someone who reaches for automation and AI tools to remove manual effort.\n\nComfortable with ambiguity: you don’t need everything defined to make progress.\n\nHighly organised, with strong attention to detail and a sense of ownership.\n\nStrong stakeholder management across product, finance, compliance and operations teams.\n\nA clear, confident communicator, highly motivated and able to work independently.\nNice to have\n\nExperience at an e-money institution, payment institution or bank.\n\nMerchant settlement operations in card acquiring.\n\nExperience with reconciliation tools or building payment automation.\n\nExperience testing or launching a new payment rail or banking partner.\n\nThe Perks\nPhysical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness, and nutrition apps\n\nOur company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support\n\nCycle-to-Work Scheme\n\nHealth and Life Insurance\n\nPension Scheme\n\n25 days of Annual Leave (+ Bank Holidays)\n\nOffice snacks every day\n\nFriendly, comfortable, and informal office environment in Central London\n\nTeya is proud to be an equal opportunity employer.\nWe are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all.\nIf you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application-we encourage you to let us know. 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