Junior Operations Analyst (Remote - Work from Anywhere)

Work from anywhere, impact everywhere Diversity is at the heart of who we are at Xapo Bank. We’re a fully distributed team of over 140 Xapiens that work remotely from 40+ countries around the world. Our beginning: A world that enjoys economic freedom and wealth protection, no matter where you live or who is running your country. This is the dream that drove Wences Casares, our Founder and Chairman, to quietly transform the world of banking. To achieve that, we search the world for the best people for the job. We work hard, think globally, and inspire each other to learn and grow. We are committed to changing the way things are done. Risk is inherent in all of our business activities and managing risk well is the responsibility of every Xapien. Sound risk management enables us to serve our customers and deliver value for our shareholders, and helps make Xapo a great place to work. Although we are headquartered in Gibraltar, this is a full time, 100% remote position Work from anywhere! Position overview We are looking for a Junior Operations Analyst who will be part of the Operations team serving in work streams like the payments execution, reconciliations, general back office or cards. As a Junior Operations Analyst you will become an expert in the systems operation and operational processes. The ideal candidate is a true team player knowing that the interaction with other teams is the rule. A positive and collaborative attitude are basic key characteristics to have a correct performance. Flexibility is at the core of Xapo Operations, the candidate is expected to quickly adapt to changing assignments and rotating responsibilities. The candidate must be keen on understanding the operative model, and the holistic functioning of Xapo Bank. Internally (how different teams and departments interact), and externally (which is the role of Xapo Bank in the fintech/crypto/banking space, and how it interacts with other players). Responsibilities • Payments Operations: Troubleshoot and resolve issues related to customer transactions, ensuring a smooth and efficient process. Perform daily or weekly payments to vendors or business partners. • Reconciliations: manage transaction statements to be able to perform reconciliations of the assets of the company, carry out controls to ensure financial data quality, completeness and integrity and provide quick support to the Finance team. • Cards: Monitor transaction processing including authorizations and settlements, manage the debit card transaction disputes and frauds claims. Assist the Customer Support team with customer inquiries. • Back Office: assist with various operations-related tasks ensuring timely completion of related activities. • Participate in ad hoc tasks and projects, contributing to team success with flexibility and a proactive attitude. • Develop, maintain, and improve operational policies, processes, and procedures to enhance efficiency and consistency. • Identify, propose, and document enhancements to processes and internal controls to align with best industry practices and optimize operations. Skills needed • Relevant working experience in Operations departments, ideally from a bank, fintech, payments or any finance-related institution. • Bachelor's degree or equivalent in Business Administration or a related field • Proven experience in at least one of the following: payments, banking, financial reconciliation, card payments and card disputes. • Strong work ethics, ability to prioritize, manage multiple tasks and execute in a dynamic environment. • Very good communication skills. Ability to read, write and speak fluent English • Strong analytical and problem-solving skills • Data oriented. Advanced excel or database skills. High attention to details. • Interested in technology and cryptocurrencies. • Able to work with minimal supervision. • Organized. Proactive. Self-starter. • Keen on problem-solving and an attitude to adopt solutions into our daily ways-of-working • Nice to have experience in some of these tools: Jira, Confluence, Miro, Finastra, any Core Banking Platform, G-Suite, Slack, Zoom, Mastercard Connect, VISA Online. Other requirements • A dedicated workspace. • A reliable internet connection with the fastest speed possible in your area. • Devices and other essential equipment that meet minimal technical specifications. • Alignment with Our Values and the Xapo Values-Driven Leadership principles. Why work for Xapo? IMPACT GLOBALLY, WORK REMOTELY. • Shape the Future: Improve lives through cutting-edge technology, work 100% remotely from anywhere in the world. • Great work-life balance:Build amazing things with a balance of autonomy and collaborative teamwork. Set your own work schedule and make use of a flexible PTO plan when you need to recharge. • Expect Excellence: Collaborate, learn, and grow with a high-performance team. Learn how you learn best - from books to conferences, you’ll get a yearly budget for your individual learning and development goals. At Xapo, we prioritize consumer protection and adhere to regulatory requirements by ensuring that all Xapiens are accountable for upholding principles of fair treatment, transparency, and ethical conduct in their interactions with customers and stakeholders. Apply Job!