Payment Transaction Monitoring Specialist

⚡️ paytech builds the technology behind modern payments. Our white-label payment gateway, payment orchestration platform, and growing suite of payment products help businesses launch, scale, and optimise their payment infrastructure. We’re looking for a Payment Transaction Monitoring Specialist to take end-to-end ownership of payment activity for a designated portfolio of high-priority customer accounts.

🧩 Key Responsibilities:

• Maintain continuous oversight of payment activity for an assigned portfolio of priority customer accounts

• Monitor payment activity at account, user ID, email, transaction, card, BIN, issuer, country, device, and payment-method level

• Build a detailed understanding of each customer’s payment behaviour and transaction history

• Track successful, declined, pending, reversed, duplicated, refunded, and abandoned payment attempts

• Identify changes in payment behaviour, recurring decline patterns, technical issues, and potential payment obstacles

• Investigate individual payment failures and determine the most likely root cause

• Review issuer response codes, gateway errors, authentication results, routing history, and PSP responses

• Distinguish between issuer declines, technical errors, routing problems, risk rejections, and customer-side issues

• Analyse transaction performance by BIN, issuing bank, card type, card scheme, country, currency, and authentication flow

• Adjust routing logic based on BIN, issuer, card type, country, currency, payment history, transaction amount, and previous payment outcomes

• Configure or request changes to payment cascades based on actual transaction performance

• Maintain clear and up-to-date records of customer-specific payment issues, actions taken, and results achieved

• Prioritise payment-critical cases and ensure unresolved issues are followed through to completion

🗒 Requirements:

• Must-have:

• Hands-on experience with payments, payment processing, acquiring, PSPs, payment gateways, or payment operations

• Strong understanding of the payment transaction lifecycle

• Ability to analyse declines, issuer response codes, authentication results, gateway errors, and PSP responses

• Understanding of BINs, issuers, card schemes, payment methods, routing, and cascades

• Strong analytical and troubleshooting skills

• Ability to work confidently with transaction-level data and identify patterns across large volumes of payments

• Excellent attention to detail and ownership of payment-critical cases

• Comfortable collaborating with engineers, analysts, and external PSP partners

🎁 What We Offer:

• Deep involvement in the company’s core payment infrastructure

• Close collaboration with engineers, analysts, and PSP partners

• Competitive salary package and performance bonuses

• Fast-track growth in a high-volume, multi-GEO payment processing environment

• Work equipment tailored to your needs: Mac, Windows, or Linux

• Cozy Limassol office with coffee, snacks, drinks, PS5, and rooftop view

• Private medical insurance after probation and additional benefits, including sport coverage

• Partial lunch coverage

• Full work-permit support