Company Overview

The organization operates within the financial technology sector, supporting digital payment infrastructure and financial transaction processing for businesses and institutional clients. Its operations focus on secure payment execution, reliable settlement processes, and accurate financial reporting across multiple payment channels.

The company is committed to maintaining operational transparency, improving financial data quality, and ensuring that payment transactions are processed in accordance with established regulatory and internal control requirements. Its technology-driven environment encourages collaboration between finance, engineering, compliance, and operational teams.

Role Summary

The Fintech Settlement Reconciliation Specialist will be responsible for monitoring, reconciling, and investigating financial transactions across payment processors, banking partners, internal ledgers, and settlement systems.

This position is suited to a detail-oriented finance professional with experience in payment reconciliation, transaction monitoring, and financial operations. The successful candidate will help maintain accurate settlement records, identify discrepancies, and support the timely resolution of payment exceptions.

Working remotely from Estonia, the specialist will collaborate with cross-functional teams to improve reconciliation procedures, strengthen financial controls, and support the accuracy of the organization’s payment infrastructure.

Key Responsibilities

• Perform daily reconciliation of payment transactions, settlement files, bank statements, and internal financial ledgers.

• Investigate discrepancies involving incomplete settlements, duplicate transactions, incorrect transaction references, and delayed payment postings.

• Monitor settlement balances and identify unusual movements that require further investigation.

• Coordinate with payment operations, finance, and technical teams to resolve reconciliation exceptions.

• Maintain accurate records of outstanding settlement items and ensure that unresolved discrepancies are appropriately escalated.

• Review transaction reports and processor statements to verify the accuracy of payment records.

• Support the preparation of daily, weekly, and monthly settlement reconciliation reports.

• Identify recurring reconciliation issues and recommend improvements to existing financial processes.

• Assist with month-end closing activities, including settlement adjustments and supporting documentation.

• Contribute to the development of automated reconciliation procedures and more efficient financial reporting workflows.

Requirements and Qualifications

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

• Previous experience in payment operations, financial reconciliation, accounting operations, or transaction processing.

• Understanding of payment settlement cycles, financial ledgers, and transaction lifecycle management.

• Strong Excel or Google Sheets skills, including data comparison, lookup functions, and financial reporting.

• Experience working with financial systems, payment platforms, reconciliation tools, or ERP software.

• Ability to investigate financial discrepancies and maintain accurate supporting documentation.

• Strong analytical skills and a structured approach to problem-solving.

• Excellent written communication and the ability to collaborate effectively in a remote environment.

• Familiarity with SQL, payment APIs, or automated reconciliation tools is an advantage.

• Professional working proficiency in English.

Benefits

• Fully remote working arrangement within Estonia.

• Opportunity to develop expertise in digital payments and fintech financial operations.

• Collaborative environment involving finance, technology, and payment infrastructure teams.

• Access to professional development and relevant industry training.

• Opportunities to contribute to process automation and operational improvement initiatives.

• Flexible working practices supported by clear performance expectations.

• Long-term professional development within the financial technology sector.

Application Instructions

Interested candidates should submit an updated CV outlining their experience in financial reconciliation, payment operations, or accounting processes.

Applicants are encouraged to highlight their experience with transaction matching, settlement investigations, financial reporting, and reconciliation systems.

Candidates with relevant fintech or payment processing experience are particularly encouraged to apply. Applications will be reviewed based on professional experience, analytical capabilities, and alignment with the responsibilities of the position.

Are you interested in this position?

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

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