Paynovate

Location: Bruxelles, Belgique Why Paynovate? Paynovate is a growing Belgian fintech with over 80 employees, developing payment solutions in a fast-moving, regulated environment. We value autonomy, ownership and teamwork. Join our Infrastructure team and take on technical and leadership challenges at the heart of our payment platform. Your Role Reporting to the Head of Engineering, you'll lead our team of four System Engineers, drive our AWS-first strategy and keep our platform secure, reliable and cost-efficient. This is a hands-on role: around half of your time will go to engineering work alongside your team, the other half to technical leadership, governance, planning and people management. You'll join the Engineering management team, shaping technical direction alongside fellow team leads and senior technical contributors. You’ll work closely with Security, Compliance, Risk, Finance and Operations, and above all with delivery teams, giving them a secure, compliant platform they can ship on autonomously. What You'll Work On Our Infrastructure team powers a payment platform undergoing significant modernisation, with the following key priorities: AWS-first : Migrating our remaining on-premises solutions to the cloud and making AWS the default for everything we build and run. Reliability and compliance : Keeping our infrastructure reliable, observable and compliant with PCI-DSS, PCI-PIN, DORA and other regulatory requirements. Platform hardening : Strengthening the security of our operating systems, networks and third-party integrations against evolving threats. Autonomous delivery enablement : Improving our operating model so delivery teams ship autonomously through a DevOps culture, CI/CD and automation, while keeping strong control over production changes. What You'll Do System Engineering : Lead the infrastructure side of our AWS migration while keeping existing systems stable. Design, build and troubleshoot cloud and on-premises systems using Terraform, Ansible, Docker and AWS services. Build and improve the CI/CD pipelines, automation and self-service tooling that delivery teams use to deploy and run their services. Operate our MySQL databases in production. Participate in a compensated on-call rotation, approximately one week per month. Team Leadership : Hold one-to-ones, provide regular feedback and conduct annual performance reviews. Manage recruitment, onboarding and team development, coaching engineers and strengthening technical practices. Build a healthy, collaborative team culture where issues are raised and resolved early. Lead delivery planning and execution, balancing team capacity, business priorities, platform reliability and technical debt. Work with fellow team leads on cross-team initiatives, such as bringing AI into our engineering workflows and evolving our shared SDLC and change-management practices. Communicate plans, priorities and technical decisions clearly within the team and to technical and non-technical stakeholders. Technical and Operational Leadership : Own the infrastructure roadmap, in alignment with delivery teams and the Engineering management team. Own monitoring, alerting and incident management: SLOs, MTTA/MTTR, observability dashboards and blameless post-mortems. Lead cloud architecture discussions and decisions with architects and delivery teams. Shape our platform engineering approach, providing self-service tools and guidance that empower delivery teams. Drive security initiatives together with Security and Risk. Own infrastructure spend: track costs, negotiate with providers, and optimise our usage. What You Bring Essential : Strong AWS experience, including architecture, operations and security. Solid experience with Linux, Docker and Infrastructure as Code (Terraform, Ansible). Good understanding of networking and hybrid cloud/on-premises environments. Experience with CI/CD, infrastructure automation, observability and production troubleshooting. Experience leading an engineering team, including direct people management, coaching and delivery ownership. Strong communication skills and the ability to work across teams. A pragmatic, business-aware approach to technical decisions. Professional working proficiency in English. Nice to Have : Experience operating MySQL in production. Experience with HSMs. Experience in payments, fintech or another regulated environment, ideally with PCI-DSS, PCI-PIN or DORA. Experience working with vendors and keeping infrastructure costs under control. Don't tick every box? We'd still like to hear from you How We Work Our engineering culture is built on a balance between autonomy and teamwork, guided by three principles: Autonomy: "I can do it." Take initiative, solve problems and know when to ask for help. Ownership: "I make sure it gets done." Take responsibility and follow things through. One Team: "We succeed together." Communicate openly, share knowledge and support each other. What we offer A hands-on leadership role with real autonomy and impact on how our payment platform evolves. Technical challenges in payments, including the modernisation of existing systems. A collaborative team and opportunities to develop your skills. Hybrid working and a benefits package including 32 days of holiday, a mobility budget, meal vouchers, health and group insurance, a phone, and a homeworking allowance. Interview Process Technical Background and Ways of Working (60–90 min): Meet other Engineering Team Leads. We'll dive into your technical background and discuss how we collaborate, solve problems and support each other as peers. Department Vision and Q&A (60 min): Meet our Head of Engineering. This is an opportunity to understand the broader company strategy, learn about the engineering department's goals and ask any big-picture questions you have about the role. Meet the Team (30 min): An informal chat with one or two engineers from your future team. This is a two-way street: it gives the team a chance to meet their future manager and gives you a feel for the people you'll be leading day to day.

Location: Brussels, Belgium Why Paynovate Paynovate is a growing Belgian fintech with over 80 employees, developing payment solutions in a fast-moving, regulated environment. We value initiative, ownership and teamwork. Join our Acquiring engineering team and take on technical and leadership challenges at the heart of our payment solutions. Your Role As an Engineering Team Lead (Acquiring), you'll combine hands-on technical leadership with people management and delivery ownership. You'll maintain and modernise our payment systems, lead the team's delivery priorities and coach engineers. You'll join the Engineering leadership team, shaping technical direction alongside fellow team leads and senior technical contributors. You'll work closely with Product, Finance, Compliance and Operations to turn business needs into reliable technical solutions. What You'll Work On Our Acquiring team works on a range of technical and business challenges, including: Payment solutions : Developing e-commerce payment solutions and supporting our Direct Acquiring initiatives Production reliability : Improving system observability, stability and security Platform modernisation : Modernising legacy applications and scheduled processes to improve maintainability without impacting business continuity Data quality and governance : Improving data quality and managing complex databases covering payment transactions, customers and related fees Internal tools : Building and improving reports and applications for other teams to streamline day-to-day operations Fraud and compliance : Integrating with fraud monitoring and post-transaction AML solutions and developing regulatory reporting solutions, such as cross-border tax reporting What You'll Do Software Engineering : Develop and maintain backend applications primarily in PHP (Laravel) Modernise legacy systems while keeping production stable, contributing to architectural redesigns and AWS migrations alongside other Engineering teams Design and improve complex relational databases, including data modelling and migrations Build and maintain APIs, payment integrations and internal tools Support application deployments and troubleshoot production issues Improve code quality, testing, documentation, observability and reliability Team Leadership : Lead delivery planning and execution, balancing team capacity, business priorities, platform reliability and technical debt Help evolve and apply shared SDLC and change-management practices, supporting predictable delivery and service-level commitments (SLAs). Lead one-to-ones, provide regular feedback and conduct annual performance reviews Manage recruitment, onboarding and team development, coaching engineers and strengthening technical practices Ensure clear communication within the team and with Product, Finance, Compliance, Infrastructure, Operations and other stakeholders What You Bring Essential : Strong experience with PHP and its ecosystem (ideally Laravel), including hands-on backend development Solid experience with relational databases (ideally MySQL), including data modelling and migrations Practical experience with AWS, software reliability and production environments Experience leading an engineering team, including direct people management, coaching and delivery ownership Experience designing and evolving backend architectures, with solid knowledge of APIs, performance, troubleshooting, automated testing, data integrity and transactional reliability Strong communication skills and the ability to work across teams Ability and willingness to understand business needs and make practical technical decisions Professional working proficiency in English Nice to Have : Experience with TypeScript is a strong plus, particularly for backend development Experience with Go Knowledge of Infrastructure as Code (e.g. Terraform), Kubernetes or CI/CD Experience in payments, acquiring, fintech or another regulated environment Experience with high-availability production systems French or Dutch language skills How We Work Our engineering culture is built on a balance between autonomy and teamwork, guided by three principles: Autonomy : "I can do it." Take initiative, solve problems and know when to ask for help Ownership : "I make sure it gets done." Take responsibility and follow things through One Team : "We succeed together." Communicate openly, share knowledge and support each other What We Offer A hands-on leadership role with real autonomy and impact on how our payment platform evolves. Technical challenges in payments, including the modernisation of existing systems. A collaborative team and opportunities to develop your skills. Hybrid working and a benefits package including 32 days of holiday, a mobility budget, meal vouchers, health and group insurance, a phone, and a homeworking allowance.

Location: Belgique Why Paynovate? Paynovate is a Belgium-based fintech with more than 80 talented employees. We’re building a company where dreams are shaped, where bold initiatives are taken, and where your leadership, ownership and ability to follow through are valued. Context At Paynovate, our compliance operations rely on systems that need to be reliable, scalable and properly understood. We are looking for a Financial Crime Technology Manager to take end-to-end ownership of our fraud and compliance technology stack, starting with SEON and Featurespace. Your first priority will be to regain full control of these platforms: understand their current configuration, assess their effectiveness, recalibrate rules and thresholds, and establish a continuous feedback loop with the teams using them every day. Over time, you will also help define our financial-crime technology strategy, assess new solutions and lead future tool implementations or migrations. This is a senior individual contributor role with no direct people-management responsibility at this stage. Your role Your time will broadly be divided across three areas: 50% – Systems operations and optimisation 25% – Technology strategy and roadmap 25% – Product and Engineering collaboration What you will do Own and optimise our systems Take end-to-end ownership of our fraud and compliance platforms, initially SEON and Featurespace. Manage their configuration, rules, thresholds, integrations and ongoing maintenance. Assess tool performance using relevant metrics such as precision, recall, false-positive rates and alert volumes. Analyse alert outcomes and operational feedback to identify control gaps, ineffective rules and opportunities for optimisation. Recalibrate detection rules and thresholds while maintaining an appropriate balance between detection effectiveness and operational workload. Establish a structured feedback loop with Compliance Operations, Fraud, Customer Support and other relevant teams. Monitor system performance and ensure issues are identified, prioritised and resolved. Shape our technology strategy Build and maintain a roadmap for Paynovate’s fraud and compliance technology capabilities. Assess whether existing tools remain fit for purpose and recommend improvements or alternatives. Participate in the selection of new technology providers. Lead the functional aspects of future implementations and migrations, from requirements definition through testing and rollout. Identify opportunities to automate and improve day-to-day Compliance activities, including through AI-enabled solutions where appropriate. Ensure technology decisions support operational needs, regulatory expectations and Paynovate’s wider business strategy. Connect Compliance, Product and Engineering Translate fraud and compliance needs into clear functional and technical requirements. Work closely with Product, Engineering and Data teams to design or enhance internal capabilities. Define acceptance criteria and coordinate testing before changes are released. Support the development of dashboards and reporting on alert volumes, detection effectiveness, system performance and operational outcomes. Maintain clear documentation covering system configuration, rule changes, decisions and operating procedures. Train relevant teams on the effective use of the platforms. What you bring Solid understanding of fraud, AML or transaction-monitoring processes (mandatory) Significant experience with fraud-detection, transaction-monitoring or financial-crime technology within payments, fintech, banking or financial services. Hands-on experience configuring and optimising platforms such as SEON, Featurespace or comparable solutions. Experience with fraud rules, thresholds, scoring models or transaction-monitoring scenarios. Strong analytical skills and the ability to work with large and imperfect datasets. Working knowledge of SQL and data-analysis or business-intelligence tools. Understanding of key model-performance concepts, including confusion matrices, precision, recall and false-positive rates. Ability to understand APIs, integrations and data flows and to work effectively with Engineering and Data teams. Experience translating operational or regulatory needs into clear technical requirements. Strong ownership, autonomy and drive. The ability to challenge existing solutions and make evidence-based recommendations. Clear communication skills and the ability to work across technical and non-technical teams. Nice to have Experience implementing or migrating fraud or compliance platforms. Knowledge of payment flows, issuing, acquiring or e-money environments. Experience with Python or advanced data-analysis techniques. Experience with AI-enabled compliance tooling or workflow automation. Experience managing third-party technology vendors. Familiarity with Jira, Confluence and product-development practices. Reporting line You will report to the Head of Product within the GRC product service line, with a strong functional relationship to the Head of Compliance and close collaboration with Engineering, Data and Compliance Operations. Your first priorities During your first months, you will be expected to: Take over ownership of SEON and Featurespace current setup, rules, integrations and known issues. Revise the baseline for platform and alert performance. Improve the identification of false positives drivers and operational inefficiency. Revise and deploy the recalibration approach. Establish a sustainable feedback loop between Operations, Compliance, Product and Engineering teams. Produce a prioritised roadmap for the further development of Paynovate’s financial-crime technology. What We Offer An amazing job in a stimulating, profitable and fast-growing sector. Payment solutions is a complex and constantly evolving field, where innovation is key. A role where your impact will be tangible. We are a company of owners and believe in empowering people to their full potential. A team of talented, motivated and thoughtful individuals, coming together as one to fulfill a common goal – delivering smart, simple and innovative solutions to our clients. A dynamic environment full of growth and development opportunities. People are our greatest strength, and as an employer, we choose to deliver to you as much as you deliver to us. A modern and friendly working environment, where work-life balance is embedded as a structural part of the organisation (hello hybrid work!). And of course, a comprehensive and market-competitive salary package: 32 days holiday, reimbursement of public transports, meal vouchers, health and group insurance, phone, homeworking policy and allowance If you’re excited about this challenge and ready to make an immediate impact, we’d love to hear from you. Apply today at Paynovate!

Location: Brussels, Belgium WHY PAYNOVATE Paynovate is a Belgium-based fintech and regulated e-money institution with more than 80 employees. We provide payment solutions across Acquiring, Issuing and Payment Accounts. As we continue to grow, we are strengthening our Enterprise Risk Management framework and are looking for a Risk Officer to join our Risk team. This is an opportunity to work across a broad range of operational risk topics and contribute directly to the further development of our Risk framework YOUR MISSION As a Risk Officer, you will join our second line of defence and work closely with our Head of Risk to identify, assess and monitor operational risks across Paynovate. Your role will have two main areas of focus: Third-Party Risk Management / Outsourcing and Risk & Control Self-Assessments (RCSA). You will work with different teams to understand their processes, identify and assess risks, and challenge whether the right controls are in place and effective. You will contribute to the implementation and continuous improvement of our Enterprise Risk Management framework, while gaining broad exposure across Paynovate's activities. KEY RESPONSIBILITIES Support the implementation and review of Risk & Control Self-Assessments (RCSA) across Paynovate, working with business teams to understand their processes and identify and assess operational risks Assess inherent and residual risks, challenge the design and effectiveness of controls, and support the definition and follow-up of risk responses and remediation actions Contribute to Third-Party Risk Management and Outsourcing, including sub-outsourcing, in line with relevant EBA and DORA requirements. Perform third-party risk activities including criticality assessments, due diligence, monitoring and exit strategies, and assess the impact of third-party dependencies or service failures Work across the organisation with teams such as Operations, Finance, Product, Fraud/Financial Crime and IT/Security, while contributing to the continuous improvement of Paynovate's Enterprise Risk Management framework IS THIS YOU At Paynovate, we focus on positioning the right talent in the right roles, empowering our people to drive the business forward. We seek someone who: Has at least 3 years of relevant experience in Risk, Operational Risk, Internal Control, Third-Party Risk or a similar area within financial services Has a good understanding of risk and internal control principles and can analyse an end-to-end process, identify what could go wrong and assess how the risks are controlled Has a practical and analytical mindset, with good Excel skills including pivot tables, reconciliations and formulas/data analysis Is comfortable using tools to map and document processes and flows and has a very good level of professional English Is curious, structured and organised: you ask questions, dig deeper when something is unclear and can challenge stakeholders constructively while building effective working relationships WHAT WE OFFER A role in the fast-moving payments sector, with exposure to a broad range of activities and operational risk topics The opportunity to have a tangible impact and contribute to the further development of Paynovate's Risk framework The opportunity to work closely with and learn from an experienced Head of Risk, while collaborating with teams across the organisation A modern and flexible working environment, including hybrid work A comprehensive and market-competitive salary package, including 32 days of holiday, company car or mobility budget, meal vouchers, health and group insurance, phone, and homeworking allowance

Location: Worldwide Why Paynovate? Paynovate is a Belgium based fintech with more than 80 talented employees. We’re building a company where dreams are shaped, where bold initiatives are taken, where your leadership, ownership and ability to follow-through are valued. As a growing e-money institution, we are bringing payment solutions to the next level, and you could be a part of that. We are seeking a Trilingual (FR/DU/EN) Operations Administrative Officer on a contractor basis to ensure the accurate and timely execution of our merchant administration and onboarding processes. Your Mission As an Operations Administrative Officer , you will help keep our day-to-day acquiring and banking operations running smoothly. You will manage recurring administrative processes throughout the merchant lifecycle, from onboarding and contract verification to account updates and annual compliance reviews. Accuracy and consistency will be essential: you will carefully check information, follow established procedures and take action when something does not look right. You will work remotely while collaborating closely with our Operations team, where questions are encouraged, information is shared openly and daily touchpoints help everyone stay aligned. Key Responsibilities In this assignment, you will: Process merchant onboarding files , ensuring that all required contracts, supporting documents and business information are complete and accurate. Perform the necessary administrative checks , follow up on missing information and create or update merchant profiles across internal systems. Process changes throughout the merchant lifecycle , including updates to IBANs, company and merchant information, Merchant Category Codes (MCCs) and terminal locations. Handle merchant closures, deactivations and termination requests in line with the applicable procedures. Review settlement information and coordinate with the relevant internal teams to follow up on payment- or refund-related questions. Manage requests received through email and ticketing systems, contacting merchants or partners when additional information is required. Prepare and verify recurring operational reports and ensure that merchant information remains accurate and up to date across internal tools. Identify inconsistencies or potential issues and escalate them to the appropriate team when necessary. Collaborate closely with colleagues, partners and other departments to ensure administrative requests are handled accurately and on time. Is This You? For this assignment, we are looking for someone who: Has a first relevant experience in an administrative, back-office or operational position. Enjoys structured administrative work and can perform recurring tasks with consistency and care. Has strong attention to detail and is comfortable reviewing contracts, documents and data. Is reliable, organised and able to manage several requests while respecting procedures and deadlines. Follows rules carefully while applying logic and sound judgement when a situation requires further investigation. Takes ownership of their work, anticipates potential issues and communicates them proactively. Enjoys working as part of a close-knit team and is comfortable asking questions or requesting support when needed. Can communicate professionally in French, Dutch and English . Is comfortable using standard office tools and learning internal systems and processes. Is comfortable working independently in a fully remote setup while staying closely connected with the team. What We Offer A contractor assignment in a stimulating, profitable and fast-growing sector. Payment solutions is a complex and constantly evolving field, where innovation is key. A role where your impact will be tangible. We believe in empowering people to take ownership and reach their full potential. The opportunity to collaborate with a team of talented, motivated and thoughtful individuals, coming together as one to fulfil a common goal – delivering smart, simple and innovative solutions to our clients. A dynamic environment where you can further develop your administrative and operational expertise. A fully remote setup . If you’re excited about this new challenge, we’d love to hear from you. Apply today at Paynovate!

Location: Versailles, France About Paynovate Paynovate is a Belgium-based fintech, with branches in France and the UK, and 80+ talented colleagues, on a mission to make payments smarter, safer, and simpler. As a licensed e-money institution, we deliver payment solutions that meet the highest compliance standards, and we’re scaling fast. We’re building a place where bold ideas are welcome, ownership is rewarded, and results matter. If you want to put your investigative skills and judgement to work on complex financial crime challenges, read on. Your mission As a Transaction Monitoring Analyst within Paynovate’s Second Line of Defence , you will help safeguard the integrity of our French payment activities. With a focus on a dedicated portfolio of partners, you will support timely and thorough transaction reviews, combining a responsive approach with independent, risk-based judgement. Based in Versailles, you will join our Compliance Manager in France and work closely with our Belgian Compliance team. Together, you will support informed, consistent compliance decisions and build trusted working relationships with our partners. What you'll do Investigate complex or sensitive KYT cases across our French activities, analysing transaction flows, customer profiles and supporting evidence to identify unusual patterns and potential AML/CFT risks. Conduct enhanced examinations where needed, retrieving information from internal systems and gathering additional evidence to resolve gaps or inconsistencies. Manage cases proactively, coordinating with relevant teams and following up on missing information to ensure timely, thorough reviews. Make independent, risk-based decisions on transaction validation and the release of blocked funds within your delegated authority, escalating concerns or cases requiring further review. Proactively gather relevant information across internal systems and external partners to support thorough investigations. Maintain clear, complete and traceable records of investigations and decisions, and communicate findings to management and the French and Belgian Compliance teams. Act as a trusted compliance contact for partners on transaction monitoring matters, clarifying information requirements and providing clear updates to support effective case resolution. Is this you? At Paynovate, we focus on positioning the right talent in the right roles, empowering our people to drive the business forward. We seek someone who: Brings solid hands-on experience in KYT, transaction monitoring or AML investigations , with the autonomy and judgement to handle complex cases. Has worked within a fintech, e-money institution, bank or comparable financial services environment, ideally with experience in a growing or scale-up organisation. Understands AML/CFT principles and applies a risk-based approach to transaction analysis. Goes beyond standard checks, asking relevant questions, challenging assumptions and connecting transaction data with supporting evidence. Makes well-supported decisions and knows when to involve colleagues or seek further expertise on complex cases. Communicates clearly and constructively with management, colleagues and external partners, including when explaining complex findings or requesting further evidence. Is comfortable using transaction monitoring tools and learning internal systems; familiarity with SEON is a plus. Speaks and writes fluent French and English . What We Offer A permanent contract (CDI), based in Versailles , within our French team. An amazing job in a stimulating, profitable and fast-growing sector. Payment solutions is a complex and constantly evolving field, where innovation is key. A role where your impact will be tangible. We are a company of owners and believe in empowering people to their full potential. A team of talented, motivated and thoughtful individuals, coming together as one to fulfil a common goal - delivering smart, simple and innovative solutions to our clients. A dynamic environment full of growth and development opportunities, where your career could take its next major turn. People are our greatest strength, and as an employer, we choose to deliver to you as much as you deliver to us. A modern and friendly working environment, where work-life balance is embedded as a structural part of the organisation. And of course, a comprehensive and market-competitive salary package. If you’re excited to help make payments safer and bring sound judgement to complex investigations, apply now and let’s build something great together.