Operations Analyst (Remote - Work from Anywhere) in Gibraltar

Work from anywhere, impact everywhere. Diversity is at the heart of who we are at Xapo Bank. We’re a fully distributed team of over 150 Xapiens that work remotely from 30+ countries around the world. Our beginning: A world that enjoys economic freedom and wealth protection, no matter where you live or who is running your country. To achieve that, we search the world for the best people for the job. We work hard, think globally, and inspire each other to learn and grow. We are committed to changing the way things are done. Although we are headquartered in Gibraltar, this is a full time, 100% remote position.

Position overview: This role is part of the Operations team, contributing to work streams such as payments execution, reconciliations, general back office, and cards operations. As an Operations Analyst, you will develop expertise in our systems and operational processes. This position requires strong teamwork and collaboration, as interaction with other teams is a core function of the role. A positive and collaborative attitude is essential for success. Flexibility is central to our team's ethos; you will be expected to adapt to changing assignments and rotating responsibilities. A key part of this role is understanding our holistic operating model—both internally (how teams and departments interact) and externally (our position in the fintech/crypto/banking space and our interactions with other players).

Key Responsibilities

• Payments Operations: Troubleshoot and resolve issues related to customer transactions. Perform daily or weekly payments to vendors or business partners.
• Reconciliations: Manage transaction statements to perform reconciliations of company assets. Carry out controls to ensure financial data quality, completeness, and integrity, providing support to the Finance team.
• Cards: Monitor transaction processing, including authorizations and settlements. Manage debit card transaction disputes and fraud claims. Assist the Customer Support team with customer inquiries.
• Back Office: Assist with various operations‑related tasks, ensuring the timely completion of all related activities.
• Project Participation: Contribute to ad hoc tasks and projects with a flexible and proactive attitude.
• Process Improvement: Develop, maintain, and improve operational policies, processes, and procedures to enhance efficiency.
• Internal Controls: Identify, propose, and document enhancements to processes and internal controls to align with industry best practices.

1-3 years of relevant experience in an Operations department, ideally from a bank, fintech, or financial institution. Bachelor's degree or equivalent in Business Administration or a related field. Proven experience in at least one of the following: payments, banking, financial reconciliation, or card disputes. Strong work ethic with the ability to prioritize and manage multiple tasks in a dynamic environment. Excellent communication skills (fluent in written and spoken English). Strong analytical and problem‑solving abilities. Data‑oriented mindset with advanced Excel or database skills and high attention to detail. A keen interest in technology and cryptocurrencies. Ability to work with minimal supervision. Must be organized, proactive, and a self‑starter. A problem‑solving attitude with a focus on integrating solutions into daily workflows.

Preferred Experience with Tools

• Finastra or other Core Banking Platforms
• G‑Suite, Slack, Zoom
• Mastercard Connect, VISA Online

Other requirements

• A dedicated workspace.
• A reliable internet connection with the fastest speed possible in your area.
• Devices and other essential equipment that meet minimal technical specifications.
• Alignment with Our Values and the Xapo Values‑Driven Leadership principles.

Why work for Xapo?

• Impact Globally, Work Remotely: Shape the Future Improve lives through cutting‑edge technology, work 100% remotely from anywhere in the world.
• Great work‑life balance: Build amazing things with a balance of autonomy and collaborative teamwork. Set your own work schedule and make use of a flexible PTO plan when you need to recharge.
• Expect Excellence: Collaborate, learn, and grow with a high‑performance team. Learn how you learn best - from books to conferences, you’ll get a yearly budget for your individual learning and development goals.

At Xapo, we prioritize consumer protection and adhere to regulatory requirements by ensuring that all Xapiens are accountable for upholding principles of fair treatment, transparency, and ethical conduct in their interactions with customers and stakeholders.