Payment Transaction Monitoring Specialist

🧷 Position: Payment Transaction Monitoring Specialist 📍 Location: Limassol | Hybrid ⚡️ 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. This role sits close to the actual transaction flow: understanding why payments succeed or fail, spotting patterns across issuers and BINs, identifying routing or technical issues, and helping optimise payment performance at customer level. 🧩 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 🗒 Requirements: 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 🎁 What We Offer: - 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 - Wolt+ and lunch allowance - Full work-permit support