Technical Transaction Analyst

Wagestream is on a mission to bring better financial wellbeing to frontline workers.

We partner with some of the world's most famous employers, like Bupa, Burger King, Greene King and the mighty NHS to give their teams access to fairer financial services - all built around flexible pay. Over three million people can now choose how often they're paid, track their shifts and earnings, start saving, use budgeting tools, get free financial coaching, and access fairer financial products. All in one financial wellbeing super-app.

Wagestream is unique: VC-backed and growing at scale-up pace, but with a social conscience. Some of the world's leading financial charities and impact funds were our founding investors, and we operate on a social charter - which means every product we build has to improve financial health and reduce the $5.6bn 'premium' lower-income earners pay for financial services each year.

You'd be joining a team of over 200 passionate, ambitious people, across Europe and the USA, building a category-leading fintech product and all united by that same mission.

The Opportunity:

We're looking for a Technical Transaction Analyst to help us manage consumer finance card products within the regulated side of our business. This hands-on role offers the opportunity to work at the intersection of technology and operations, leading on the triage, analysis and improvement of our transaction processes, to deliver better customer outcomes. If you thrive in a data-driven environment where your technical and analytical skills can directly influence operational success, we'd love to hear from you.

What will you be doing?

• Investigate and resolve unsettled transactions for consumer card products.
• Act as the main point of contact for our card network, issuer and processor, resolving issues and ensuring upcoming requirements are met.
• Process refunds, reversals, and adjustments.
• Investigate potentially fraudulent transactions and collaborate with FinCrime and AML teams on suspicious activity.
• Analyse raw transaction data using SQL and 3rd party tools to resolve operational or compliance issues.
• Partner with engineers and operations teams to improve transaction processes and ensure the right controls are in place.
• Strive to reduce the Mean Time to Resolution (MTTR) for transaction-related issues.

What experience might you have?

• Previous experience working within the consumer card ecosystem.
• 2+ years in a similar role (e.g., Transaction Analyst, Payment Operations Specialist, or FinCrime Analyst).
• Comfortable working directly with data and interacting with 3rd parties such as Visa, TPL, and Marqeta.
• Ability to interpret complex transaction data, identify patterns, and troubleshoot financial discrepancies.
• Experience in resolving technical, operational and compliance-related transaction issues.
• Familiarity with payment systems, financial settlements, and transaction lifecycles.
• Understanding of FinCrime, AML, and regulatory compliance standards.
• Strong Excel, SQL and data visualisation skills.
• Excellent communication and stakeholder management.
• Ability to manage multiple tasks while maintaining attention to detail.

Salary: Dependant on experience, from £45,000 - £55,000+ bonus & equity

Working Policy: Hybrid, with three office days per week.

Benefits:

• 25 Days Annual Leave in addition to public holidays (up to 5 day rollover), as well as flexible time off allowances for any ad-hoc childcare/family/caring needs.
• 10 days Annual Leave Buy-Back scheme - for if you'd like some additional time off.
• 12 weeks paid Maternity Leave and 4 weeks paid Paternity Leave for employees with over 12 months service.
• Special Leave for In Vitro Fertilisation (IVF) and other fertility treatments.
• Salary sacrifice to pension, as well as bonus exchange to Pension: reap even more rewards of any bonus by paying into your pension & save on Tax and NI + added compound growth.
• The best benefit of all, access to Wagestream!
• Access to Salary Sacrifice Scheme - Ben -THE Benefits marketplace. Choose the benefits you want, when you want. Pay less tax, receive more value.

Additional:

• Additional Pension Payments.
• Workplace nurseries.
• Cycle to Work.
• Gym memberships.
• Medical or Life Insurance.
• Healthcare cash plans, etc.

At Wagestream we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our product and our community to flourish. Wagestream is an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity/expression, or veteran status.