Company Overview

The organization operates within the fintech and digital payments industry, providing technology-enabled financial services that support electronic transactions, payment processing, and financial account management.

Its operating environment connects digital payment applications, banking partners, merchant services, and financial transaction platforms. Accuracy, transaction transparency, and efficient settlement processes are important to maintaining reliable payment operations.

The organization works with finance professionals, payment specialists, software engineers, and operational teams to support the continuous improvement of its financial infrastructure and transaction management processes.

Role Summary

The Payment Reconciliation Specialist will manage daily reconciliation activities across payment platforms, banking partners, merchant accounts, and internal financial records.

The position focuses on ensuring that payment transactions, settlements, fees, refunds, and account balances are accurately recorded and matched across relevant systems.

The successful candidate will investigate reconciliation differences, identify transaction processing errors, and coordinate resolutions with payment operations, finance, and technical teams.

The role requires strong numerical accuracy, knowledge of payment processing workflows, and the ability to work with large volumes of financial transaction data. The ideal candidate will be comfortable using reconciliation tools, spreadsheets, and financial reporting systems to maintain accurate operational records.

Key Responsibilities

• Perform daily reconciliation of incoming and outgoing payment transactions across connected financial platforms.

• Match internal transaction records against bank statements, payment processor reports, and settlement files.

• Investigate unmatched transactions, duplicate entries, missing settlements, and balance discrepancies.

• Monitor merchant settlements and verify that payment proceeds are accurately reflected in financial records.

• Reconcile refunds, chargebacks, transaction fees, and other payment adjustments.

• Identify recurring reconciliation exceptions and work with relevant teams to establish corrective measures.

• Maintain detailed records of reconciliation activities, outstanding differences, and completed adjustments.

• Coordinate with payment providers and banking partners to resolve settlement-related discrepancies.

• Support month-end and periodic financial closing activities through accurate transaction reporting.

• Review transaction data for inconsistencies that may indicate processing failures or operational weaknesses.

• Prepare reconciliation summaries and exception reports for finance and operations stakeholders.

• Assist with improving automated reconciliation procedures and reducing manual processing requirements.

• Participate in testing payment platform updates that affect transaction recording and settlement processes.

• Maintain operational documentation covering reconciliation procedures, exception handling, and reporting standards.

• Ensure that reconciliation activities follow established internal financial controls and applicable compliance procedures.

Requirements and Qualifications

• Bachelor’s degree in Accounting, Finance, Banking, Business Administration, or a related discipline.

• At least three years of professional experience in payment reconciliation, financial operations, accounting, or transaction processing.

• Strong understanding of electronic payments, bank transfers, settlement processes, and merchant transactions.

• Experience reconciling high-volume financial transaction records.

• Proficiency in Microsoft Excel, including lookup functions, pivot tables, and financial data analysis.

• Familiarity with payment gateways, acquiring platforms, banking systems, or payment service providers.

• Understanding of refunds, chargebacks, settlement fees, and transaction adjustments.

• Experience using accounting software, reconciliation platforms, or financial operations systems.

• Basic SQL knowledge and experience working with structured financial data are advantageous.

• Strong numerical accuracy and attention to detail.

• Ability to investigate complex financial discrepancies and communicate findings clearly.

• Good organizational skills and the ability to meet daily reconciliation deadlines.

• Understanding of financial controls and transaction documentation requirements.

Benefits

• Fully remote working arrangement within Estonia.

• Competitive compensation based on experience and relevant qualifications.

• Opportunity to work with modern payment processing and reconciliation technologies.

• Professional development in digital payments, financial operations, and transaction management.

• Exposure to banking integrations, merchant acquiring, and international payment workflows.

• Collaborative environment with finance, payment operations, and technology professionals.

• Access to digital systems and resources that support efficient remote work.

Application Instructions

Candidates should submit an updated CV outlining their experience in payment reconciliation, transaction processing, accounting, or financial operations.

Applications should highlight practical experience matching financial transactions, investigating settlement discrepancies, managing reconciliation exceptions, and preparing financial reports. Experience with payment processors or digital payment platforms will be an advantage.

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

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