At a Glance
- Tasks: Design and build integrations for UK payment schemes and ensure accurate transactions.
- Company: Join Murmuration, a pioneering tech company transforming credit union banking.
- Benefits: Enjoy a competitive salary, 30 days holiday, hybrid work, and a pension scheme.
- Other info: Great career growth opportunities and a chance to influence product development.
- Why this job: Be part of a new team shaping the future of digital banking.
- Qualifications: Experience in payments integration and knowledge of UK payment schemes required.
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.
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
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
- 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
Payments Integration Specialist in Manchester employer: Murmuration
Murmuration is an exceptional employer that fosters a dynamic and innovative work culture in the heart of Manchester. With a strong focus on employee growth, you will have the opportunity to lead cutting-edge projects in financial technology while enjoying a competitive salary and a hybrid working model that promotes work-life balance. Join us to make a meaningful impact in a rapidly evolving industry, surrounded by a supportive team dedicated to your success.
StudySmarter Expert Advice🤫
We think this is how you could land Payments Integration Specialist in Manchester
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Murmuration. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Payments Integration Specialist in Manchester
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Murmuration.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Murmuration's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Murmuration
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Murmuration.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Murmuration will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Murmuration employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
