BUSINESS OPERATIONS ANALYST

Business Operations Analyst in a Money Exchange

oversees daily branch activities, ensures strict compliance with anti-money laundering (AML) and local financial regulations, manages cash inventory and foreign currency rates, and leads frontline staff across multiple store locations to hit financial targets

Oversee the daily operations of retail outlets to ensure smooth business operations.

Develop and implement operational policies, procedures, and business strategies.

Monitor sales performance and achieve revenue and profitability targets.

Manage store managers and retail staff, including recruitment, training, scheduling, and performance evaluations.

Ensure high standards of customer service and resolve customer complaints effectively.

Monitor inventory levels, stock replenishment, and supplier coordination.

Ensure compliance with company policies, health and safety regulations, and relevant Singapore regulations.

Prepare operational reports, sales analysis, budgets, and forecasts for management.

Plan and execute promotional campaigns and marketing activities to increase sales.

Improve operational efficiency, cost control, and productivity across all retail locations.

Coordinate with finance, HR, procurement, and logistics departments to support business operations.

Identify business opportunities and recommend strategies for business growth.

(FX/Fintech firm) analyzes transaction data, reviews operational workflows, and optimizes processes. They focus on reducing transaction costs, increasing settlement speeds, and identifying inefficiencies across retail, corporate.

Compliance & Risk: Ensure strict adherence to Anti-Money Laundering (AML), Know Your Customer (KYC), and Counter-Terrorism Financing (CTF) laws.

Vendor & Partner Management: Coordinate with partner banks, liquidity providers, and remittance networks.

Team Leadership: Supervise cashiers, customer service personnel, and branch supervisors across single or multiple locations.

Process Optimization: Improve transaction speeds, reduce operational costs, and implement secure forex or remittance software

1. Data Analytics & Reporting

• Monitor transaction volumes across various currency pairs and corridors.
• Analyze margin spreads to identify profitability leaks in daily trading.
• Create operational dashboards tracking key metrics for senior management.
• Forecast liquidity needs for specific currencies based on historical trends.

2. Process Optimization

• Map end-to-end workflows from client trade execution to final settlement.
• Identify settlement bottlenecks causing delays in fund payouts.
• Recommend automation solutions to replace manual data entry steps.
• Collaborate with product teams to improve digital remittance platform UX.

3. Vendor & Cost Management

• Audit correspondent bank fees to ensure accurate billing structures.
• Evaluate payout network performance based on speed, cost, and reliability.
• Analyze counterparty risks and settlement limits across banking partners.
• Benchmark transaction costs against industry competitors to find savings.

Key Requirements & Qualifications

Skills & Experience

• Experience: 4 years as an Operations Analyst, preferably in FX or payments.
• Technical: Advanced MS Excel, SQL, and data visualization tools
• Domain: Solid understanding of SWIFT, cross-border payments, and clearing systems.

Soft Skills

• Analytical: Strong ability to spot trends within massive, unstructured datasets.
• Problem-Solving: Methodical approach to diagnosing operational failures.
• Communication: Ability to translate complex data findings into simple business terms.

Experience: 4years in retail operations, treasury, banking, or fintech, with emphasis on cash management or multi-site oversight.

Regulatory Knowledge: Deep familiarity with local financial audits and compliance frameworks.

Skills: Strong analytical capabilities for P&L tracking, risk management, and problem-solving.