Banking Operations Lead
Spiko is a French MiFID-licensed fintech that issues tokenized money market funds invested in treasury bills and bank swaps, offering daily yields with daily liquidity.
Maintainer signals as of 9/2/2026
Funding history
Projects
About Spiko
Spiko is a Paris-based fintech licensed by the French ACPR as a MiFID investment firm, offering regulated tokenized money market funds to businesses and individuals. Its products invest in treasury bills from core Eurozone countries or use collateralized total return swaps with Tier 1 banks to deliver daily interest. Fund shares are issued as ERC-20 tokens on public blockchains including Ethereum, Stellar, Arbitrum, and Polygon, enabling 24/7 transfers and API access. Spiko acts as transfer agent, tokenization platform, and broker. Products are supervised by the French AMF.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will oversee banking flows, payments, settlements, liquidity, and reconciliation across multiple currencies. You will design banking architecture, automate repetitive work, build procedures and first-line controls, support new product launches, manage banking partner relationships, contribute to regulatory reporting, and improve the auditability and resilience of banking processes.
Requirements
- 3 to 8 years of experience in banking or payment operations
- Strong knowledge of banking systems and payment flows
- Knowledge of SWIFT SEPA settlement cycles multi-currency operations and FX
- Experience designing processes controls or automation
- Understanding of the French and European financial regulatory environment
- Fluency in French and comfort working in an English-speaking environment
- High autonomy and rigor with end-to-end ownership of operational outcomes
- Curiosity proactivity hands-on execution and problem-solving ability
- Experience in a fast-growing startup scale-up or fintech is preferred
- Familiarity with ACPR or AMF prudential reporting is preferred
- Familiarity with blockchain infrastructure or decentralized finance is preferred
Responsibilities
- Monitor banking operations and keep payments and settlements running smoothly
- Automate repetitive tasks through processes or scripts
- Manage SWIFT SEPA and multi-currency settlements
- Match incoming wires with client orders and resolve mismatches
- Manage liquidity and ensure timely settlement
- Design and evolve banking architecture for FX stablecoins credit and new products
- Partner with Product and Engineering on infrastructure projects
- Build procedures first-line controls and automations
- Support banking setup for new financial products from design to go-live
- Manage banking provider relationships across payments FX and depositary services
- Negotiate and onboard new banking partners with Legal and Compliance
- Improve controls on client money flows
- Contribute to regulatory and risk reporting including ACPR reporting
- Strengthen the auditability and resilience of banking processes
Benefits
- Stock options
- Hybrid work with remote work up to 2 days per week and one full remote week per month
- Latest-generation laptops and industry-leading software
- Health insurance fully covered by Spiko
- Monthly budget for selected perks
- 50% of public transport pass covered or Forfait Mobilités Durables
- Referral bonus
- Regular afterworks and biannual offsites
Hiring Process
Screening interview with Talent Acquisition; hiring manager interview with the Head of Finance; take-home business case presented in person; final founder interviews online; reference check; offer.