Senior Card Operations

About Moniepoint GB

Moniepoint GB is building modern financial infrastructure to power global payments from the UK to Africa and beyond. Our card issuing platform supports Visa debit programs, cross-border remittances, and multi-currency settlement, enabling individuals and businesses to spend, send, and receive money seamlessly.

We are looking for a Card Operations Lead to drive the operational backbone of our card issuing business, ensuring smooth daily operations, scheme compliance, accurate settlement, and exceptional cardholder experience.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

About the role

As the Card Operations Lead, you’ll own the end-to-end lifecycle of Moniepoint GB’s Visa card operations — from card logistics to authorization, clearing, settlement, and reconciliation. You will liaise with Visa, our processor (CLOWD9), banking partners, and internal teams to ensure operational excellence, scheme compliance, and financial accuracy.

You will design and continuously improve card operations processes, manage exceptions, handle disputes and chargebacks, and ensure our reconciliation and settlement pipelines are efficient and controlled.

Key responsibilities

1. Scheme Settlement & Reconciliation
- Manage daily Visa settlement and reconciliation between network files, processor reports, and Moniepoint GB’s core ledger.
- Maintain and reconcile Visa Settlement accounts across currencies.
- Coordinate with Finance to ensure all postings and funding obligations are accurate and timely.

2. Transaction Lifecycle Operations
- Oversee processing of authorizations, completions, clearings, refunds, and reversals, ensuring timely and accurate ledger updates.
- Work with Engineering and QA teams to validate automation of transaction postings and exception handling.

3. Disputes & Chargebacks
- Lead the chargeback and dispute process, ensuring compliance with Visa rules and internal SLA timelines.
- Analyze dispute root causes and recommend process or system improvements to minimize losses.

4. Processor & Scheme Relationship Management
- Serve as the day-to-day operational contact for CLOWD9, Visa, and other scheme partners.
- Monitor scheme alerts, bulletins, and operational changes; implement required updates promptly.

5. Operational Controls & Risk Management
- Develop and maintain Standard Operating Procedures (SOPs), controls, and dashboards to monitor card operations KPIs.
- Identify and mitigate operational risks related to card processing, settlements, and customer balances.
- Support internal and external audits, ensuring complete traceability from network to ledger.

6. Cross-Functional Collaboration
- Partner with Product, Finance, Compliance, and Engineering teams to improve cardholder experience, reporting accuracy, and operational scalability.
- Contribute to card product enhancements by providing operational insights and feedback.

Required experience & qualifications

• Minimum 5 years’ experience in card issuing operations (Visa or Mastercard), ideally in a fintech, neobank, or payment processor.
• Strong grasp of Visa transaction lifecycle, authorization, clearing, settlement, reconciliation, and chargebacks.
• Hands-on experience with card processors (CLOWD9, Interswitch, Unified Payments (UP), GPS, Thredd, Marqeta, FIS, etc.).
• Excellent understanding of reconciliation and ledger postings, especially around Visa Settlement, customer liabilities, and interchange income.
• Familiarity with UK payments environment, including safeguarding, operational resilience, and scheme funding processes.
• Strong analytical and data-handling skills (Excel, SQL, or BI tools).
• Process-oriented mindset with the ability to automate and streamline operations.
• Exceptional communication and stakeholder management skills.

Nice to have:

• Experience launching or scaling a multi-currency card program.
• Knowledge of cross-border remittance and FX settlement operations.
• Understanding of PCI DSS, FCA operational requirements, and Visa/Mastercard compliance frameworks.
• Prior experience managing a team or mentoring operations analysts.

What to expect in the hiring process

• A preliminary phone call with one of our recruiters.
• An interview with the member of the team
• An interview with the hiring manager

Why Join Moniepoint GB

You’ll be part of a mission-driven team building the next-generation payment infrastructure connecting the UK to Africa. As our Card Operations Lead, you’ll have a front-row seat in shaping a modern issuer program, defining operational standards, and scaling an international fintech platform.