Associate Product Manager New Grad - Payments
About the job
- An academic background in Computer Science, Engineering, or a highly quantitative field from a leading institution or equivalent top-tier European university.
- An interest in payments and how money moves around the globe.
- Assist in delivering small features related to moving money internationally.
- Own the end-to-end delivery of small to medium features in payments and collections, from ideation through launch and iteration, partnering with more senior team members.
- Define and monitor key performance indicators for owned features and report on product performance.
- Write clear user stories and resolve related queries.
- Participate in user research and develop a foundational understanding of end users, small and medium-sized enterprises, entrepreneurs, and the market landscape.
- Gather user feedback and derive insights.
- Understand the product’s basic architecture and technology stack.
- Communicate within the team by providing updates and seeking clarity.
- Ask questions and seek guidance from senior team members.
- Understand the money flows team’s product vision and how the role contributes to it.
- Translate product strategy into a clear, prioritized roadmap for a small area or feature set.
- Present feature plans and results to cross-functional teams.
About the company
Ebury is a global fintech that helps businesses manage cross-border payments, currency risk, and financing. It runs a platform with global and local bank accounts, competitive currency conversion, bulk payments, APIs, and mobile access, usable via web or with relationship managers. It stands out with tools to lock exchange rates in over 60 currencies, FCA regulation with segregated funds in Tier-1 banks, and the ability to embed its payments and lending into client platforms. Its goal is to help businesses scale internationally with predictable costs and streamlined financial operations.
Company Size
1,001-5,000
Company Stage
Private
Total Funding
$111.4M
Headquarters
London, United Kingdom
Founded
2009
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Simplify's Take
What believers are saying
- April 2026 raised £550 million for product development, geography expansion, and AI investment.
- August 2026 launches added Sage integration, SWIFT GPI tracking, and self-service MTM valuations.
- European Commission approval on 8 September 2026 cleared the Santander-Centerbridge ownership reset.
What critics are saying
- Centerbridge control and deconsolidation by Q1 2027 reduce standalone IPO visibility.
- London listing delays since April 2025 signal buyer uncertainty and prolonged execution risk.
- Payments competition from Corpay, Neo, and banks compresses margins; platform commoditization threatens Ebury.
What makes Ebury unique
- Santander owns 55% after April 2026 funding, giving Ebury cheap balance-sheet access.
- Ebury ships integrated FX, payments, hedging, lending, and MTM reporting in one platform.
- Its Sports Finance niche monetizes transfer flows, with 10% of Premier League moves.
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Benefits
Health Insurance
Hybrid Work Options
Paid Vacation
Flexible Work Hours
Gym Membership
Professional Development Budget
Company News
How Ebury scaled AML Transaction Monitoring with AI from Hawk. Ebury's Challenge: Improving AML with Rule Control and AI. * Ebury is a global financial services provider, offering payments, collections, and foreign exchange services to corporates and SME clients across international markets. * Its previous rules-based AML transaction monitoring system had limited configurability, restricting the team's ability to swiftly adapt monitoring controls for a rapidly growing, international client base. * Ebury proactively implemented Hawk's AI-enabled AML Transaction Monitoring platform, incorporating advanced anomaly detection and false positive reduction models to continuously evolve its control framework. * Results: Detection precision doubled and false positive alert rates fell significantly, empowering Ebury to scale international transaction volumes with market-leading control capabilities. Maintaining a market-leading compliance framework. As Ebury's global payment volumes and international footprint rapidly expanded, the business sought to upgrade its transaction monitoring capabilities to maintain a market-leading compliance framework. Ebury's existing transaction monitoring setup required vendor involvement for rules updates, limiting the internal team's ability to rapidly fine-tune detection thresholds or customise monitoring logic for increasingly diverse global client segments. To maintain the highest standard of regulatory compliance while supporting ongoing business expansion, Ebury required a self-serve platform that provided direct control over its ruleset. Furthermore, Ebury recognized that advanced AI offered significant opportunities to enhance operational effectiveness. By combining agile rule management with AI capabilities - such as machine learning for false positive reduction and anomaly detection for complex pattern recognition - Ebury aimed to continually elevate its first-line controls to match its growth ambition. Hawk allows Hawk to tailor monitoring logic to a broad range of client profiles and international corridors while leveraging AI anomaly detection to spot emerging risks. This ensures its control framework remains market-leading as Ebury continues to scale globally. Tom Wain, SVP Operations at Ebury The solution: ai-embedded Transaction Monitoring. Hawk's AML Transaction Monitoring platform delivered the agility, oversight, and control Ebury required: * In-house rule agility: Ebury's controls team can now create, test, and adjust detection logic directly through Hawk's intuitive interface. Rules can be tested in a dedicated Production Sandbox and deployed in hours, allowing Ebury to respond swiftly to emerging financial crime patterns without vendor delays. * Segment-specific monitoring: The team can dynamically segment clients by risk profile and geographic footprint, applying precise monitoring logic tailored to distinct client behaviours. * Advanced AI models: Hawk's False Positive Reduction model manages high transaction volumes efficiently, while the Anomaly Detection model surfaces subtle, multi-layered risk patterns that static rules alone cannot detect. Together, these capabilities allow Ebury to support diverse business segments and expand into new markets with complete confidence in its compliance controls. * 46% initial reduction in false positives following deployment, increasing to 60% following model retraining. * Nearly doubled detection precision, increasing the proportion of actionable alerts from 14% to 30%. * Reduced rule deployment timeline from weeks to hours, significantly enhancing agility. * Streamlined scalability, enabling Ebury to expand its international client footprint backed by robust, tailored monitoring capabilities Explainable AI built for auditors and regulators. Ensuring AI decisions are fully transparent and defensible to internal stakeholders, auditors, and regulators was a core priority for Ebury. Hawk's platform provides clear, contextual reasoning for every alert generated, ensuring first-line analysts can interpret, validate, and act on findings immediately. The explainability of Hawk's models gives its team total clarity over why specific alerts are generated. It provides complete transparency for internal governance and regulatory reporting, ensuring Hawk understand and can clearly evidence the logic driving its controls. Tom Wain, SVP Operations at Ebury The user-friendly interface allows analysts to immediately categorise alerts by risk severity and rule type. When new regulatory requirements or emerging typologies arise, Ebury can adapt its monitoring setup in hours, ensuring the control framework continuously evolves alongside the business. The relationship between Ebury and Hawk's teams also contributed to the success of the project. Hawk's deep knowledge of AI implementation gave Ebury confidence throughout the process. About Ebury. Ebury provides payment and foreign exchange services to corporate clients and small and medium enterprises. In 2025, Ebury: - Processed 1.9M+ transactions - Made payments across 228 countries and collected money from 197 - Sent funds in 111 currencies and received funds in 50 currencies To learn more about Hawk's AML Transaction Monitoring solution, request a demo here. September 9, 2026
David Hughes appointed as Managing Director, Enterprise Payments at Ebury. Congratulations to its client Ebury for appointing David Hughes as Managing Director, Enterprise Payments. Ebury is a global fintech leader in international payments and exchange risk management, which helps small and medium-sized enterprises (SMEs) operate and grow internationally. With its complete and personalized offering, it enables companies to send and receive cross-border payments and manage currency risk. C1 Team: Terry Shaw, Sam Hutchinson, & Anna Naylor - 08 Sep 2026
The European Commission has approved the joint acquisition of Ebury by Santander and Centerbridge. Ebury is an international payments fintech company currently owned by the Spanish bank. Brussels determined that the transaction, which primarily affects banking and financial services, "does not raise concerns." The deal will see joint control of the payments company shared between Santander and US-based Centerbridge. The approval from the European Commission clears a key regulatory hurdle for the transaction. No financial details of the deal were disclosed in the announcement.
Ebury Market Strategy team delivers another standout quarter in independent FX forecasting rankings. * Ebury ranks #1 for US Dollar (USD) /Swiss Franc (CHF), one of the world's major currency pairs * Secured the #3 spot for the entire Asian region * Ranked in the top 5 for seven different currency pairs and regions, while also placing in Bloomberg's top 10 G10 rankings Ebury, the global financial services firm, is proud to announce another strong performance by its Market Strategy team in the latest Bloomberg FX forecast accuracy rankings for Q2 2026. These results underscore the firm's commitment to providing world-class market intelligence and precise analysis to help businesses navigate the complexities of global trade. Its Market Strategy team achieved the number one position for the US dollar/Swiss franc (USD/CHF), a significant accomplishment in a highly competitive G10 currency pair. Ebury also demonstrated its expertise across both developed and emerging markets, achieving third place for the entire Asian region and a top-10 ranking in Bloomberg's highly competitive G10 category. The team also ranked third for the euro/pound sterling (EUR/GBP), one of the most important currency pairs for businesses operating between the UK and Europe. * #1 for US dollar/Swiss franc (USD/CHF) * #2 for New Zealand dollar/US dollar (NZD/USD) and euro/Norwegian krone (EUR/NOK) * #3 for euro/pound sterling (EUR/GBP), US dollar/Canadian dollar (USD/CAD) and Asia (Overall) * #5 for US dollar/Indian rupee (USD/INR) * #9 for G10 (Overall) Matthew Ryan, Head of Market Strategy at Ebury, commented: "Its latest Bloomberg rankings demonstrate the consistency and strength of its forecasting capabilities across both major and emerging market currencies. Securing first place for the US dollar/Swiss franc, alongside top-three rankings in Asia and the euro/pound sterling, highlights the strength of its analytical approach. "These independent rankings reinforce our commitment to providing businesses with timely, accurate market insights that help them make confident decisions in an increasingly complex FX environment." Experience the next-gen financial platform. Open your Ebury Business Account today and unleash your full global potential. Get started
Ebury signs two European football clubs in two days as London listing stays parked. Thursday, 23/07/2026 | 01:52 GMT-7 by Damian Chmiel * The payments firm added Spain's Real Betis and Belgium's Royal Antwerp FC to a sponsorship roster that now spans nine countries. * Ebury's £2B London flotation has slipped twice, and private equity firm Centerbridge is reported to be in advanced talks for a minority stake instead. Ebury signed sponsorship agreements with two European football clubs within two days this week, adding Spain's Real Betis and Belgium's Royal Antwerp FC to a portfolio that already runs from Aston Villa to Botafogo. Neither the London-based payments firm nor the clubs disclosed what either deal is worth. Real Betis named Ebury its Official Transfer Partner under an agreement running from July 1, 2026 to June 30, 2028, signed in Seville by Luis Merino, general manager of Ebury in Spain, and club chief executive Ramón Alarcón. The Royal Antwerp deal, announced Wednesday, promotes Ebury from banking partner, a role it has held since 2024, to Official Partner through 2028. Signage going one way, treasury services going the other. Both agreements bundle branding with a commercial services relationship. Ebury gets a presence across Real Betis's digital and physical channels, and at Antwerp it will appear at Bosuil Stadium and on every incoming transfer announcement. In return, the clubs get access to Ebury's international payments and currency hedging products, which the company said will help them manage cross-border transfers, commercial rights income and multi-currency payroll. That is the same structure Ebury used when it became Official FX Partner of Spanish club C.D. Leganés in November 2024. The Betis agreement also commits both sides to a joint program aimed at businesses in Seville and Andalusia, pitching Ebury's payments and FX products to local companies. Antwerp is offering something similar, with Ebury joining what club partnerships lead Tom Aerts described as "the largest business network in Belgian football." Ebury's football numbers come with no methodology. Ebury said its Sports Finance division now works with six of UEFA's top 50 football clubs and handles transfer-related payments for roughly 10% of Premier League player moves. The declared roster is broader: Aston Villa, Fulham, Rangers, PSV Eindhoven, Parma Calcio 1913, Lech Poznań, FC Copenhagen, AIK and Royale Union Saint-Gilloise, plus the Spanish rugby federation. Ebury also holds deals with Brazil's Botafogo and Southampton FC, and moved into basketball last October with Greek side AS Karditsas. Maurits Zwart, co-head of sport at Ebury, said in the Betis announcement that "modern football operates in a global, competitive market." Payments firms crowd the same touchline. Corpay's cross-border unit renewed its multi-year agreement as official FX payments supplier to SailGP last October, having become New Zealand Football's FX partner in August 2025 and extended its arrangement with West Ham United. Corpay has been supplying SailGP since 2019. In Belgium, Club Brugge signed a five-year deal with cross-border payments firm Neo in August 2025, running to 2030 and covering the club's FX and multi-currency transactions, including transfers, travel and staff payments. Neo had previously worked with Wolverhampton Wanderers on the same basis. Revolut took a different route into the sport, backing Manchester City Women with financial services alongside branding. Retail brokers spend in football and other sports for reach rather than for the client relationship. XTB became a FIBA global partner in April on a deal running to December 2027, and IC Markets has signage arrangements with a dozen LaLiga and Bundesliga clubs. Ebury, Corpay and Neo are all selling the sponsored club a product it will be invoiced for. Listing plans are roughly where they were a year ago. Ebury spent much of the past two years preparing a London flotation at a valuation of about £2 billion (about $2.7 billion), with Goldman Sachs, Barclays and Peel Hunt appointed to advise. The listing was shelved in April 2025 amid tariff-driven market volatility, revived with a second-quarter 2026 target, then pushed back again. Sky News reported in May that Centerbridge Partners was in advanced talks to buy a large minority stake, a transaction that would likely delay any flotation by at least another year. Advent International and Cinven were also reported to have looked at the asset. Santander, Ebury and Centerbridge have not commented publicly on the report. Banco Santander bought 50.1% of Ebury for £350 million in 2019 and later increased its holding. The company reported revenue of £286.5 million and EBITDA of £44.9 million for fiscal 2025, and says it operates more than 45 offices across over 30 regulated markets. Regulators have started asking who is on the shirt. Financial sponsorship of football clubs has drawn regulatory attention this year. The Financial Conduct Authority told clubs in May that they should be running checks on crypto and trading-platform sponsors, after a run of deals with firms marketing high-risk products to retail audiences. Ebury's business sits outside that perimeter, since it sells to corporates rather than consumers, though it has been onboarding FX and CFD brokers as clients since December 2023. The wider category is about to get more crowded regardless: the Premier League's ban on front-of-shirt betting sponsorship takes effect from the 2026-27 season, and panelists at Finance Magnates London Summit 2025 argued that fintech brands were already repositioning to bid for the inventory it frees up. Damian Chmiel is a Senior Analyst & Editor at Finance Magnates with more than 15 years of experience in the CFD and online trading industry. Active as both a trader and journalist since 2010, he focuses on broker coverage, fintech innovation, and regulatory developments across Europe, the Middle East, and Asia. His work includes interviews with C-level leaders at major brokerages and fintech platforms, as well as co-authoring Finance Magnates' quarterly industry benchmarking reports. Damian's reporting is data-driven, market-aware, and grounded in direct industry engagement. His analysis and commentary have also been cited by external media outlets, including Investing.com, Binance, The Asset, Stockhead, and Dispatch. Education: MA in Finance and Accounting, Cracow University of Economics * 3768 Articles * 115 Followers