Junior Associate - Banking Operations

unior Associate - OperationsLocation: West London Salary: £27,000 per annum Job Type: Permanent Working Pattern: Full-time, fully office-based We are seeking a detail-oriented and motivated Junior Associate to join our Operations team in West London. This is an excellent opportunity for someone looking to build a long-term career within banking operations and payments processing in a fast-paced and professional environment. The successful candidate will support the day-to-day operational activities of the clearing team, ensuring all processes are completed accurately, within deadlines, and in line with internal controls and regulatory requirements. Key Responsibilities • Process inward clearing cheques, BACS credit/debit files, and related returns within required cut-off times • Handle outward clearing and rejection entries, ensuring balances and totals reconcile correctly • Monitor and process standing order instructions in line with customer requests • Process Faster Payment requests, ensuring approvals and signature verification are completed in accordance with policy • Check and action stop payments and cancellations related to payment processing • Manage debit card reconciliations and investigate related queries • Support customer chargeback queries and liaise with relevant payment providers within required timelines • Ensure all customer queries are managed efficiently through CRM/RMS systems • Reconcile internal accounts and support daily operational controls • Liaise with branches and internal departments regarding operational and clearing-related queries • Assist team members to ensure all daily tasks are completed accurately and on time • Carry out additional departmental administrative and operational duties as required Skills & Experience Required • Good working knowledge of Microsoft Office • Experience using Finacle and other banking applications is advantageous • Understanding of banking regulations, AML, and KYC procedures • Excellent attention to detail and accuracy • Strong verbal and written communication skills • Ability to work independently and manage workload effectively • Strong interpersonal skills with a collaborative approach to problem-solving About YouYou will be highly organised, reliable, and able to work effectively in a busy operational environment. You will take pride in delivering accurate work, meeting deadlines, and maintaining high professional standards at all times.