Payment Transaction Monitoring Specialist

Payment Transaction Monitoring Specialist at paytech in Limassol (on-site). End-to-end monitoring of payment activity for priority accounts. Competitive salary and performance bonuses.

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

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

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