---
title: 'Payment Operations Lead (Remote - Work from Anywhere) at Xapo Bank'
canonical: 'https://feeny.ai/job/payment-operations-lead-remote-work-from-anywhere-xapo-bank-gibraltar-78tykxb9njtd'
type: 'job'
last_seen: '2026-09-10'
---

# Payment Operations Lead (Remote - Work from Anywhere) at Xapo Bank

- **Company:** Xapo Bank
- **Location:** Gibraltar
- **Work type:** remote
- **Posted:** 2026-09-08
- **Last confirmed live:** 2026-09-10
- **Apply:** https://job-boards.greenhouse.io/xapo61/jobs/7986308003

## Job description

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 160 Xapiens that work remotely from 50+ 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 Work from anywhere!

Position overview

The main responsibility of the Payment Operations Lead is to guarantee the “end-to-end” execution of all payment related activities to ensure all internal and external parties receive timely, accurate, and complete delivery of services to a high standard, within the frame of the payments execution and authorization policies.

The Payment Operations lead is a key member of the organisation: proactiveness, accountability, leadership and ownership are some of the attributes the person should be equipped with to succeed in the position.

It is expected the individual in this position organises the workload of the team, motivating payments analysts to reach objectives. It is expected as well to have a very good understanding of Xapo products and the operational processes related to them.

The Payments Operations Lead is usually leading or participating in cross-functional work groups and projects for improving or building processes.

Also will be a point of contact with banking or related partners to deal with operational matters such as investigations, exchanges of information, submission of forms and management of banks portal users.

## Responsibilities

- Organise the Payments team workload
- Guarantee a smooth Payments execution, making sure SLAs are met.
- Supervising and motivating the work of the Payments Analysts, maintaining an ongoing communication to ensure the operation, making sure organisational and team's vision and goals are followed
- Managing the operational relation with external partners
- Be the voice and represent the Payments team in the SATs (strategic aligned teams) instances. Make sure communication with other teams is fluent generating the spaces or means for teams to interact better so efficiencies are obtained
- Developing, maintaining, improving and implementing policies, processes, and procedures
- Identifying, proposing and documenting processes and internal control improvements to help to achieve best industry practice
- Monitor and collect transactional metrics to understand payment performance, issues, and areas of improvements.
- Inquiries-exception handling and resolution as needed, within agreed upon internal SLAs
- Liaising with internal or external audits to provide operational information requested
- Maintain an ongoing communication with stakeholders to understand business needs, identifying and pushing proactively for solutions or improvements in processes and systems
- Collaborating with identifying and fixing technical and informational issues
- Continuous communication with stakeholders to guarantee a smooth operation
- Monitoring system's behaviour to ensure an ongoing inflow and outflow of information, reporting a case if something is not working as expected
- Trace and control financial services provider’s charges, fees or costs
- Publishing team and operating performance metrics to be consumed by the Management

## Skills needed

- Consolidated relevant experience working in Operations departments, ideally from a bank, fintech, payments or any finance-related institution
- Bachelor's degree or equivalent in Business Administration or a related field
- Very good understanding of correspondent banking, cross border and local payments systems
- Very good understanding of crypto payments
- Direct exposure to payment processes in either domestic or cross border payments - experience in crypto payments execution is a plus
- Team player and moreover, team-builder
- Strong work ethics, ability to prioritise, manage multiple tasks and execute in a dynamic environment.
- Systems oriented. Good understanding of back and front bank systems, operation and integration to other tools.
- Very good communication skills. Ability to read, write and speak fluent English
- Strong analytical and problem-solving skills
- Data oriented. Advanced excel or database skills. High attention to details.
- Interested in technology and cryptocurrencies
- Must be able to work with minimal supervision
- Organised. Proactive. Self-starter
- Keen on problem-solving and an attitude to adopt solutions into our daily ways-of-working
- Nice to have experience in some of these tools: Jira, Confluence, Miro, Trello, Finastra, any Core Banking Platform, Excel, G-Suite, Slack, Zoom

Other requirements

- A dedicated workspace.
- A reliable internet connection with the fastest speed possible in your area.
- 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.

## About Xapo Bank

## Company Overview
- **One-liner**: Xapo Bank is the world’s first fully regulated Bitcoin-enabled bank, integrating traditional banking with Bitcoin to let users secure, spend, and grow their wealth.
- **Entity Type**: Private (Series A)
- **Headquarters**: Gibraltar
- **Founded**: 2013 (founded as a Bitcoin wallet/custodian); 2014 (formal incorporation as a bank)
- **Founders**: Wences Casares (founder of Xapo; also founded Lemon Wallet and was an early Bitcoin advocate)

## Core Business
- **Primary Industry**: Financial Services (crypto-native banking, Bitcoin custody, fiat banking)
- **Target Customers**: B2C (individuals seeking to hold, spend, and earn interest on Bitcoin and USD), with a focus on high-net-worth and retail Bitcoin holders
- **Mission or Purpose**: "To provide our members with the best crypto-native banking experience that is secure, accessible and flexible. Because we believe that financial security is a right, not a privilege, and should be within reach of every individual."

## Products & Services
- **Xapo Bank Account**: A regulated bank account that combines a USD fiat account (with deposit guarantee up to GBP 120,000) with a Bitcoin wallet. Users can earn up to 4% APY on USD deposits and compounding returns in Bitcoin on both USD and BTC balances.
- **Bitcoin Custody & Vault**: Triple-layered security including underground vaults (physical), MPC (multi-party computation) technology, and tailored personal access. Bitcoin is held in a 1:1 reserve, segregated from corporate funds, and never rehypothecated.
- **Global Payments**: Send, spend, and receive money in major currencies (USD, EUR, GBP) 24/7 with no FX fees via international payment networks and blockchain rails.
- **Institutional Services**: Dedicated relationship managers, segregated custody, and transparency reports for high-net-worth individuals and institutional clients.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (private company)
- **Key Metric**: Total Funding of **$40M** (Series A); annual revenue not publicly available
- **Notable Investors/Partners**: Greylock Partners (led Series A), with additional support from other venture investors; audited by a Big 4 firm; regulated by the Gibraltar Financial Services Commission (GFSC)
- **Growth Signals**: 110 employees (+7% YoY), operating in 38 countries, with a global remote workforce spanning 50+ countries. The company has been profitable and operational for over a decade (since 2013). Recent hiring for VP of Customer Success, Software Engineers, and Investment Manager indicates continued expansion.

## Competitive Advantages
- **First-Mover & Regulatory Moat**: The first Bitcoin-enabled bank to be fully regulated (GFSC) and compliant with AML/KYC standards, providing a clear legal framework for both fiat and digital assets.
- **Zero-Lending-Risk Model**: Bitcoin is held in a 1:1 reserve, never lent out or rehypothecated, removing fractional reserve risk.
- **Institutional-Grade Capitalization**: Ultra-conservative balance sheet with a Core Equity Tier 1 Capital Ratio of 1663% and a Liquidity Coverage Ratio of 167%, far exceeding international requirements.
- **Proven Security**: Over a decade of secure Bitcoin custody with no major breaches, combining physical vaults and advanced MPC technology.

## Strategic Focus
- **Deepening the Crypto-Native Banking Experience**: Integrating traditional banking rails (USD accounts, debit cards) with Bitcoin to make it a daily-use asset.
- **Global Expansion**: Operating in 38 countries and hiring across APAC, Europe, and the Americas to scale its member base.
- **Regulatory Leadership**: Maintaining and expanding its regulatory framework to set the standard for compliant crypto banking.
- **Product Innovation**: Adding features like designated beneficiaries, recurring buys, and enhanced yield products.

## Why Work Here
- **Fully Remote Culture**: Xapo was founded as a fully remote company and has been remote for 13+ years. Team members work from 50+ countries with a strong emphasis on autonomy and work-life balance.
- **Generous Time Off**: 35 days of paid time off per year, plus comprehensive sick, special, and parental leave.
- **Learning & Development**: Personalised yearly budget for courses, books, and conferences, plus annual performance and salary reviews.
- **Global, Diverse Team**: Over 160 "Xapiens" from 50+ countries, with a culture that values inclusivity, ethics, and collaboration.
- **High-Impact Work**: Opportunity to shape the future of finance at the intersection of traditional banking and Bitcoin, working on a product used by a global member base.
- **Interview Process**: Typically includes HR interview, peer interviews, a technical or business challenge, and a hiring manager interview, all conducted via Zoom/Google Meet.

## Sources
1. [xapobank.com - Careers Page](https://www.xapobank.com/en/careers)
2. [xapobank.com - Homepage](https://www.xapobank.com/en)
3. [xapobank.com - Compliance & Regulation](https://www.xapobank.com/en/company/compliance)
4. [LinkedIn - Xapo Bank Company Page](https://gi.linkedin.com/company/xapobankapp)
5. [Greenhouse - Xapo Bank Jobs](https://job-boards.greenhouse.io/xapo61/jobs/7692178003)

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