About Lemon. Markets 🍋
We enable anyone to be an investor. Our mission is to grow investing opportunities for all European customers and businesses, providing seamless access to capital markets. By empowering FinTechs, Banks and Wealth Managers to offer investment products, we help create financial well-being for their customers.
lemon.markets provides a Brokerage-as-a-Service platform for simple digital access to capital markets through a single API. Our API-first infrastructure makes launching an investment product customer-centric and compliant. We abstract all complexity for our partners through a well documented API, a self-service customer operations portal and operating in a clear regulatory framework. Enabling partners to launch in weeks, not months.
We have experienced first hand that brokerage infrastructure is broken. Building an investment product used to be highly expensive, challenging and cumbersome. We ease this pain by shielding our partners & their customers from the underlying complexity - and with that, we make investing seamlessly accessible to everyone. Because that's exactly what we enjoy, going to places nobody else dares and solving hard problems. This not only creates tons of value when done right, but attracts the smartest minds - because outlier companies are built by exceptional people like you.
Your Mission
As our Banking Operations Specialist, you'll be the person who keeps the daily "money movement" engine steady and well-controlled. You'll run payment cycles, reconcile bank activity every day, and make sure every bank transaction lands correctly in the ledger using clean double-entry logic.
When something doesn't match, you'll bring calm structure: you'll look into it quickly, document what you did and why, resolve the root cause, and help us build the guardrails so it's less likely to happen again. You'll also work closely with Product/Engineering to improve tooling and automation, so over time the operation becomes more reliable, easier to run, and less manual.
In this role you will
- Execute daily payment runs: you prepare payments, perform checks/controls, and manage release/approval steps.
- Keep payment routing correct end-to-end: you ensure the right rails/providers/bank accounts are used and flows are handled cleanly.
- Resolve payment exceptions: you monitor statuses and work through rejects/returns/failed payments with clear tracking and follow-through.
- Run daily bank reconciliations: you reconcile bank statements vs. internal systems and ledger postings; investigate breaks and drive root-cause fixes.
- Ensure ledger-accurate double-entry postings: you perform/validate bank-related bookings (clearing accounts, cut-offs, balancing logic; accruals where relevant) and keep them traceable.
- Improve processes and controls: you strengthen SOPs, checklists, evidence standards, and handovers to reduce risk and manual work.
- Partner with Product/Engineering on tooling: you turn operational needs into improvements (reporting, reconciliation logic, payment tooling, alerting/monitoring).
You'll be successful in this role if you have
- Relevant ops experience: you have 3+ years in Banking Ops, Payments Ops, Finance/Accounting Ops, Treasury Ops, or similar, ideally within a regulated environment.
- Payments execution experience: you've run payment operations end-to-end, including exception handling (rejects/returns/failed payments).
- Reconciliation and investigation skills: you are hands-on when it comes to daily reconciliations, structured break analysis, and thoughtful root-cause resolution.
- Strong accounting and ledger foundation: you are confident with double-entry applied to bank flows, clearing accounts, balancing logic, and cut-offs.
- High accuracy and audit-ready documentation: you're detail-oriented, dependable, and consistent about evidence quality.
- End-to-end flow understanding: you are able to explain and reason through payment flows from initiation to booking and reconciliation.
- Ownership and collaboration mindset: you are reliable in daily critical processes, structured in execution, and comfortable translating operational needs to Product/Engineering while driving continuous improvement.
How We Take Care Of You
- 🚀 Compensation package: We offer you a competitive salary, based on your experience and the value-add you bring to lemon.markets.
- 💎 Make a real impact: Our start-up environment gives you the room to shape your career, explore areas outside your role, and build expertise through ownership. As we mature and are backed by dwpbank, we're adding a layer of resources and expertise you are benefiting from.
- 🕑 Flexible working hours: We trust people to choose when they work best and avoid a rigid 9 to 5 mindset. You decide on the rhythm that helps you do your best work, with only shared core hours from 12:00 to 16:00 to support collaboration.
- 🏢 Hybrid work setup: You can work from anywhere in Germany within a hybrid model. At the same time, in-person collaboration is a key part of our culture. That being said, individual contributer lemoneers work 4 days or more per month on-site in our Berlin office, spending quality time together with the team at events, onsites/offsites or over team dinners.
- 📈 Grow with us: We take your personal development seriously! You'll get regular mentorship and stretch opportunities, plus a clear career development framework with frequent feedback conversations so you always know where you stand, and what to do to level up.
- 🌱 People & culture: You'll feel our culture in the small things, like polaroids from our lemoneers' first day, Friday food market strolls at Maybachufer, and our monthly new-joiner breakfast. But also in the bigger things: celebrating the onboarding of new partners, growing our teams, and owning a strong discussion culture.
- 💛 Perks & benefits: We choose benefits that add actual value. We sponsor a Deutschlandticket for employees on unlimited contracts, plus 50% off on Beatvest - our partner for financial education and investing.
- 🏝 Workation: Get out of here! At lemon.markets you can work remotely from anywhere in the EU for up to 10 consecutive days at a time, and up to 60 days per year in total.
About The Process
Hiring can be an exhausting process, especially when you're the one trying to get hired. Therefore, we try to make this a fast and transparent process. Additionally, you will always have one contact person guiding you through the process and helping you to schedule meetings, and setting you up on a path of success. Your process will look like this:
- Get to know - Karo - Talent Partner | 40 minutes
- Deep Dive - Yvonne - Operations Lead | 60 minutes
- Meet us at our lemon.markets HQ
- Case Study - Yvonne - Operations Lead, Uthra - Securities Operations Specialist, Sebastian - Senior Product Manager Banking | 60 minutes
- Principles Session - A selection of lemoneers | 60 minutes
- Meet the Leadership - Max - Founder I 30 minutes
As an equal opportunity employer, lemon.markets is committed to building an inclusive workplace. The company welcomes people from all different backgrounds, including age, citizenship, ethnic and racial origins, gender identities, individuals with disabilities, marital status, religions and ideologies, and sexual orientations to apply.
Benefits:
- Competitive salary
- Hybrid work setup (work from anywhere in Germany)
- Flexible working hours
- Mentorship and career development
- Workation (remote work from anywhere in the EU for up to 60 days/year)
- Deutschlandticket sponsorship
- 50% off on Beatvest (financial education and investing)
Remote Model: H Country Code: de
