About the Company

A Fintech startup registered Money Services Business (MSB) in Canada. Regulated by FINTRAC and the Bank of Canada (RPAA), we provide a seamless bridge between traditional fiat banking and the digital asset economy. We are looking for an experienced Payment Operations Officer to manage our dual-track payment ecosystem and help scale our operations team.

Role Summary

The Payment Operations Officer will be responsible for the end-to-end execution and monitoring of all financial movements within the platform. You will handle a high volume of transactions across various rails (SEPA, SWIFT, Faster Payments etc) while simultaneously managing crypto-asset liquidity, wallet movements, and exchange operations. As a senior member of the team, you will have the opportunity to build and lead the Payment Ops department as the company expands.

Key Responsibilities

1. Fiat Payment Operations:

• Execute and monitor daily end-to-end operational processing of customer and internal payments across supported rails and channels, ensuring accuracy, timeliness, and adherence to cut-offs.
• Monitor operational liquidity across relevant accounts to support settlement readiness. Perform daily reconciliation of bank statements against internal ledgers to ensure 100% accuracy.
• Prepare FX operations as required, to support the payment execution and settlement, including quote coordination, execution support, and appropriate record-keeping.
• Liaise with banking partners and payment processors to resolve pending transactions, investigation cases, or rejected payments.

2. Crypto & Digital Asset Operations:

• Manage daily crypto-asset operations, including deposits, withdrawals, and internal wallet transfers (Hot/Cold wallet management).
• Oversee crypto-to-fiat and fiat-to-crypto exchange activities, ensuring optimal liquidity and execution rates.
• Act as a trusted keyholder in sensitive Key Generation Ceremonies, ensuring secrecy.
• Monitor blockchain explorers to verify transaction statuses, troubleshoot "on-chain" movements.
• Define how we integrate with custody technology providers to ensure zero-trust security and design the Policy Rules (TAP) that govern asset movements.
• Proactively identify potential threats to our wallet infrastructure and design robust mitigations to prevent breaches.
• Coordinate with liquidity providers and OTC desks for rebalancing and hedging.

3. Compliance & Regulatory (FINTRAC/RPAA):

• Ensure all payment activities comply with Canadian MSB regulations and RPAA standards.
• Conduct first-level transaction monitoring to identify and report suspicious patterns to the AML/Compliance team.
• Prepare payment release, cancellation, and amendment of payments as required, ensuring proper documentation and audit-ready traceability.
• Assist in the preparation of operational data for regulatory reports and audits.

4. Leadership & Growth:

• Design and document Standard Operating Procedures (SOPs) for the operations department.
• Identify bottlenecks in the payment flow and work with the Product/Engineering team to automate manual processes.
• Mentor junior staff and lead the recruitment of additional operations officers.

Requirements & Qualifications

• Fintech Core: Minimum of 3 years specifically within a Fintech/PSP environment, managing multi-currency accounts and digital payments.
• Experience: Minimum of 5 years of professional experience within High-Risk Industries (e.g., Gaming, High-Volume E-commerce, Crypto-Exchanges, or Foreign Exchange).
• Hybrid Expertise: Proven experience handling both fiat rails (SWIFT/SEPA/EFT) and crypto-asset operations (Wallets/Exchanges).
• Regulatory Knowledge: Solid understanding of financial and AML&TF regulations. Familiarity with the Canadian regulations (RPAA and FINTRAC) is a significant advantage.
• Technical Skills: Experience with Utila or Fireblocks. Advanced Excel skills; experience with Back-Office Management Systems, Blockchain Explorers, Compliance and CRM tools.
• Language: Fluent in English (both written and spoken). Additional languages are a strong plus.

Key Competencies

• Precision: An uncompromising eye for detail—errors in payment operations have high financial and regulatory stakes.
• Cryptography Knowledge: You understand the difference between MPC and Multi-Sig.
• Problem Solver: Ability to investigate complex "missing payment" cases across multiple intermediary banks or blockchain protocols.
• Resilience: Comfortable working in a fast-paced environment with strict cut-off times and high transaction volumes.
• Leadership Potential: The desire to move into a Management or Lead role within 6-12 months.

What We Offer

• Compensation: Competitive salary commensurate with experience.
• Growth: The opportunity to play a foundational role in a growing Fintech company.
• Benefits: Annual bonuses and constantly growing benefit package.
• Trainings: Professional development budget for crypto and compliance certifications.
• Annual leave: 20 (twenty) paid working days per calendar year.