Payment Operations Analyst

Many software companies already serve small businesses incredibly well: helping them send invoices, run payroll, manage inventory, and more. They're on a mission to become the central hub for managing every aspect of business life.

But when it comes to financial workflows, there's still a gap. Too many critical tasks like managing cash flow, tracking payments, or reconciling accounts happen outside the software, across spreadsheets, email threads, banking portals.

It's a missed opportunity. Business software shouldn't just record financial activity - it should run it., The Payment group at Swan leverages industry knowledge, payments expertise, and general acumen to build and operate the banking products & platform that power money movements for all Swan financial products.

Ultimately, the group is working towards a future in which all of the complexity that comes with handling money (e.g. adopting new payment methods, booking and reconciling entries - technical vs. accounting vs. cash, integrating with banks and financial partners globally, addressing regulatory obligations, etc.) is hidden from Swan's partners and end-users.

The Payment Operations team is accountable for the daily run of Swan's payment operations. Specifically, we manage:

Banking Transactions (Credit Transfers, Direct Debits, etc.)

• End-to-end resolution of banking transactions-related incidents with internal (Engineering, etc.) and external (partner banks, etc.) stakeholders
• Clearing vs. settlement controls and reconciliation on all payment flows
• Management of operational/day-to-day relationships with Swan's financial partners and identification of process inefficiencies
• Execution of non-STP transactions (<0.001% of total transactions)
• Expertise and support to Swan teams (Technical Account Management, Customer Support, KYC, etc.)

Regulatory Obligations & Controls

• Control of automated cash segregation processes
• Production of accounting and regulatory exports
• Creation and maintenance of operational procedures
• Level-1 controls on payment operations processes & actions`

As a Payment Operations Analyst, you will:

• Run daily payment operations processes, actively participate in our continuous improvement approach, and help elaborate best practices, as we continue to launch and scale new payment products & services
• Collaborate with other Payment Operations Analysts and help foster knowledge sharing among the team
• Participate in tight feedback loops with Payment product managers and other internal stakeholders to improve product & processes
• Lead specific ad-hoc payment operations improvement projects, When it comes to recruitment, we're interested in your work experience, skills, and overall personality. Because diversity makes the workplace stronger and is necessary for Swan's success, we are intensifying efforts to incorporate concrete actions to help us improve in this area., A 30-min call with our Talent Acquisition Manager, to get to know you, understand your career expectations and answer your questions
• An interview with Gwenaëlle, our Payment Operations Lead
• A case study and an interview with Nicolas, our Team Supervisor
• An interview with Julien, our Head of Payment

  If you require alternative methods of application or screening, you must approach the employer directly to request this as Indeed is not responsible for the employer's application process.

• Excellent organizational and analytical abilities
• Strong written and verbal communication skills
• Demonstrated team player with a curious mindset
• Adaptability to evolving and fast-paced environments
• Professional proficiency in English
• Previous experience in a payment services provider or a bank is a plus but not mandatory
• Our ideal teammate is empathetic. Skilled. Frank. We love to challenge each other, and we leave our egos at the door

Swan is Europe's embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand.Swan processes over €1.5 billion in monthly transactions for more than 150 companies-like Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR)., * Meal Vouchers: We provide a meal voucher card to cover your meals on work days. * Transport: Monthly mobility package for employees. In accordance with the company agreement for sustainable mobilities, you can now use your mobility package to pay for alternative commuting modes. * Health insurance (mutuelle): Alan. This is Swan's health and welfare insurance. * Sports: Thanks to our partnership with Classpass, you can enjoy advantageous discounts on subscriptions. They offer a wide range of sports activities as well as wellness activities. * Well-being support: access to Moka Care for mental health and wellness. * Hybrid remote policy: We offer the possibility of working from home for 2 days per week. * Offsite: Once a year we gather to reconnect, deep-dive into big topics, and relax. * This isn't a perk, it should be the rule, but diversity and inclusion are important at Swan. We're working hard to get better every day. Our values: Swan's core values guide our actions daily. Individually, they may seem obvious, but together, they form a unique culture. Simplicity: Leonardo Da Vinci said: "simplicity is the ultimate sophistication." If something's convoluted or confusing, we work extra hard to break it down. - Making complex things simple is what we do. Long Term: We always play the long game, whether it's to support our partners in their growth journey, or make tangible commitments to climate action. Excellence: We are a team of experts who consistently go all out to create pixel-perfect banking services and exceed our partners' expectations- whatever it takes. Be Human: We believe in the power of kindness and the importance of acting with integrity. But embracing our humanity extends beyond interpersonal interactions, it means caring about greater issues that affect our planet. You can find out more about our culture. Salary Transparency Statement In compliance with the EU Pay Transparency Directive (effective as of 2026), Swan is committed to fair and transparent compensation. Salary Range: This position is classified as Level 2 in our Operation grid. The salary range reflects our internal compensation structure and is based on market benchmarks for similar roles across Europe. For this position we offer a salary between 44.000 and 53.000 Euros gross per year.