Company Overview

An expanding digital financial services environment is strengthening its financial operations capabilities to support reliable transaction processing, settlement management, and payment reconciliation. Its operational activities cover digital payments, merchant transactions, financial transfers, and multi-currency processing.

Role Summary

The Fintech Settlement Operations Analyst will support the daily administration, monitoring, and reconciliation of settlement activities across digital payment systems. The role involves investigating transaction discrepancies, monitoring settlement cycles, reviewing financial records, and ensuring that payment movements are accurately reflected across internal systems and external financial partners.

The successful candidate will contribute to operational accuracy, transaction transparency, and the timely resolution of settlement-related issues.

Key Responsibilities

• Monitor daily settlement activities across payment gateways, acquiring platforms, and financial service providers.

• Reconcile transaction records against settlement reports received from banks and payment processors.

• Investigate discrepancies involving transaction amounts, processing fees, refunds, chargebacks, and settlement balances.

• Track settlement timelines and identify delayed or incomplete payment transfers.

• Review transaction batches and settlement files for accuracy and completeness.

• Maintain accurate operational records of merchant settlements and payment movements.

• Coordinate with banking partners and payment providers to resolve settlement exceptions.

• Prepare daily, weekly, and monthly settlement performance reports.

• Monitor transaction reversals, failed settlements, and outstanding reconciliation items.

• Support the review of foreign currency settlement differences and exchange rate adjustments.

• Escalate unusual transaction patterns and unresolved financial discrepancies.

• Recommend improvements to settlement workflows, reporting procedures, and reconciliation controls.

Requirements and Qualifications

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

• At least 3 years of experience in financial operations, payment reconciliation, or settlement administration.

• Strong understanding of payment processing, transaction settlement, and reconciliation procedures.

• Familiarity with SEPA transfers, card payment settlements, and merchant acquiring operations.

• Advanced Excel or Google Sheets skills.

• Experience using financial management systems, payment dashboards, or reconciliation software.

• Strong numerical accuracy and analytical problem-solving abilities.

• Good understanding of financial controls and operational risk procedures.

• Ability to manage multiple reconciliation activities and meet reporting deadlines.

• Experience in a fintech, banking, or payment processing environment is preferred.

Benefits

• Fully remote working arrangement within Estonia.

• Opportunity to develop expertise in digital payment operations.

• Exposure to international payment networks and settlement infrastructure.

• Collaborative working relationships with finance and payment technology professionals.

• Access to relevant operational systems and professional development resources.

• Flexible working arrangements and opportunities for career progression.

Application Instructions

Candidates should submit an updated CV highlighting their experience in settlement operations, payment reconciliation, financial reporting, and transaction processing. Relevant experience with payment service providers, banking systems, and multi-currency transactions should be clearly demonstrated.

Are you interested in this position?

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

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