Job Summary

•    The Payment Operations Specialist ensures the accurate, timely, and controlled execution of payment processing, clearing, cash management, and account maintenance activities that support the bank's transaction banking services. The role is accountable for delivering reliable operational outcomes, maintaining data integrity, and supporting seamless transaction processing across client and internal service channels.
•    The role contributes to business performance by ensuring payment transactions are processed in accordance with regulatory requirements, operational procedures, and service-level commitments. It plays a key role in managing operational risk, maintaining effective controls, resolving transaction exceptions, and safeguarding the integrity of customer and account information.
•    Working closely with Operations, Technology, Risk, Compliance, and Service Delivery teams, the role supports operational resilience, client satisfaction, and continuous improvement by identifying opportunities to enhance efficiency, strengthen controls, and improve service quality.

Key Responsibilities

Payment Processing & Transaction Delivery
•    Execute payment, clearing, and cash management transactions accurately and within agreed service standards to support reliable client outcomes.
•    Validate transaction instructions and customer information to ensure processing accuracy and reduce operational risk.
•    Investigate, resolve, and escalate payment exceptions, reconciliation breaks, and processing issues to minimise service disruption.
•    Deliver consistent operational performance against quality, productivity, and turnaround-time objectives.
Cash Management & Data Integrity
•    Maintain customer, account, product, and operational reference data to support accurate transaction processing and service delivery.
•    Execute account maintenance, billing, pricing, and related operational activities in accordance with approved procedures.
•    Ensure transaction records are complete, accurate, and appropriately documented to support auditability and regulatory requirements.
•    Identify, investigate, and address data-quality issues that may affect operational performance or client service.
Risk, Compliance & Control Management
•    Apply operational controls that mitigate financial, regulatory, and operational risks across payment-processing activities.
•    Execute activities in accordance with regulatory requirements, internal policies, and operational procedures.
•    Escalate incidents, control weaknesses, processing errors, and potential breaches promptly to support risk mitigation.
•    Support internal audits, regulatory reviews, and control assessments by providing accurate operational evidence and documentation.

Operational Excellence & Continuous Improvement
•    Identify opportunities to improve transaction-processing efficiency, service quality, and operational effectiveness.
•    Support automation, digitisation, and workflow-enhancement initiatives that simplify operations and reduce manual effort.
•    Contribute to process reviews that strengthen controls, reduce processing risks, and improve client outcomes.
•    Maintain awareness of emerging operational risks and recommend practical improvements to operating procedures.
Stakeholder & Service Management
•    Collaborate with Operations, Technology, Risk, Compliance, and Service Delivery teams to ensure effective operational support.
•    Communicate operational issues, service impacts, and resolution progress to relevant stakeholders in a timely manner.
•    Support a client-focused service culture by responding effectively to operational enquiries and service requests.
•    Contribute to resolving cross-functional issues that affect transaction processing or service performance.

Motivations
•    Building trusted, long‑term relationships that deliver sustainable, risk‑adjusted growth.
•    Aligning products, regions and stakeholders around clear strategic priorities.
•    Applying sector‑ and segment‑specific knowledge and judgment to solve complex client problems and create value, leveraging data and AI‑enabled insights to deepen client understanding, sharpen focus and drive commercial impact

Skills and Experience

Priority skills
•    Governance, Risk, and Compliance (GRC)
•    Settlement Management
•    Operations Management
•    Quality Assurance
•    Regulatory Compliance
Other skills
•    Cash Management
•    Payment Processing
•    Payment Schedule
•    Service Delivery
•    Data Management
•    Stakeholder Engagement
•    Risk Management

Qualifications

•    Experience in transaction banking, cash management, payments, or financial services environments with high transaction volumes.
•    Exposure to regulated operational environments with strong control, compliance, and risk-management requirements.
•    Experience working across operational teams and stakeholder groups to resolve processing issues and service impacts.
•    Exposure to process improvement, automation, or operational-efficiency initiatives within banking or financial operations.
•    Experience balancing operational priorities while maintaining service quality, accuracy, and service-level commitments.
•    Business English

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first-aiders and self-help toolkits.
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.

Visit our careers website to learn more about us: www.sc.com/careers.