Senior Real Time Gross Settlement Specialist

Job Title: Senior Real Time Gross Settlement Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

About the Role

The Senior Real Time Gross Settlement (RTGS) Specialist is responsible for providing technical and operational oversight of high-value interbank payment processing through real-time gross settlement systems. The role focuses on payment transaction monitoring, settlement exception investigation, liquidity and queue analysis, reconciliation, operational risk assessment, and coordination with banking and payment infrastructure teams. Working fully remotely, the specialist supports reliable settlement operations, accurate transaction records, and adherence to applicable payment system rules, service standards, and internal controls. Physical payment infrastructure operations and binding settlement authorizations remain the responsibility of appropriately authorized personnel.

Key Responsibilities

• Monitor RTGS transaction data, settlement statuses, payment queues, and processing exceptions through approved banking platforms.
• Review high-value payment records for completeness, accuracy, consistency, and compliance with established processing requirements.
• Analyze rejected, pending, delayed, returned, and unsettled payment transactions.
• Investigate settlement discrepancies by reviewing payment instructions, transaction references, timestamps, and corresponding account records.
• Monitor payment queue activity and identify bottlenecks, unusual delays, and potential settlement risks.
• Analyze liquidity utilization, settlement balances, funding requirements, and intraday payment patterns.
• Coordinate remotely with treasury, payment operations, correspondent banking, and technology teams to investigate settlement issues.
• Review payment message data, including relevant SWIFT MT formats and ISO 20022 message structures.
• Support reconciliation of RTGS settlement records against internal general ledger accounts and central bank or settlement institution statements.
• Investigate duplicate payments, incorrect beneficiary details, invalid transaction references, and processing inconsistencies.
• Monitor settlement cut-off times, payment deadlines, operating windows, and service-level performance indicators.
• Review system-generated alerts and exception reports and coordinate escalation through approved operational channels.
• Support analysis of settlement failures, system interruptions, connectivity issues, and payment processing incidents.
• Maintain accurate records of transaction investigations, settlement exceptions, reconciliation results, and corrective actions.
• Assist with liquidity forecasting and intraday settlement analysis using historical transaction and payment queue data.
• Review operational procedures and control documentation relating to RTGS processing, settlement monitoring, and payment reconciliation.
• Support business continuity and contingency planning through documentation review, scenario analysis, and remote coordination exercises.
• Contribute to root cause analysis and corrective and preventive action plans for recurring settlement issues.
• Prepare management reports covering transaction volumes, settlement performance, exception trends, liquidity utilization, and operational incidents.
• Support internal audits, regulatory reviews, and payment system compliance assessments.
• Recommend improvements to transaction monitoring, reconciliation automation, exception handling, and settlement reporting.
• Provide technical guidance to junior payment operations and settlement support personnel.

Qualifications and Experience

• Bachelor's degree in Banking, Finance, Accounting, Economics, Information Systems, or a related discipline.
• Significant experience in RTGS operations, high-value payment processing, treasury operations, settlement services, or interbank payment systems.
• Strong understanding of real-time gross settlement principles and high-value payment processing workflows.
• Familiarity with central bank settlement arrangements and domestic or cross-border payment infrastructure.
• Experience investigating rejected, delayed, pending, and unmatched settlement transactions.
• Knowledge of SWIFT payment messaging, including relevant MT formats and ISO 20022 payment messages.
• Understanding of intraday liquidity management, payment queues, settlement limits, and funding arrangements.
• Experience with Nostro reconciliation, general ledger reconciliation, and settlement account monitoring.
• Familiarity with banking platforms, payment gateways, treasury management systems, and transaction monitoring tools.
• Understanding of payment system risk, operational controls, business continuity, and incident management.
• Awareness of anti-money laundering, sanctions screening, fraud prevention, and suspicious transaction escalation procedures.
• Strong analytical and numerical skills, including the ability to interpret large volumes of transaction data.
• Proficiency in Microsoft Excel and familiarity with SQL, data analysis tools, or automated reconciliation solutions is an advantage.
• Excellent documentation, reporting, and stakeholder coordination skills.
• Ability to manage time-sensitive investigations and competing operational priorities.
• Ability to work independently and collaborate with international banking teams in a fully remote environment.

What We Offer

• Fully remote working arrangement within the stated UAE-based role framework.
• Opportunity to support high-value payment and financial settlement operations.
• Collaboration with treasury, banking technology, payment operations, and risk management professionals.
• Exposure to modern payment infrastructure, SWIFT messaging, and ISO 20022 standards.
• Opportunities for professional development in payment systems and financial operations.

How to Apply

Interested candidates should submit an updated CV highlighting their RTGS experience, high-value payment processing knowledge, settlement reconciliation capabilities, and familiarity with banking payment systems.

Application Subject: Application – Senior Real Time Gross Settlement Specialist (UAE Remote)

• Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer. This is a fully remote payment data monitoring, transaction analysis, reconciliation, documentation, and operational support role. Physical operation and maintenance of payment infrastructure, secure data centre activities, and on-site banking procedures must be performed by qualified local personnel. Actual payment release, liquidity deployment, settlement authorization, central bank instructions, regulatory submissions, and binding financial decisions must be carried out by appropriately authorized banking or treasury professionals in accordance with applicable regulations, payment system rules, and delegated authority policies.