Treasury Specialist - FX & Payment Operations

## About Us At Nilos, we believe that instant payments should be available everywhere. Many businesses still face long payment delays and high spreads, limiting economic opportunity in many regions. We see stablecoins as a solution to longstanding liquidity and interoperability challenges that have prevented the true democratization of efficient international payment systems. Nilos offers global payment rails designed for global merchants and fintechs, leveraging blockchain technology to deliver an unparalleled payment experience. ## About the Role We are seeking a sharp, experienced **Treasury Specialist** to join our global team. In this role, you will help ensure the accuracy, reliability, and efficiency of our end-to-end treasury, payments, and FX flows. You will oversee daily treasury operations, execute FX trades, manage liquidity, monitor transactions, resolve payment issues, manage reconciliations, and collaborate with product, engineering, compliance, and customer-facing teams to deliver an exceptional OTC desk and payments experience. This role is ideal for someone who enjoys working at the intersection of treasury operations, FX, and technology, thrives in a fast-paced environment, and is excited to reinvent how treasury and FX trading work today. ## KEY RESPONSIBILITIES **Payment Operations** * Oversee and execute daily payment operations across multiple rails (SWIFT, SEPA, ACH, PIX, SYGMA, RTGS, SICA, Fedwire, UAEFTS, NIP virtual accounts, on-chain transfers, etc.). * Monitor payment flows in real time, proactively identifying delays, exceptions, or failed transactions and driving swift resolution. * Serve as first/second-line support for customers and internal teams on FX and payment-related inquiries, ensuring timely and accurate responses. * Collaborate with engineering and product teams to automate and optimize internal treasury tools, payment workflows, and operational controls. * Identify and escalate systemic payment issues, partnering with technical teams to implement permanent fixes. **FX Trading & Market Monitoring** * Execute FX spot, forward, and swap trades on behalf of Nilos and its clients across multiple currency pairs and emerging-market corridors. * Monitor currency markets, macroeconomic developments, liquidity conditions, and stablecoin dynamics to inform trading decisions. * Provide daily competitive FX pricing and market color to clients and the internal sales team. * Manage the FX trade lifecycle from execution through settlement, ensuring accurate booking, confirmation, and reconciliation. * Support FX sales by building and maintaining relationships with clients, liquidity providers, and banking partners to ensure best execution and competitive spreads. **Liquidity Management** * Forecast liquidity requirements across fiat and digital asset balances to support ongoing and upcoming payment flows. * Monitor and optimize cash and stablecoin positions across accounts, entities, and currencies in real time. * Manage prefunding and rebalancing of liquidity pools to minimize idle balances and funding gaps. * Coordinate drawdowns, repayments, and utilization of credit lines and banking facilities across providers. **Reconciliation & Reporting** * Support daily reconciliation of banking provider positions, liquidity accounts, and on-chain wallet balances. * Investigate and resolve FX, payment, and reconciliation discrepancies accurately and within agreed SLAs. * Prepare and distribute daily, weekly, and monthly treasury reports covering cash positions, FX P&L, payment volumes, and exceptions. * Support month-end close with accurate treasury and intercompany accounting entries. **Compliance & Controls** * Adhere to and actively support KYB/KYC policies, AML monitoring, and applicable regulatory requirements across jurisdictions. * Maintain robust operational controls and audit trails for all treasury and payment activities. * Support internal and external audits by providing documentation, evidence, and reconciliations as required. ## QUALIFICATIONS & EXPERIENCE **Experience** 3–5 years in payment operations, FX sales, FX brokerage, banking operations, or treasury management—ideally within a high-growth fintech, bank, or payments business. **Payments Knowledge** Strong understanding of payments infrastructure (SWIFT, SEPA, ACH, card schemes, PSPs, virtual accounts) and FX settlement mechanics. **FX & Markets** Hands-on experience executing FX transactions across G10, stablecoins, and Sub-Saharan African markets; comfortable reading market data, managing open positions, working with liquidity providers, and supporting FX sales. **Stablecoins / Web3** Familiarity with stablecoin mechanics (USDC, USDT, etc.) and on-chain payment flows is a strong advantage. **Technical Skills** Advanced Excel / Google Sheets; experience with TMS or payment operations platforms; comfort with data and reconciliation tooling; strong user of AI tools. **Soft Skills** Excellent analytical skills, high attention to detail, strong cross-functional communication, ability to manage multiple priorities in a fast-paced environment, and strong relationship management. ## CORE COMPETENCIES * ✔ Analytical & quantitative thinking * ✔ Exceptional attention to detail * ✔ Sound FX & market risk judgment * ✔ Ability to work under pressure and to deadlines * ✔ Strong cross-functional collaboration * ✔ Initiative & continuous improvement mindset * ✔ High integrity and ethical standards * ✔ Customer-centric & service-oriented approach ## WHAT WE OFFER * The opportunity to reshape treasury and FX operations using best-in-class tools. * Direct exposure to the inner workings of a fast-growing fintech reinventing cross-border payments. * A front-row seat to global treasury flows and unique opportunities across emerging markets. * A competitive and unique compensation package, including a performance-based bonus scheme. * Flexible, remote-friendly working arrangements with a global team. * Professional development support and the chance to grow with the company as it scales.