Banking Operations Specialist (f/m/d)

ABOUT LEMON.MARKETS 🍋 We enable anyone to be an investor. Our mission is to grow investing opportunities for all European customers and businesses. By empowering FinTechs, banks, and wealth managers to offer investment products, we help create financial well-being for their customers. lemon.markets is a Brokerage-as-a-Service platform: simple digital access to capital markets through a single API. Our API-first infrastructure abstracts brokerage complexity with a well-documented API, a self-service customer operations portal, and a clear regulatory framework, so partners can launch customer-centric, compliant products in weeks, not months. As part of the dwpbank Group, we share a clear goal: we enable anyone to be an investor by making investing in capital markets more accessible. By combining dwpbank’s long-standing expertise and stability with lemon.markets’ technology-first mindset and speed, we are building a modern, modular securities services ecosystem. Together, we offer faster time-to-market, modular services, and a modern customer experience that helps financial service providers stay competitive and respond more flexibly in a changing market. YOUR MISSION As our Banking Operations Specialist, you’ll own the daily “money movement” engine end to end and help us build the function from the ground up. You’ll run payment cycles, reconcile bank activity every day, and ensure every bank transaction lands correctly in the ledger using clean double-entry logic. When something doesn’t match, you’ll bring calm structure: investigate quickly, document what you did and why, resolve the root cause, and put guardrails in place so the same issue is less likely to happen again. You’ll also partner closely with Product and Engineering to improve tooling and automation, so the operation becomes more reliable, easier to run, and progressively less manual. As the company grows, this role is designed to expand in scope. If we build a larger operations team over time, you’ll have the opportunity to step into leadership responsibilities, shaping processes, hiring/training new team members, and setting the operational standard for how banking ops runs at scale. IN THIS ROLE YOU WILL: - Execute daily payment runs: you prepare payments, perform checks/controls, and manage release/approval steps. - Keep payment routing correct end-to-end: you ensure the right rails/providers/bank accounts are used and flows are handled cleanly. - Resolve payment exceptions: you monitor statuses and work through rejects/returns/failed payments with clear tracking and follow-through. - Run daily bank reconciliations: you reconcile bank statements vs. internal systems and ledger postings; investigate breaks and drive root-cause fixes. - Ensure ledger-accurate double-entry postings: you perform/validate bank-related bookings (clearing accounts, cut-offs, balancing logic; accruals where relevant) and keep them traceable. - Improve processes and controls: you strengthen SOPs, checklists, evidence standards, and handovers to reduce risk and manual work. - Partner with Product/Engineering on tooling: you turn operational needs into improvements (reporting, reconciliation logic, payment tooling, alerting/monitoring). YOU’LL BE SUCCESSFUL IN THIS ROLE IF YOU HAVE: - Relevant ops experience: you have 5+ years in Banking Ops, Payments Ops, Finance/Accounting Ops, Treasury Ops, or similar, ideally within a regulated environment. - Payments execution experience: you’ve run payment operations end-to-end, including exception handling (rejects/returns/failed payments). - Reconciliation and investigation skills: you are hands-on when it comes to daily reconciliations, structured break analysis, and thoughtful root-cause resolution. - Strong accounting and ledger foundation: you are confident with double-entry applied to bank flows, clearing accounts, balancing logic, and cut-offs. - High accuracy and audit-ready documentation: you’re detail-oriented, dependable, and consistent...