We're a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands. 

We are a team of inspired people who believe that opportunities start with a conversation. 

Duties and responsibilities

Digital Transformation Manager – Banking Operations is responsible for overseeing and optimizing operational processes related to banking transactions, payment settlements, and clearing functions. This role ensures that banking operations run efficiently, securely, and in compliance with regulatory requirements while supporting the digital transformation of payment and clearing processes. The position requires strong expertise in banking operations, payment processing, clearing mechanisms, and regulatory compliance.

Responsibilities

Banking Operations & Process Optimization:

• Identify opportunities to automate and streamline operational workflows to enhance efficiency and reduce manual efforts.
• Manage projects from inception to completion, ensuring timely delivery within budgets.

Clearing & Settlement Management:

• Ensure smooth and efficient execution of clearing and settlement processes for local and international payments through process improvements. 
• Collaborate with central banks, clearinghouses, and payment networks to enhance payment infrastructure.
• Implement improvements to reduce transaction processing time and enhance accuracy.

Payments Processing & Digital Transformation:

• Work closely with IT and Digital Channels teams to integrate digital payment solutions with core banking and operational processes.
• Monitor industry trends and implement best practices for digital payment processing.

Testing:

• Design business test cases for System Integration Testing (SIT) and User Acceptance Testing (UAT).
• Develop UAT test plans that reflect real-life usage of the system ensuring that product meets business requirements and user expectations.

Regulatory Compliance & Risk Management:

• Ensure compliance with regulatory frameworks, including AML, KYC, SWIFT and Central Bank guidelines.
• Work with Risk and Compliance teams to identify and mitigate operational risks in payments and clearing processes.
• Keep up to date with regulatory changes and implement necessary process adjustments.

Stakeholder Collaboration & Vendor Management:

• Engage with internal teams, including Operations, IT, Product, Risk, and Finance, to support operational efficiency and transformation initiatives.
• Manage relationships with clearinghouses, payment processors, correspondent banks, and regulatory bodies, as required. 
• Provide training and support to employees to help them adapt to new digital systems and processes.

Performance Monitoring & Reporting:

• Establish KPIs to track the efficiency, accuracy, and security of banking operations, clearing, and payment processes.
• Provide regular reports and insights to senior management on operational performance, risks, and areas for improvement.
• Maintain updated documentation and use tools like Jira and Confluence. 

Competencies and experience

Skills, Experience and Knowledge

• 7+ years of experience in banking operations, payments, and clearing functions.
• Strong knowledge of payment processing, clearing systems, SWIFT, RTGS, and instant payment frameworks.
• Experience in digital transformation projects and process automation.
• Excellent understanding of regulatory requirements related to payments and banking operations.

Key Competencies

• Expertise in banking operations, clearing, and payments.
• Strong analytical and problem-solving skills.
• Knowledge of compliance and risk management in banking transactions.
• Ability to lead process improvement and automation initiatives.
• Excellent stakeholder management and collaboration skills.

This role is critical in ensuring the smooth execution of banking operations, improving clearing and payment efficiencies, and supporting digital transformation initiatives to enhance service delivery and operational resilience.

What we Offer

• ongoing personal development; 
• preferential interest rates on home loans, personal loans and home value loans; 
• comprehensive support for academic advancement through fully subsidized staff study loans; 
• private clinic health insurance coverage, extendable to dependants; 
• life insurance and personal accident cover; 
• free ophthalmic examinations; 
• private counselling sessions in collaboration with Richmond Foundation; 
• additional half-day leave for birthday celebrations; 
• annual performance appraisals and salary reviews; 
• €250 annual wellness allowance; 
• complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40; 
• flexible work arrangements (role permitting); and 
• various corporate discounts. 

BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.