Payments Officer

Our Operations team at Multitude Bank is looking for a Payments Officer to join us in Malta. You’ll ensure high-quality transaction processing, resolve payment-related issues, and support internal teams in a fast-paced, regulated fintech environment. The ideal candidate is detail-oriented, proactive, and thrives on delivering accuracy and service excellence.

Your focus

• Process payment transactions efficiently and accurately in line with service-level expectations

• Handle payment inquiries and support internal departments such as Customer Support, Collections, and Reconciliation

• Investigate payment issues with banks and PSPs; follow up on internal JIRA tickets as needed

• Document best practices, apply process learnings, and reduce recurring errors through collaboration

• Assist with onboarding and monitoring new payment systems and platform upgrades

• Contribute to continuous improvement projects to enhance efficiency and service

• Participate in internal and external training initiatives

• Ensure strict compliance with bank policies, procedures, regulatory standards, and audit guidelines

• Support ad hoc tasks and projects within the Payments Department as assigned

• Additional responsibilities (for pay-out function):

  • Monitor and manage liquidity across accounts

  • Investigate lending, deposit, and mobile banking transaction issues

  • Support blocking/unblocking and closure of mobile bank accounts

  • Oversee SWIFT and SEPA payments, including message recall and reconciliation workflows

What we’re looking for

• Minimum 1 year of experience in Payments or a similar operations function

• A degree in Business or a related field is a plus

• Ability to work under pressure and manage multiple priorities effectively

• Strong decision-making and problem-solving abilities

• Excellent planning and organisational skills

• Fluency in written and spoken English

• Detail-oriented, reliable, and adaptable team player

• Confident using Microsoft Office tools

• Willingness to travel occasionally, if required

We offer

• A truly global workplace – collaborate with 40+ nationalities across 25+ countries, embracing diversity, inclusion, and cross-cultural innovation

• Hybrid and flexible work – balance your life and career with remote-friendly policies and modern offices across Europe

• A culture of growth – accelerate your development with access to LinkedIn Learning, structured mentorship, and internal leadership programmes (HiPo and People Leader tracks)

• Workation programme – work remotely from abroad for up to 2 months per year and experience new cultures while staying connected and productive

• Financial growth opportunities – invest in your future with our share purchase matching programme, doubling your contributions and fostering long-term rewards

• Private health insurance – access comprehensive healthcare coverage tailored to local standards

• Wellbeing benefit – receive an annual wellness allowance to support your physical and mental health

• Weekly office breakfast – start every Friday with a team breakfast and great coffee

By proceeding to apply for a job with us, you confirm that you have read and accepted our Recruitment Privacy Policy.