Card Operations & Payments Officer

About the Position

Card Operations & Payments Officer

Join Shine Paris as a Card Operations & Payments Officer, own end-to-end card/payments operations, safeguard the system, and help a diverse team scale fintech impact.

We usually respond within a week

About the Company

Shine is the financial copilot for entrepreneurs and small business owners.

Founded by serial entrepreneurs Rico Andersen and Martin Hegelund, Shine is a leading European fintech unicorn on a mission to restore the joy of running a business, by ending wasted time on financial admin. Shine offers a connected solution for invoicing, accounting, payroll, business accounts, payments, and financing, meaning business owners can focus their energy on growing a healthy business, not held back by manual admin.

Part of something bigger

Today we're part of Cegid, a European leader in cloud software for finance and accounting. Together we're building Europe's leading financial copilot for small businesses and their accountants.

Shine already supports more than 400,000 small businesses. As part of Cegid, we now reach over one million small businesses and 15,000 accountants across Europe.

We're a multicultural team working from France, Germany, Denmark, and the Netherlands, contributing to a wider European network that spans Spain, Portugal, and Belgium.

Your hiring experience matters

Just as we respect our customers' time, we respect yours. Your experience with Shine and Cegid should feel simple, transparent, and genuinely supportive.

If this sounds like somewhere you want to grow, we'd love to hear from you.

Responsibilities

• Core Card Operations & Reconciliation

  • Daily Settlement: Execute the "Triple-Match" reconciliation between CARD Network EOD files, internal banking system records, and Nostro accounts. Ensure the Card Network Settlement account is reconciled.
  • Fund Management: Monitor liquidity to meet Card’s Network’s cut-off. Alert your manager of potential cash shortfalls based on transaction volume trends.
  • Billing management and reconciliation: Perform weekly reviews of Card Network Billing Identify tiered pricing errors, contest incorrect late-settlement penalties, and claim reimbursements for negotiated fees.

• Incident Management

  • Issue Resolution: Act as the primary point of contact for operational incidents (e.g., clearing file rejection, mapping errors, or connectivity issues between our technical card provider and our banking system).
  • Vendor Liaison: Manage the relationship with our technical card provider and the Card network, ensuring that all "MIM" (Member Information Management) contacts and NSIF forms are accurate and updated within 24 hours of any change.

• Claims, Fraud & Dispute

  • Full Dispute Lifecycle: Manage cardholder claims from identification to final resolution, including immediate reimbursements for confirmed fraud and managing chargeback rights (First/Second Presentments and Arbitrage).
  • Risk Reporting: Produce daily performance analysis on fraud levels, authorisation decline rates, and chargeback volumes to ensure the bank remains within the card’s Network quarterly thresholds.

• Mandatory Regulatory & Scheme Reporting

  • VISA QMR (Quarterly Management Report): Lead the preparation and submission of the QMR, ensuring all data regarding transaction volumes, fraud, and interchange is validated against internal records.
  • Xpay & Regulatory Reporting: Oversee the accuracy of Xpay reporting and other central bank or regulatory filings related to payment card activities.
  • Performance Dashboards: Design and maintain internal reporting on authorization success rates, cross-border volumes, and merchant category (MCC) trends for Management Information.

• Cross-Functional Support (Back-up Role)

  • Payments Versatility: Act as a designated back-up for other Payment Operations roles. This includes the ability to assist on SEPA/Swift or other payments operations, treasury management, and general G/L maintenance when primary operators are absent.
  • Process documentation: Maintain and update Standard Operating Procedures (SOPs) for both Card and general Payment flows to ensure seamless knowledge transfer.

Requirements

• Technical Competencies

  • Experience: 3-5 years in banking operations, specifically focused on card issuing (principal member level).
  • Scheme Knowledge: Deep understanding of CARD Network Clearing & Settlement rules, billing system, and the Target2 holiday calendar.
  • Accounting: Knowledge of Nostro/Vostro reconciliation management.
  • Tools: Proficiency in Banking Systems, Card Network online system, and automated reconciliation software.
  • Full professional fluency in both English is essential and French is a plus for this role.

• Soft Skills

  • Incident Resilience: Ability to stay calm and structured during technical outages or settlement failures.
  • Analytical Rigour: High attention to detail to catch human errors.
  • Adaptability: A "team-first" mindset, willing to jump into other payment areas to ensure business continuity.

We Offer

• Competitive salary
• Opportunity to work in a leading European fintech unicorn
• Be part of a multicultural team working across multiple European countries
• Professional development opportunities

Equal Opportunity Employer

We follow the principle of equal treatment to consider all job applicants and do not discriminate based on their gender, sexual orientation, color, racial or ethnic origin, religion, disability, etc. as per applicable law.

Locations

• Paris, FR
• Copenhagen, DK
• Amsterdam, NL

Work Location Type

Remote

Privacy Policy for Candidates

This personal data protection policy aims to inform you about the processing activities carried out by Shine when collecting your personal data on our recruitment website "careers.shine.fr" and, more generally, in the context of reviewing your application for roles offered by Shine. It is in accordance with the European regulations on personal data protection, particularly the Regulation of April 27, 2016 (GDPR), which came into effect on May 25, 2018, across the European Union.

In line with GDPR principles, we take all necessary measures to ensure that your personal data is:

• processed lawfully, fairly, and transparently;
• collected for specific, explicit, and legitimate purposes;
• relevant and limited to what is necessary for those purposes;
• stored only for the time required, in accordance with our data retention policies;
• handled in a way that ensures appropriate security and confidentiality, protecting it from loss, accidental destruction, alteration, or unauthorized access.

Who is this policy for?

This policy applies to candidates applying for job opportunities at Shine, whether directly via our recruitment site or through recruitment agencies, job boards, social networks (such as LinkedIn), or any other useful channels in the recruitment process.

What personal data do we collect and for what purposes?

Recruitment operations and matching

We collect data to process your application and suggest roles that may match your profile.

This data is either provided directly by you or shared with us by third parties (such as recruiters, job boards, or professional social networks). In such cases, Shine is not responsible for how those third parties handle your data, as you have a separate relationship with them.

We may update your profile using publicly available information from platforms like LinkedIn, via our data processor Hiresweet. Only relevant data is collected.

1) Application review

This includes contacting you about roles or future opportunities, arranging interviews, sending job alerts, managing legal or compliance obligations, and handling complaints or appeals.

We may collect:

• Your contact and identification information
• Any personal information included in your CV
• Professional and declarative data gathered during interviews or from relevant external sources
• Information from any trial immersion (if applicable and with your consent, especially if recorded)
• Publicly available professional profile data (e.g., LinkedIn)

2) Hiring process

When your application is successful, we collect the necessary data to prepare your employment contract, handle legal and administrative obligations (such as social declarations), and ensure Shine’s compliance obligations are met.

In some cases, this may involve screening against international sanctions lists.

We may collect sensitive data only if required by legal, regulatory, or compliance obligations, or if you provide it voluntarily.

If your application is successful, we may use the personal email address you provided during the recruitment process to:

• create your access account to Shine’s internal tools and automate certain onboarding steps, and
• contact you in case of account lockout or other access-related issues.

This use is strictly limited to onboarding and account management purposes. Your personal email address will be deleted upon termination of your employment or as soon as it is no longer required for these purposes.

How to ensure your personal data is accurate

You are responsible for ensuring that the data you share with us is accurate, complete, and up to date. Please inform us of any changes during our collaboration.

Legal basis for processing your data

Your personal data is processed based on pre-contractual or contractual steps.

Some recruitment-related processing is based on our legitimate interest or legal/regulatory obligations. In some rare cases, your consent may be required.

Are your data transferred outside the EU?

We may share your data with partners or processors located inside or outside the EU.

When such transfers occur, we implement appropriate safeguards to ensure your data is protected-such as adequacy decisions or standard contractual clauses.

Who can access your data?

Your data may be accessed only by authorized Shine employees and recruitment-related processors.

How long do we keep your data?

Unless you request otherwise, we retain your data for up to two (2) years from your last contact with Shine, so we can consider you for future roles that match your profile.

How to exercise your rights

Subject to legal conditions, you may exercise your rights of access, rectification, deletion, objection, limitation, or data portability.

To access or delete your data, you can use [this link].

For any other requests, contact us at [email protected].

You also have the right to lodge a complaint with a supervisory authority.

This policy may change over time, so we invite you to check our recruitment site regularly for updates.