Operations Analyst (Remote - Work from Anywhere) at Xapo Bank

About Xapo Bank

At Xapo Bank, diversity is fundamental to our identity. We are a fully distributed team of over 150 'Xapiens' working remotely from more than 30 countries globally. Our vision is to foster a world where economic freedom and wealth protection are accessible to everyone, regardless of their location or governing authority. To achieve this, we seek out the best talent worldwide. We are dedicated to hard work, global thinking, and fostering an environment where individuals inspire each other to learn and grow. We are committed to redefining industry standards. Although our headquarters are in Gibraltar, this is a full-time, 100% remote position allowing you to work from anywhere!

Position Overview

This role is an integral part of our Operations team, contributing to essential work streams such as payments execution, reconciliations, general back office functions, and cards operations. As an Operations Analyst, you will develop deep expertise in our systems and operational processes. This position demands strong teamwork and collaboration, as regular interaction with other teams is a core function. A positive and collaborative attitude is crucial for success. Flexibility is central to our team's ethos; you will be expected to adapt to changing assignments and rotating responsibilities. A key aspect of this role is understanding our comprehensive operating model, both internally (how teams and departments interact) and externally (our position within the fintech, crypto, and banking sectors, and our interactions with other key players).

Key Responsibilities

• Payments Operations: Troubleshoot and resolve issues related to customer transactions. Execute daily or weekly payments to vendors or business partners.
• Reconciliations: Manage transaction statements to perform accurate reconciliations of company assets. Implement controls to ensure the quality, completeness, and integrity of financial data, providing support to the Finance team.
• Cards: Monitor transaction processing, including authorizations and settlements. Manage debit card transaction disputes and fraud claims. Assist the Customer Support team with customer inquiries.
• Back Office: Provide support for various operations-related tasks, ensuring the timely completion of all associated activities.
• Project Participation: Contribute to ad hoc tasks and projects with a flexible and proactive approach.
• Process Improvement: Develop, maintain, and continuously improve operational policies, processes, and procedures to enhance overall efficiency.
• Internal Controls: Identify, propose, and document enhancements to processes and internal controls to align with industry best practices.

Required Skills & Competencies

• 1-3 years of relevant experience in an Operations department, ideally within a bank, fintech, or financial institution.
• Bachelor's degree or equivalent qualification in Business Administration or a related field.
• Proven experience in at least one of the following areas: payments, banking, financial reconciliation, or card disputes.
• A strong work ethic coupled with the ability to prioritize and manage multiple tasks effectively in a dynamic environment.
• Excellent communication skills, demonstrated by fluency in written and spoken English.
• Strong analytical and problem-solving abilities.
• A data-oriented mindset with advanced Excel or database skills and meticulous attention to detail.
• A keen interest in technology and cryptocurrencies.
• Ability to work effectively with minimal supervision.
• Must be organized, proactive, and a self-starter.
• A problem-solving attitude with a focus on integrating solutions into daily workflows.

Preferred Experience with Tools

• Jira, Confluence, Miro (Note: Only Jira is a selectable skill)
• Finastra or other Core Banking Platforms
• G-Suite, Slack, Zoom
• Mastercard Connect, VISA Online

Other Requirements

• A dedicated workspace.
• A reliable internet connection with the fastest available speed in your area.
• Devices and other essential equipment that meet specified 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, working 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 take advantage of a flexible Paid Time Off (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 will receive a yearly budget for your individual learning and development goals.

At Xapo, we prioritize consumer protection and adhere strictly to regulatory requirements, ensuring that all 'Xapiens' are accountable for upholding principles of fair treatment, transparency, and ethical conduct in their interactions with customers and stakeholders.