Card Operations & Payments Officer

Card Operations & Payments Officer Join Shine Paris as Card Operations & Payments Officer, own end-to-end card/payments ops, safeguard the system, and help a diverse team scale fintech impact. Apply We usually respond within a week About Shine Shine is the financial copilot for entrepreneurs and small business owners. Founded by serial entrepreneurs Rico Andersen and Martin Hegelund, Shine is a leading European fintech unicorn on a mission to restore the joy of running a business, by ending wasted time on financial admin. Shine offers a connected solution for invoicing, accounting, payroll, business accounts, payments, and financing, meaning business owners can focus their energy on growing a healthy business, not held back by manual admin. Part of something bigger Today we're part of Cegid, a European leader in cloud software for finance and accounting. Together we're building Europe's leading financial copilot for small businesses and their accountants. Shine already supports more than 400,000 small businesses. As part of Cegid, we now reach over one million small businesses and 15,000 accountants across Europe. We're a multicultural team working from France, Germany, Denmark and the Netherlands, contributing to a wider European network that spans Spain, Portugal and Belgium. Your hiring experience matters Just as we respect our customers' time, we respect yours. Your experience with Shine and Cegid should feel simple, transparent and genuinely supportive. If this sounds like somewhere you want to grow, we'd love to hear from you. The Banking & Compliance team at Shine Over the next year, we will build a best-in-class banking operations unit from the ground up, automating reporting cycles, eliminating noise, and freeing our team to do what matters most: generating the sharp, forward-looking insights that drive growth. This is a rare opportunity to shape not just a function, but a high-performing team culture ,one where we consistently deliver and exceed our top-line targets. Your role as a Card Operations & Payments Officer The Payments & Card Operations Officer is responsible for the end-to-end operational integrity of the card program and general payment flows. You will ensure the daily synchronisation between our Banking System, Card technical Provider, and the CARD network. Beyond routine processing, you are the technical guardian of the system, managing incidents, resolving settlement discrepancies, and serving as a versatile back-up for the broader Payments Operations Department. 📍 Job located preferably in Paris, France, with the possibility of two remote working days per week. We are also open to candidates based in Denmark, the Netherlands, or Germany. What You'll Be Doing: Core Card Operations & Reconciliation Daily Settlement: Execute the "Triple-Match" reconciliation between CARD Network EOD files, internal banking system records, and Nostro accounts. Ensure the Card Network Settlement account is reconciled. Fund Management: Monitor liquidity to meet Card’s Network’s cut-off. Alert your manager of potential cash shortfalls based on transaction volume trends. Billing management and reconciliation: Perform weekly reviews of Card Network Billing Identify tiered pricing errors, contest incorrect late-settlement penalties, and claim reimbursements for negotiated fees. Incident Management Issue Resolution: Act as the primary point of contact for operational incidents (e.g., clearing file rejection, mapping errors, or connectivity issues between our technical card provider and our banking system). Vendor Liaison: Manage the relationship with our technical card provider and the Card network, ensuring that all "MIM" (Member Information Management) contacts and NSIF forms are accurate and updated within 24 hours of any change. Review and update stand-in parameters regularly to mitigate BIN attacks and monitor authorised volumes via backup systems. Claims, Fraud & Dispute Full Dispute Lifecycle: Manage cardholder claims from identification to final resolution, including immediate reimbursements for confirmed fraud and managing chargeback rights (First/Second Presentments and Arbitrage). Risk Reporting: Produce daily performance analysis on fraud levels, authorisation decline rates, and chargeback volumes to ensure the bank remains within the card’s Network quarterly thresholds. Mandatory Regulatory & Scheme Reporting VISA QMR (Quarterly Management Report): Lead the preparation and submission of the QMR, ensuring all data regarding transaction volumes, fraud, and interchange is validated against internal records. Xpay & Regulatory Reporting: Oversee the accuracy of Xpay reporting and other central bank or regulatory filings related to payment card activities. Performance Dashboards: Design and maintain internal reporting on authorization success rates, cross-border volumes, and merchant category (MCC) trends for Management Information. Cross-Functional Support (Back-up Role) Payments Versatility: Act as a designated back-up for other Payment Operations roles. This includes the ability to assist on SEPA/Swift or other payments operations, treasury management, and general G/L maintenance when primary operators are absent. Process documentation: Maintain and update Standard Operating Procedures (SOPs) for both Card and general Payment flows to ensure seamless knowledge transfer. What You Bring Technical Competencies Experience: 3-5 years in banking operations, specifically focused on card issuing (principal member level). Scheme Knowledge: Deep understanding of CARD Network Clearing & Settlement rules, billing system, and the Target2 holiday calendar. Accounting: Knowledge of Nostro/Vostro reconciliation management. Tools: Proficiency in Banking Systems, Card Network online system, and automated reconciliation software. Full professional fluency in both English is essential and French is a plus for this role. Soft Skills Incident Resilience: Ability to stay calm and structured during technical outages or settlement failures. Analytical Rigour: High attention to detail to catch human errors Adaptability: A "team-first" mindset, willing to jump into other payment areas to ensure business continuity. Equal Opportunity Employer We follow the principle of equal treatment to consider all job applicants and do not discriminate based on their gender, sexual orientation, color, racial or ethnic origin, religion, disability, etc. as per applicable law. Our recruitment process 1️ ⃣ Initial call (30 min) with a Recruiting Partner 2️ ⃣ Interview with hiring manager (45-60 min) 3️ ⃣ Case study interview + personality and logic assessment feedback Department Banking & Compliance Role Banking Operations Locations Paris, Copenhagen, Amsterdam, Berlin