Head of Operations (Payments)

Wirex • Full-time • Remote (Remote) • 21h ago

Who we are
At Wirex, we believe everyone should have access to the benefits of digital currency. We were the first to launch a crypto-enabled debit card, and we’re still ahead of the game—offering intuitive,

secure ways to buy, exchange, and spend crypto.
We must be doing something right, because more than 7 million people across 130 countries are helping to change the world by using Wirex.
Help us shape the future of digital finance!
Type of Cooperation: B2B Contract.
Location: Fully remote (EU preferred, no sanctioned countries).

Role Summary: Lead and scale the company’s global fiat operations across all products and payment flows—ensuring operational resilience, partner governance, fund flow control, inventory management, and scalable process architecture to support rapid business growth.
This role is accountable for transforming operations into a structured, institution-grade execution engine capable of supporting multi-region expansion and increasing transaction volumes.

Key responsibilities:
End-to-end ownership of fiat operations
—Full operational ownership across all fiat products (accounts, IBANs, SWIFT transfers, SEPA/FPS, card issuing and acceptance, and local payment rails).
—Clear accountability across inbound and outbound fund flows.
—Ensure operational continuity under rapid growth conditions.

Partner governance & funds flow control
—Operational management of key partners, including;
   Banking partners (IBAN providers, safeguarding banks, SWIFT partners),
   Card schemes, BIN sponsors, card processor, personalisation bureaus and delivery partners,
   Acquirers and card acceptance partners,
   Payment service providers and liquidity partners.
—Ensure stability and predictability of daily funds movement.
—Maintain strict reconciliation discipline across all partners.
—Ensure audit readiness and institutional-level documentation.

Settlement, reconciliation & operational financial discipline
—Ensure accurate daily reconciliation of all fiat flows.
—Monitor liquidity exposure across multiple partners and regions.
—Identify operational cost drivers and inefficiencies.
—Establish strong controls around safeguarding and client fund separation.

Operational scalability & architecture
—Redesign the operational model to support significant volume growth without linear headcount expansion—smart growth.
—Implement measurable KPIs across all operational domains.
—Reduce manual processes through automation and system controls.
—Ensure Operations are involved early in product launches and expansion initiatives.

Inventory & physical asset control
—Full control over operational stock: card inventory (virtual and physical), packaging materials, distribution logistics.
—Forecast demand in line with commercial projections.
—Prevent shortages, overstocking, or operational bottlenecks.
—Maintain proper tracking and accountability for all physical assets.

Operational risk & resilience
—Build early-warning indicators for operational stress or failure.
—Maintain strong incident management processes.
—Ensure compliance with scheme, banking, and regulatory operational requirements.
—Reduce key-person dependency within the function.

Team leadership, development & structure
—Build and lead a high-performance Operations team, fostering a results-driven culture with clear KPIs and succession planning.
—Develop internal talent and support continuous professional growth to expand team capabilities.

Requirements:
— Strong experience in payments, fintech, banking operations, or financial infrastructure.
— Proven exposure to managing complex partner ecosystems (banks, schemes, PSPs, acquirers).
— Deep understanding of fiat payment flows and operational risk.
— Experience scaling operational processes in a growth environment.
— Strong control mindset with ability to introduce structure without bureaucracy.
— Data-driven approach and comfort working with operational metrics.
— Structured Communication & Stakeholder Management.

Benefits:
— Premium tariffs for our product.
— Semi-remote work with flexible hours.
— Home office allowance.
— Virtual share options scheme after the probation period.
— Comprehensive medical insurance after the probation period.
— Generous vacation policy: 20 business days of paid leave.
— Paid sick leave, Birthday, and Anniversary leave.
— Length of Service Holidays.
— Engaging in online events for learning and enjoyment.
— Coworking with all facilities and parking compensation in Wrocław/Kyiv.

NOTE: Benefits may vary from region-to-region and will depend upon the location you are hired in.