Capital.com is a global fintech building trading and investment products used by millions of clients across multiple regulated markets. Our platform sits at the intersection of complex financial infrastructure and intuitive user experience - and the technology powering it is what sets us apart.
As we scale, we're strengthening the product teams behind our core financial operations and are looking for a Product Owner - Payments Operations Platform to lead one of the most critical internal domains.
This role focuses on building and evolving the agent-facing payments back office - the tools, workflows, and systems used by Operations, Risk, and Compliance teams to manage deposits, withdrawals, verification, and transaction oversight. You will define the vision, roadmap, and execution strategy for this platform, working closely with Engineering, Design, Data, Payments Core, and Compliance stakeholders to deliver scalable, reliable, and efficient operational tooling.
### Your mission:
Improve the efficiency, control, and scalability of payments operations by:
Reducing manual effort through automation and better tooling: Bank deposit automation is already at 62%, the next milestone is 95%+. You'll define the roadmap to get there across all payment workflows
Increasing speed and accuracy of operational decisions
Strengthening controls across deposits, withdrawals, and verification flows
Providing clear visibility into transactions and payment states
### Your responsibilities:
Own product vision, strategy, and execution for the Payments Operations Platform
Lead development of agent-facing tools across key domains:
Bank Deposit Review & Automation (queues, rules engine, validations)
Payment Method Verification (integration orchestration with providers like Sumsub / KYCAID)
Withdrawal Processing (manual review, approvals, escalations)
Transaction lifecycle management & visualisation (unified operational view and control)
Internal stakeholders will bring you a constant stream of requests. Your job is to filter what they want from what they actually need, and build the backlog around the platform's long-term direction
### Bulk Payment Operations (batch processing tools):
Drive continuous improvements in payment UI and operational workflows on a quarterly basis. Own the automation rate across all payment workflows, set the quarterly target, measure it, and close the gap
Optimize key metrics such as processing time, error rates, automation rate, and operational load
Decide what gets built and what doesn't: translate stakeholder requests into a backlog that reflects platform strategy, not just the loudest asks
Work closely with Payments Core teams while maintaining clear ownership boundaries (operations tooling vs processing layer)
Manage integrations and external interfaces across payments operations domains
Align stakeholders across Operations, Risk, Compliance, and Engineering
### Scope clarification:
This role focuses on back-office tooling and operational workflows, not on:
PSP integrations or payment processing pipelines
Client-facing payment UX (e.g. deposit forms)
As new regulated markets come online, this platform's scope is expected to expand. The person in this role will have the opportunity to define what that looks like.
### We're looking for:
3+ years of experience as a Product Owner / Product Manager in fintech, payments, or a regulated environment
Data fluency: you build your own views, read operational dashboards without hand-holding, and make prioritisation decisions based on numbers rather than stakeholder pressure.
Strong understanding of payments operations, including deposits, withdrawals, and reconciliation workflows
Experience building or improving internal tools / operational platforms
Familiarity with verification flows (KYC/KYB), payment methods, and transaction lifecycles
Familiarity with REST APIs and backend data flows sufficient to hold design conversations with engineering teams
Strong analytical mindset with a focus on operational efficiency and automation
Proven ability to manage stakeholders across Operations, Risk, Compliance, and Engineering
Comfortable owning a single-threaded team and driving delivery end-to-end
### Nice to have:
Experience with rule engines, automation systems, or decisioning frameworks
Exposure to providers like Sumsub, KYCAID, or similar verification tools
Understanding of IBAN validation, name matching, and payment risk controls
### Why this role matters
Payments operations is where customer experience, risk control, and business efficiency intersect. This role sits at the heart of that system - turning complex, manual processes into scalable, reliable products.
