Company Overview

A growing fintech organisation is seeking a detail-oriented Digital Payments Reconciliation Officer to strengthen its financial operations department. The organisation provides technology-enabled payment solutions designed to support efficient electronic transactions, merchant services, and digital financial management.

The company focuses on operational accuracy, reliable payment processing, and transparent financial reporting across its payment infrastructure.

Role Summary

The Digital Payments Reconciliation Officer will oversee the reconciliation of electronic payment transactions, settlement records, merchant accounts, and internal financial records. The position requires strong numerical accuracy and an understanding of payment processing workflows.

The successful candidate will work with payment operations, accounting, treasury, and technical teams to investigate discrepancies and ensure that payment records remain accurate and complete.

Key Responsibilities

• Perform daily reconciliation of electronic payment transactions and settlement records.

• Compare payment processor statements with internal transaction databases and financial ledgers.

• Investigate missing payments, duplicate transactions, settlement differences, and unmatched entries.

• Monitor merchant settlement activities and identify processing discrepancies.

• Maintain accurate reconciliation schedules and supporting financial documentation.

• Coordinate with payment service providers to investigate unresolved settlement issues.

• Prepare daily, weekly, and monthly reconciliation reports.

• Assist with the monitoring of refunds, chargebacks, reversals, and transaction adjustments.

• Identify recurring payment discrepancies and recommend corrective measures.

• Collaborate with accounting and finance teams to maintain accurate financial records.

• Support internal audits and provide reconciliation evidence when required.

• Contribute to improvements in automated payment matching and reporting procedures.

• Ensure compliance with internal financial control and documentation standards.

Requirements and Qualifications

• Bachelor’s degree in Accounting, Finance, Banking, Economics, or a related field.

• Experience in payment reconciliation, financial operations, accounting, or fintech services.

• Understanding of electronic payment processing and merchant settlement procedures.

• Familiarity with SEPA transfers, card payment processing, and digital payment platforms.

• Strong Excel skills and experience with financial reporting systems.

• Knowledge of accounting principles and transaction matching procedures.

• Experience with reconciliation software or financial databases is an advantage.

• Excellent numerical accuracy and analytical capabilities.

• Strong organisational and time-management skills.

• Ability to investigate discrepancies and manage operational deadlines.

• Professional communication and documentation skills.

Benefits

• Fully remote working opportunity within Estonia.

• Exposure to international digital payment operations.

• Opportunity to develop specialised fintech financial operations expertise.

• Professional development and continuous learning opportunities.

• Collaboration with payment, accounting, and technology professionals.

• Opportunity to contribute to the improvement of digital financial infrastructure.

Application Instructions

Interested candidates should submit an updated CV highlighting their experience in payment reconciliation, financial accounting, or digital payment operations. Applicants should demonstrate familiarity with transaction settlements, financial reporting, and payment discrepancy investigations.

Are you interested in this position?

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

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