Murmuration
Payments Integration Specialist
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The Role
As a Payments Integration Specialist, you'll own how money moves through Murmuration. Reporting to the Chief Technology Officer, you'll design and build the integrations to UK payment schemes, card processors, and the CBS that the platform depends on, and make sure every transaction is accurate, reconciled, and compliant.
About Murmuration
Murmuration is a new technology company building the core platform that credit unions run on. We provide the software, payments, and data infrastructure that lets a credit union offer its members modern digital banking without having to build or run the technology itself.
Credit unions are member-owned and rooted in their communities, but many still operate on systems that are decades old, which limits what they can offer their members. We're building the alternative.
We're a new company, putting our platform and our first engineering team in place now, with the backing of an established group. For people who join early, that means a real say in the product, the architecture, and how the company works.
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What you'll be doing
- Design and build integrations to UK payment schemes and rails (Faster Payments, Bacs, Direct Debit, CHAPS), card processors, and Open Banking providers
- Integrate the platform with the CBS, payment gateways, and third-party financial services via their APIs
- Own the payments data model, reconciliation, settlement, and exception handling, so the numbers are accurate and auditable
- Meet PCI-DSS, scheme rules, and FCA/PSR requirements, working closely with risk and compliance
- Build solid error handling, retries, idempotency, and monitoring into payment flows
- Work with payment scheme bodies, sponsor banks, and processors on technical onboarding and certification
- Help define the payments architecture and standards as one of the first engineers in the team
- Support live payment operations, including investigating and resolving production issues
What you'll bring to Murmuration
- Strong hands-on experience building payments integrations in a fintech, bank, processor, or PSP
- Practical knowledge of UK payment schemes (Faster Payments, Bacs, Direct Debit, CHAPS) and/or card processing and Open Banking
- Experience integrating with core banking systems and payment APIs
- A good understanding of reconciliation, settlement, and what it takes to move money reliably
- Familiarity with PCI-DSS and the regulation around payments (FCA/PSR)
- Strong software engineering skills, with care for reliability, accuracy, and security
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Standout candidates will also...
- Direct experience with credit unions, building societies, or other community finance providers
- Experience leading a payment scheme onboarding or a card processor certification
- Experience with Open Banking / PISP integrations
- Experience working with core banking platform providers
Benefits
- Salary of £70,000 – £85,000 depending on experience
- 30 days holiday per year plus Bank Holidays
- Hybrid working from our Manchester office
- Company pension scheme
- An early, hands-on role building a new platform and team
- Structured career path with support for ongoing learning and development
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