The Company
Founded in 2015, ExpenseIn set out to make expense management easier and less frustrating, replacing time-consuming, paper-based processes with a smarter, faster solution. As we grew, we introduced new modules like invoice management, carbon reporting, and volunteer expense claims - all designed to save businesses time and hassle.
Today, we help companies in over 50 countries process more than a million expenses every month. In January 2025, we were acquired by AccountsIQ and are now part of the AIQ Group. Alongside AccountsIQ, a cloud-based financial management platform, we continue to innovate and scale, helping businesses take control of their finances with smarter, more connected solutions.
The Role
In this varied role, you'll be responsible for operating and supporting ExpenseIn's payments ecosystem, ensuring payment operations are delivered securely, accurately and in compliance with regulatory and scheme requirements. Your understanding of the end-to-end payments lifecycle (from customer onboarding through to card issuing, outbound payments, reconciliation and settlement) will enable you to deliver an exceptional service to customers and internal stakeholders. You'll work closely with internal teams and third-party payment partners to ensure the continued reliability and improvement of our payment services.
What you'll be doing:
- Work as part of the Payments Operations team to deliver secure, accurate and efficient payment services, providing subject matter expertise and a high-quality service to internal teams and customers.
- Ensure payment operations are carried out in line with regulatory requirements, scheme rules and internal policies, including FCA requirements, PCI DSS, AML considerations and operational risk controls where applicable.
- Monitor Faster Payments, SEPA and card issuing activity to ensure transactions are processed accurately, securely and within agreed service levels.
- Support the day-to-day operation of ExpenseIn's card issuing programme, including card lifecycle management, transaction monitoring, fraud reporting, customer queries and operational escalations.
- Act as a point of contact for customer payment escalations, investigating payment enquiries, failed transactions, refunds, fraud concerns, reconciliation issues and other payment exceptions through to resolution.
- Perform daily payment reconciliations, monitor settlement processes and investigate discrepancies, unusual activity or exceptions with internal teams, banking partners and third-party payment providers.
- Monitor the operational health and performance of payment services, proactively identifying, investigating and resolving incidents or service issues with internal teams and external payment partners.
- Maintain accurate operational records, reporting and documentation to support internal controls, service performance monitoring, audit requirements and continuous improvement activity.
- Prepare and review operational reports on payment performance, service levels, exceptions and trends, using insights to improve processes, customer experience and operational efficiency.
- Work closely with Product and other internal teams to review customer feedback, communicate improvement opportunities and perform user acceptance testing for payment-related enhancements.
What you'll need:
- Minimum of two years' experience in Payments Operations, card issuing, FinTech or financial services.
- Strong understanding of payment systems, including card issuing, Faster Payments, SEPA, Visa and Mastercard scheme operations.
- Good understanding of relevant regulatory and compliance requirements, including payment security principles, PCI DSS and operational risk controls.
- Experience working with payment platforms, APIs and transaction data to investigate payment exceptions, transaction failures and operational issues.
- Strong analytical and problem-solving skills, with the ability to interpret transaction data, identify root causes and resolve operational issues accurately.
- Excellent communication skills, with the ability to work effectively with customers, internal stakeholders and third-party providers.
- Experience working in a fast-paced operational environment where accuracy, prioritisation and attention to detail are essential.
- Customer-centric approach, with the ability to balance service quality, operational control and compliance requirements.
- Experience working with payment processors, issuer processors or banking APIs would be an advantage.
- Knowledge of UK and international payment schemes, including SWIFT, CHAPS and BACS, would be beneficial.
- Experience working in an FCA-regulated environment, or with fraud detection and prevention in card issuing or payment operations, would be an advantage.
- Experience improving operational processes through systems integration, business process optimisation or digital banking platforms would be beneficial.
What's the hiring process?
- An initial video call with our People team to discuss your application, motivation for the role, relevant experience, right to work, notice period and salary expectations. This is also an opportunity for you to ask any initial questions about ExpenseIn, the role and the hiring process.
- You'll meet with our Payments Manager and Head of Service Delivery to discuss your experience, understanding of payments operations and suitability for the role. As part of this stage, you'll complete a short presentation task designed to help us understand how you approach payment scenarios, problem-solving, customer impact and operational risk. This interview will also include competency-based questions linked to the role.
- We may arrange a final interview if further discussion would be helpful before making a decision. This will be a further opportunity to explore your experience, ways of working and alignment with the role and team.
When is the application closing date?
Tuesday 21st July at 5pm
Why work with us?
AIQ Group is a multi-product SaaS business, bringing together ExpenseIn and AccountsIQ, and recently ranked #477 in the Financial Times FT1000 list of Europe's fastest-growing companies in 2026.
As a forward-thinking and collaborative organisation, we combine drive, energy and ambition with a supportive, down-to-earth culture that enables people to do their best work. Our TEAM values (Together, Energy, Action, and Mindset) sit at the core of how we work and grow as a business.
Following a €60M investment in 2024, it's an exciting time to join the group as we continue to scale, enhance our products, and elevate the service we provide to our customers.
Some of our perks
- 28 days annual leave + bank holidays + your birthday off
- Hybrid working from London or Dublin offices
- Working from abroad - up to 6 weeks per calendar year
- Private Health Insurance
- 5% Pension contribution
- Life Assurance - 4 x Salary
- Income Benefit
- Wellbeing initiatives
By submitting your application, you agree that AccountsIQ Group may collect your personal data for recruiting, global organisation planning, and related purposes. AccountsIQ Group's Privacy Notice explains what personal information we may process, where we may process your personal information, our purposes for processing your personal information, and the rights you can exercise over AccountsIQ Group's use of your personal information.
