Operations Associate
About us
Bondsmith is a fast growing digital cash savings platform focused on helping customers make the most of their money by offering access to a wide range of savings products.
We work with financial institutions like wealth managers, fintechs, banks, and advisors, providing them with tools to get better returns on cash, engage more effectively with clients, and simplify their operations. Our goal is to help savers get the most out of their cash.
At Bondsmith, our core values are rapid and continuous improvement, delivering good customer outcomes, and taking end to end ownership. Our team is made up of experienced professionals who are passionate about delivering excellent service and finding new ways to solve challenges in financial services. Joining us means working in a fast-paced environment where you will be making an impact on the financial lives of thousands of savers.
We’re regulated by the Financial Conduct Authority in the UK.
Job overview:
We are looking for a detail-oriented and proactive Operations Associate to join our growing team. In this role, you will play a critical part in the day-to-day execution of operational processes that support our digital savings platform. You’ll collaborate closely with internal stakeholders and external partners to ensure a seamless customer experience and operational excellence.
Key Responsibilities:
- Execute and manage core operational processes, including order and payment processing, reconciliations, account maintenance, and query resolution
- Ensure accuracy and integrity of savings products (product control), proactively monitoring rates, terms, and customer instructions to prevent and resolve discrepancies
- Manage deposit and withdrawal flows, ensuring timely processing, payment accuracy, and compliance with regulatory and internal policies
- Lead reconciliation activities, including daily cash and account reconciliations, ensuring prompt investigation and resolution of breaks
- Support the production of internal and external reports, including regulatory filings, operational KPIs, and performance dashboards
- Collaborate cross-functionally with teams such as Compliance, Engineering, Product, and Customer Service to troubleshoot issues and enhance workflows
- Assist with onboarding of new partner banks and financial products, including setting up operational processes, documentation, and testing
- Handle and respond to operational queries from partner banks and distributors in a timely and professional manner
- Develop and maintain SOPs to ensure consistency, control, and transparency across all operational activities
- Identify and escalate operational risks or incidents, contributing to remediation and control improvements
- Support process optimisation and automation initiatives, identifying ways to streamline operations while maintaining robust oversight and controls
What You’ll Bring
- 1–3 years of experience in operations, product control, or middle office within a fintech, bank, or financial services environment
- Strong reconciliation and analytical skills, with a detail-oriented mindset and a high level of accuracy
- Familiarity with payment flows and settlement processes in a regulated environment
- Experience working with cross-functional teams and external partners
- Comfortable navigating ambiguity and complexity, and capable of independently resolving issues
- Proficient in Excel/Google Sheets; experience with SQL or reporting tools is a plus
- Strong written and verbal communication skills in English
- A team player who takes ownership and thrives in a fast-paced, high-growth setting
What Would Make You Stand Out
- An eagerness to learn quickly and contribute ideas that help improve how the team works
- Enjoyment in working collaboratively with others and contributing to a high-performing team culture
- A strong work ethic, pride in delivering high-quality outcomes, and attention to doing things the right way
- You're curious, organised, love solving problems and technology - especially when it comes to improving processes.
- You take ownership and have a strong sense of professional pride.
- You’re adaptable and thrive in a fast-changing, startup-like atmosphere.
- Confidence in taking ownership of tasks and showing initiative in a fast-moving, delivery-focused environment
Salary range
£32,000 - £38,000 GBP
Why Join Bondsmith?
- Bondsmith is a fintech success story in the making. We’re a small, focused team delivering real value to major enterprise clients, and the demand for what we’re building continues to grow. As an early joiner, you’ll have the rare opportunity to make a meaningful impact, shape the future of our products, and grow alongside the company. If you're excited by high-growth environments and want your work to matter, Bondsmith is the place to be.
Company Benefits
- Competitive salary 💸
- Hybrid working (average of 3 days a week expected in office)
- Healthcare 🏥
- Pension scheme 💰
- Share scheme participation 📈
- All the right equipment to make sure you’re working at your best 💻
- Deliveroo for working late in the office 🍔
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