WHO WE ARE?

ACE Money Transfer Limited is a UK-based multinational company with its headquarters in Manchester, United Kingdom. The company is an online remittance service provider for customers from the UK, Canada, Australia, and the European Union, including Switzerland.

ACE Money Transfer Limited is part of the ACE group of companies, which has a diversified portfolio including digital wallet services in the UK and real estate, advertising businesses, and software solutions in Pakistan.

WHAT DO WE OFFER?

At ACE, we offer a variety of perks and benefits you won't find anywhere else.

Five (5) days working - Saturday & Sunday OFF (All ACE Money Transfer offices accross the globe)
Free Food Facility (Liaison Office - Kharian, Pakistan only)
Free official transport (Liaison Office - Kharian, Pakistan only)
Free Hostel/Executive Accommodation (Liaison Office - Kharian, Pakistan only)
Provident Fund (ACE all Pakistan Offices only)
Interest-Free Loans (ACE all Pakistan Offices only)
Advance salary facilitation (ACE all Pakistan Offices only)
Overtime (All ACE Offices across the Globe, as per policy)
Medical and Life Coverage (ACE all Pakistan Offices only)
Health Insurance (Overseas Offices)
Pension contributions (UK, Ireland, and Australia)
EOBI & PESSI (ACE all Pakistan Offices)
Night Shift Allowance (ACE all Pakistan Offices)
Annual Leaves (All ACE Offices across the Globe, as per policy)
Sick and Casual Leaves (ACE all Pakistan Offices)
Wedding Leaves (ACE all Pakistan Offices)
Umrah and Hajj Leaves (ACE all Pakistan Offices)
Bereavement Leaves (All ACE Offices across the Globe, as per policy)

ACE Group has a strong culture of respect, knowledge sharing, innovation, and out-of-the-box thinking, as well as diversity and inclusion.

Empowering Dreams, Enabling Success.

Join ACE

Thanks for visiting the Career Page of ACE Money Transfer Limited. Please review our open positions and apply for jobs matching your qualifications and experience.

Payments Optimisation Manager

Remote

Full Time

Payments & Banking Infrastructure

Manager/Supervisor

Payments Optimisation Manager

Payments & Banking Infrastructure

Location	UK or EU (Remote)	Reports To	Head of Payments & Banking Infrastructure
Department	Payments & Banking Infrastructure	Contract	Full-time

The Role

You will own transaction routing logic and acceptance rate performance across ACE's payment infrastructure. This means designing and maintaining routing rules, analysing decline patterns, and driving continuous improvement — working alongside analytics to identify opportunities and coordinating with technical teams to implement changes. The impact of this work is direct and measurable.

What You Will Own

Routing Logic

Design, maintain, and continuously improve transaction routing logic across ACE's payment infrastructure
Translate performance data into routing decisions, accounting for acquirer behaviour, corridor characteristics, and cost
Model the impact of proposed routing changes before implementation and monitor outcomes post-deployment
Maintain clear documentation of all active routing rules, rationale, and measured performance

Acceptance Rate Performance

Own AR metrics across all active send markets and payment methods, with accountability for performance against targets
Analyse decline patterns and identify root causes across acquirer behaviour, issuer rules, scheme mandates, and technical factors
Produce evidence-based recommendations and present findings to senior leadership
Flag AR deterioration quickly and drive remediation through the relevant internal teams

Cross-functional Input

Work with the analytics function to ensure performance data supports routing decisions — not to run operations
Serve as the internal subject matter expert on routing and AR, providing input to commercial negotiations and partner reviews
Feed performance insights back to the Head of PBI for leadership reporting and strategic decisions

What We Are Looking For

Essential

4 to 7 years in payments with direct exposure to transaction routing, acceptance rate management, or payment orchestration
Strong understanding of what drives and inhibits card acceptance — acquirer behaviour, issuer rules, scheme mandates, 3DS, technical configuration
Hands-on experience with a payment orchestration or routing platform
Able to translate performance data into clear, defensible business recommendations
Confident presenting routing logic and AR analysis to senior non-technical stakeholders

Desirable

Cross-border payments or multi-corridor environment experience
Familiarity with scheme rules and interchange structures as they relate to routing
Exposure to decline recovery strategies
Background working across multiple acquirers simultaneously

What We Offer

Competitive salary and package aligned to experience
High-ownership role with direct commercial impact in a growing international payments business
Executive visibility and genuine scope to shape how performance optimisation is done at ACE

ACE Money Transfer: https://acemoneytransfer.com/company-profile

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