Company Overview

We are seeking a detail-oriented Fintech Reconciliation & Settlement Specialist to support the financial operations of a technology-driven financial services environment. The role focuses on transaction reconciliation, payment settlement accuracy, ledger integrity, and the timely resolution of discrepancies across multiple payment channels.

The successful candidate will contribute to reliable financial processing by ensuring that transaction records remain accurate, settlement activities are properly monitored, and operational exceptions are resolved in accordance with established financial controls.

Role Summary

The Fintech Reconciliation & Settlement Specialist will oversee daily reconciliation activities involving digital payments, banking transactions, merchant settlements, and internal financial records. The position requires strong analytical capabilities, an understanding of payment processing infrastructure, and the ability to investigate complex transaction discrepancies.

Key Responsibilities

• Perform daily reconciliation of incoming and outgoing payment transactions across banking channels, payment gateways, and internal ledgers.

• Monitor settlement cycles and investigate delayed, incomplete, duplicated, or incorrectly processed transactions.

• Identify reconciliation breaks and coordinate their resolution with payment operations, finance, and technical teams.

• Review merchant settlement reports and verify transaction-level accuracy before financial closure.

• Maintain accurate records of adjustments, refunds, chargebacks, and settlement exceptions.

• Support the development of automated reconciliation procedures to improve operational efficiency.

• Prepare periodic reconciliation reports highlighting outstanding discrepancies and settlement performance.

• Ensure that financial records comply with internal control requirements and applicable regulatory standards.

Requirements and Qualifications

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

• Previous experience in fintech operations, payment reconciliation, banking operations, or financial settlements.

• Understanding of payment gateways, card transactions, bank transfers, and digital payment processing.

• Strong Excel and financial data analysis capabilities.

• Familiarity with transaction monitoring systems, accounting platforms, and reconciliation tools.

• Excellent numerical accuracy, investigative thinking, and problem-solving abilities.

• Ability to manage multiple reconciliation activities within established deadlines.

Benefits

• Fully remote working opportunity within Estonia.

• Exposure to modern digital payment and financial technology infrastructure.

• Opportunities for professional development in fintech operations.

• Collaborative working environment involving finance and technology professionals.

• Opportunity to contribute to payment automation and operational improvement initiatives.

Application Instructions

Interested candidates should submit an updated CV highlighting relevant experience in payment reconciliation, financial operations, and settlement management. Applications should demonstrate familiarity with digital payment environments and financial control procedures.

Are you interested in this position?

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

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