VP Banking Operations (m/f/d)

As our VP of Banking Operations, you will be the architect of the operational engine and will be responsible for the scalability, compliance, and efficiency of our banking operations as we expand from across Europe. Reporting directly to the Chief Legal & Compliance Officer, you will lead the teams responsible for the backbone of our fintech: from seamless customer surveillance to complex fund flows, payments processing, and regulatory reporting. Your goal is to build a scalable, automated, and "bulletproof" operations department.

Key Responsibilities:

• Payment Rails Management: Manage the technical and operational flows for our payment services (SEPA, cards, international payment, cash deposit, etc..).
• System Evolution: Partner deeply with Product and Engineering to evolve our Internal Core Banking System. You will act as the "Internal Client," prioritizing features that automate manual tasks, reduce latency, and improve data integrity. 2. Expansion & Regulatory Compliance
• Ongoing Customer Surveillance: Monitor the entire customer lifecycle through continuous filtering and ongoing AML/CFT risk tracking. You ensure that speed never comes at the expense of regulatory security.
• European Passporting: Lead the operational readiness for our entry into new markets. You must ensure that local AML/CFT nuances are integrated into our core processes without breaking the scalability of the central engine.
• Workflow Security & Control: Act as the First Line of Defense. You will design secure workflows with embedded controls to ensure all operations are processed safely and meet local regulatory requirements. 3. Operational Strategy & Cost Performance
• Scale & Unit Economics: Drive a relentless focus on monitoring the cost per Customer. You will analyze the "Cost to Serve" across all operational chains and implement strategies to maintain margins as we scale.
• The "10x" Roadmap: Design and execute the "Ops Roadmap" to support a 10x increase in transaction volume. Your goal is to transition from manual processing to fully automated workflows, ensuring that headcount growth remains flat relative to volume.
• Performance Culture: Define, track, and report on high-level operational KPIs. You will be responsible for the department's productivity and the financial efficiency of our operational flows.

• Languages: English (Mandatory), French (Highly Desirable)
• Experience: 10+ years in FinTech or Banking/Payment Operations, with proven expertise in benchmark tracking, workflow optimization, and efficiency gains.
• Scaler Mindset: You have a proven track record of managing high-volume environments and of automating processes to set the ground for efficiency. You have experienced moving an organization from "Manual/Startup" mode to "Industrial/Scale-up" mode. You love automation tools and hate manual spreadsheets.
• Payment Expert: Deep understanding of SEPA, Instant Payments, and Card Scheme operating rules.
• Data-Driven: You manage by the numbers. You can calculate the ROI of an automation project and justify the "Cost to Serve" impact to the Board.
• Regulatory Mastery: Deep understanding of payment systems, KYC/KYB, AML/CFT, and the European regulatory landscape (ACPR, BaFin, etc.).
• Leadership: Proven ability to mentor and foster a culture of excellence and accountability.

We offer

• Job location in Paris or Berlin
• A 45' first call with Cristiana Martins (Senior Talent Acquisition Manager) to get to know you better and share more about Shine.
• A 45' interview with Fanta Duteis (Chief Banking & Compliance Officer) to discuss your past experiences and the role we are offering.
• A 45' interview with Maud (Chief Compliance Officer) and Sebastian (VP of Product Banking).
• A 45' business case presentation to highlight your skills and give you a hands-on feel for the role.
• A 30' team introduction
• A soft skills assessment and interview to see how we can best support your growth at Shine.

Your Role as VP of Banking Operations at Shine