Payments & Settlements Officer

FNZ Group; City of Edinburgh; Hybrid; GBP 80,000 - 100,000; Full time

Job summary

A global fintech leader in Edinburgh is seeking a Cash Payments & Settlements Officer to ensure the timely and accurate movement of client funds. This role requires strong attention to detail, experience in financial operations, and the ability to collaborate with internal teams and external providers. You will also support process improvements while managing trade settlements, ensuring compliance with FCA CASS rules, and dealing with complex payment issues. This position offers a competitive salary and hybrid working options.

Benefits

Competitive salary and paid overtime

Private medical and life insurance

Cycle to work and wellbeing schemes

Paid training and career development support

Qualifications

• Experience in a financial operations, cash, or settlements role (preferred).
• Confident use of Excel and financial systems is essential.
• Understanding of FCA CASS rules is desirable.

Responsibilities

• Settlement of trades accurately and on time.
• Ensuring correct repatriation of funds to client accounts.
• Monitoring debtor and creditor balances.

Skills

Attention to detail

Reconciliation skills

Communication skills

Problem-solving mindset

Tools

Excel

Financial systems

Job description

**Payments & Settlements Officer****Edinburgh | Permanent | Hybrid | £Competitive + paid overtime**We're hiring a Cash Payments & Settlements Officer to join our Investment Operations team. This is a brilliant opportunity to build experience in the heart of our trade settlement and payments function - supporting both institutional and retail clients on our market-leading wealth management platform.**What you’ll be doing:**As a Cash Payments & Settlements Officer, you’ll play a key role in the timely and accurate movement of client funds across a variety of financial transactions — including trade settlements, and client drawdowns. Your work will help ensure FNZ delivers an efficient and compliant service that protects client assets and supports our regulatory responsibilities.In this fast-paced, team-based environment, your key duties will include:* Settling trades accurately and on time* Ensuring funds are correctly repatriated to client accounts on a daily basis* Monitoring debtor and creditor balances and taking action to clear aged items* Generating and reviewing FSA Client Money Calculations* Managing open control account items and ensuring ledger accuracy* Processing client payroll drawdowns where required* Investigating and resolving complex payment or settlement issues* Supporting continual process improvement and risk mitigationYou’ll receive full onboarding and support, with opportunities to work across different teams and functions as you grow in your role.**What we’re looking for:**This role would suit someone with an eye for detail, a commitment to accuracy, and an interest in financial operations or investment administration. You’ll be working with internal teams and external providers, so strong communication skills and a collaborative mindset are key.To succeed, you’ll bring:* Experience in a financial operations, cash, or settlements role (preferred)* Strong attention to detail and reconciliation skills* Confident use of Excel and financial systems* A proactive and organised approach to managing tasks and priorities* An understanding of FCA CASS rules (desirable)* A problem-solving mindset and willingness to take ownership* A team-first attitude and eagerness to learnAt FNZ, you’ll be part of a global fintech leader shaping the future of wealth management. We combine technology, operations, and investment expertise to help millions of people invest in their future.Here’s what you can expect:* Competitive salary and paid overtime* Hybrid working and flexible hours* Private medical and life insurance* Cycle to work and wellbeing schemes* Paid training and career development support* Global mobility and internal progression pathways* Friendly, inclusive team cultureApply today to become a Cash Payments & Settlements Officer at FNZ#LI-CW1*About FNZ**FNZ is committed to opening up wealth so that everyone, everywhere can invest in their future on their terms. We know the foundation to do that already exists in the wealth management industry, but complexity holds firms back.**We created wealth’s growth platform to help. We provide a global, end-to-end wealth management platform that integrates modern technology with business and investment operations. All in a regulated financial institution.**We partner with the world’s leading financial institutions, with over US$2.2 trillion in assets on platform (AoP). Together with our clients, we empower nearly 30 million people across all wealth segments to invest in their future.*