About the Role

We are looking for an analytical Acquiring Operations Analyst to support merchant acquiring activities, card transaction processing, settlement monitoring, and operational performance across a digital payments environment.

Merchant acquiring involves enabling businesses to accept electronic payments and ensuring that transactions move correctly through the acquiring and settlement process. This position focuses on monitoring those processes, investigating exceptions, reconciling financial records, and coordinating with acquiring partners to maintain reliable payment services.

The successful candidate will have a practical understanding of payment operations and the ability to investigate discrepancies using transaction-level data. You will work with finance, risk, compliance, technical operations, and external payment partners to support accurate settlement, effective dispute handling, and continuous operational improvement.

Principal Responsibilities

Acquiring and Transaction Operations

• Monitor card acquiring activity across supported merchant channels and payment processing systems.
• Review transaction authorisation, capture, clearing, reversal, refund, and settlement statuses.
• Investigate declined or incomplete transactions, processing errors, duplicate entries, and unexpected transaction outcomes.
• Coordinate with acquiring banks, processors, and payment networks to investigate technical or operational processing issues.
• Support the operational implementation of new merchant accounts, payment channels, and acquiring arrangements.
• Review transaction reports to identify processing inconsistencies, service interruptions, and recurring operational exceptions.

Settlement and Reconciliation

• Reconcile acquiring transaction records against processor statements, settlement reports, bank credits, and internal ledgers.
• Validate settlement amounts after accounting for refunds, chargebacks, processing fees, and other authorised adjustments.
• Monitor expected settlement dates and investigate late, incomplete, or unexplained settlement movements.
• Maintain accurate reconciliation schedules and track outstanding discrepancies through to resolution.
• Support daily and month-end settlement reporting, ensuring that material differences are documented and explained.
• Escalate financial discrepancies and operational incidents according to established materiality and risk thresholds.

Disputes and Operational Controls

• Assist with the administration and investigation of card payment disputes and chargeback-related cases.
• Coordinate the collection of transaction evidence and supporting records for relevant dispute workflows.
• Monitor case deadlines and ensure that operational responses are completed within applicable timeframes.
• Maintain clear records of transaction investigations, settlement adjustments, and communication with acquiring partners.
• Support compliance with internal procedures and applicable card-network, payment-processing, and data protection requirements.
• Identify control weaknesses and recommend practical improvements to transaction handling and settlement processes.

Performance Analysis

• Prepare reports covering transaction volumes, processing success rates, settlement exceptions, dispute activity, and operational service levels.
• Analyse recurring transaction issues and recommend measures to reduce processing errors and settlement delays.
• Assist with operational testing of acquiring system changes and new payment integrations.
• Work with technical teams to investigate discrepancies between acquiring platforms and internal reporting systems.

Qualifications and Experience

• Degree or equivalent professional experience in Finance, Economics, Accounting, Banking, Business Analytics, or a related field.
• Experience in card payments, acquiring operations, payment processing, financial reconciliation, or transaction monitoring.
• Understanding of card payment lifecycles, clearing and settlement, refunds, reversals, and chargebacks.
• Proficiency in Excel and the ability to analyse large transaction datasets.
• Familiarity with payment processors, acquiring platforms, merchant portals, or financial reporting tools.
• Strong analytical reasoning and the ability to investigate discrepancies methodically.
• Excellent record-keeping, prioritisation, and stakeholder communication skills.
• A commitment to confidentiality, financial accuracy, and operational control.

Preferred Experience

Knowledge of Visa or Mastercard acquiring processes, PCI DSS principles, SEPA payment operations, ISO 8583 messaging, or payment reconciliation systems is an advantage. Experience with SQL or business intelligence tools would be beneficial.

Measures of Success

Key performance indicators include settlement reconciliation accuracy, time taken to resolve processing exceptions, adherence to dispute deadlines, transaction reporting quality, and reductions in recurring operational discrepancies.

Ideal Candidate: An analytical payments specialist who understands acquiring operations from transaction processing through settlement and can maintain strong controls in a fast-moving financial technology environment.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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