Accelerated Payments Limited
Operations Associate
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Location: Ireland or United Kingdom
Reporting Line: Head of Operations
Employment Type: Full-time
Hours: 09:00–17:30 GMT (occasional work on certain bank holidays may be required)
Work Location: Remote, with occasional attendance at Head Office for key events, team collaboration, and training.
About Accelerated Payments
Accelerated Payments is a leading provider of selective invoice finance solutions in the UK and Irish markets, helping businesses unlock cash tied up in invoices and improve working capital.
Since launching in 2017, we have funded over 220,000 invoices, advanced more than €2.5 billion in funding, and supported clients across more than 40 countries. Our technology-driven platform enables businesses to access fast, flexible funding while maintaining control over which invoices they choose to finance and when.
We specialise in domestic and international receivables finance, supporting businesses ranging from high-growth SMEs to established mid-market companies. Our solutions are designed to complement existing banking arrangements and funding facilities, giving clients greater flexibility and access to working capital when they need it most.
As we continue to grow, we are looking for talented individuals who want to build a career in financial services, fintech, and invoice finance while helping businesses achieve their growth ambitions.
Role Summary
Accelerated Payments is seeking a highly motivated Operations Associate to join our growing Operations team. This role sits at the heart of our invoice finance business and is responsible for ensuring the smooth, accurate, and compliant execution of operational processes across client onboarding, invoice funding, payment processing, reconciliations, and client servicing.
The successful candidate will gain extensive exposure to invoice finance, receivables funding, and working capital solutions, making this an excellent opportunity for someone looking to develop a long-term career within financial services, fintech, trade finance, or operations.
Working in a fast-paced and highly collaborative environment, you will engage daily with clients, debtors, banking partners, and internal stakeholders across multiple jurisdictions. You will play a key role in helping businesses access funding quickly and efficiently while ensuring all operational, compliance, and settlement activities are completed to the highest standard. Success in this role requires exceptional attention to detail, strong organisational skills, a proactive mindset, and a genuine interest in understanding how invoice finance products support business growth and cashflow management.
Key Responsibilities
- Client Onboarding, KYC, CDD & AML
- Manage the end-to-end onboarding of new clients to ensure a timely, compliant, and efficient experience.
- Conduct KYC and Customer Due Diligence checks for new clients and debtors.
- Review and verify onboarding documentation, including identification documents, bank statements, and supporting information.
- Perform ongoing AML monitoring and investigations in accordance with regulatory requirements.
- Maintain accurate KYC and AML records, ensuring compliance with internal policies and regulatory obligations.
- Conduct Enhanced Due Diligence reviews for high-risk clients where required.
- Identify and escalate politically exposed persons (PEPs), adverse media findings, and other risk indicators.
- Liaise with clients and stakeholders to obtain outstanding information and documentation.
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Invoice Processing & Client Operations
- Support the processing and funding of client invoices through the Accelerated Payments platform.
- Review debtor information and supporting documentation to support funding decisions.
- Validate invoice details and supporting evidence before funding or notification.
- Liaise with clients and debtors to resolve operational queries and ensure smooth processing.
- Train and support clients in the effective use of the online platform.
- Maintain accurate records, audit logs, and operational documentation.
- Assist in the creation and maintenance of Standard Operating Procedures (SOPs).
- Manage invoice-related communications via email and telephone.
- Investigate and resolve discrepancies efficiently, escalating where appropriate.
- Work closely with Sales, Compliance, and Management teams to deliver an exceptional client experience.
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Payment Processing & Settlements
- Manage daily reconciliations across multicurrency client collection accounts.
- Allocate incoming funds accurately to the relevant invoices and transactions.
- Liaise with clients regarding reconciliations and payment allocations.
- Communicate with banking partners regarding settlements, account activity, and operational queries.
- Monitor available funds and support invoice purchasing activities.
- Execute invoice funding transactions and ensure settlements are completed within bank cut-off times.
- Perform transaction calculations and prepare supporting reports for management approval.
- Produce regular operational and client reporting.
- Maintain settlement instructions and payment records in line with internal controls.
- Manage the operations mailbox and ensure timely responses to client and stakeholder queries.
- Track invoice due dates and undertake soft collections activity where required.
- Prepare transaction, reconciliation, and delinquency reports for senior management.
- Process non-funded payments accurately and in accordance with established procedures.
Qualifications & Experience
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Essential Experience
- 1–3 years' experience in Operations, Client Operations, Financial Services, Payments, Settlements, Fintech, Banking Operations, or a similar role.
- Experience working with KYC, CDD, and AML processes.
- Experience in payment processing, reconciliations, cash management, or multicurrency environments.
- Strong client-facing communication experience via email and telephone.
- Excellent attention to detail and ability to work accurately in a regulated environment.
Preferred Experience
- Experience within invoice finance, factoring, receivables finance, asset-based lending, trade finance, banking, or fintech operations.
- Understanding of working capital solutions and how invoice finance facilities operate.
- Experience working in a startup, scale-up, or rapidly growing business.
- Experience collaborating with Sales, Compliance, Risk, and Finance teams.
- Experience supporting international clients or cross-border financial transactions.
Education
- Bachelor's degree in Business, Finance, Accounting, Economics, or a related discipline (or equivalent experience).
- AML or Compliance qualifications (e.g., ACAMS) are advantageous but not essential.
Skills
Technical Skills
- Advanced Excel skills, including VLOOKUP/XLOOKUP, Pivot Tables, reconciliations, and financial reporting.
- Strong numerical and analytical capabilities.
- Experience using CRM, onboarding, compliance, or financial systems.
- Ability to produce accurate reports and analyse operational data.
- Comfortable working with multicurrency financial processes.
Professional Skills
- Exceptional attention to detail and accuracy.
- Strong organisational and time management skills.
- Excellent written and verbal communication abilities.
- Ability to manage multiple priorities and meet deadlines.
- Strong problem-solving and critical-thinking skills.
- Ability to handle sensitive and confidential information with discretion.
- Customer-focused approach with a commitment to service excellence.
Behavioural Competencies
- Proactive & Solutions-Oriented: Anticipates issues, takes ownership, and drives outcomes.
- Adaptable: Thrives in a fast-paced environment and responds positively to change.
- Customer-Focused: Committed to delivering an excellent client experience at every stage of the funding journey.
- Resilient Under Pressure: Maintains professionalism, accuracy, and attention to detail when managing competing priorities.
- Collaborative: Builds strong working relationships with colleagues, clients, debtors, and external partners.
- Continuous Improvement Mindset: Identifies opportunities to enhance processes, controls, and operational efficiency.
- Critical Thinker: Uses data, judgement, and commercial awareness to support informed decision-making.
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