Company Overview

A growing digital financial services environment is seeking an experienced Banking Operations and Reconciliation Analyst to strengthen its financial transaction management and operational control processes. The organisation is focused on delivering efficient banking services through technology-driven financial operations, accurate reporting, and reliable transaction processing.

Role Summary

The Banking Operations and Reconciliation Analyst will be responsible for monitoring banking transactions, investigating settlement discrepancies, reconciling financial records, and maintaining the accuracy of operational data. This position requires a detail-oriented professional with an understanding of banking procedures, payment settlements, and financial control frameworks.

The successful candidate will work closely with finance, treasury, payment operations, and compliance teams to ensure that banking activities are accurately recorded and operational exceptions are resolved within established timelines.

Key Responsibilities

• Perform daily reconciliation of bank accounts, payment transactions, settlement records, and internal financial ledgers.

• Monitor incoming and outgoing banking transactions to identify processing delays and discrepancies.

• Investigate unmatched transactions, duplicate entries, settlement differences, and account balance inconsistencies.

• Maintain accurate records of banking activities and reconciliation outcomes.

• Coordinate with payment service providers and banking partners to resolve transaction-related issues.

• Prepare daily, weekly, and monthly operational reconciliation reports.

• Support payment settlement monitoring and transaction exception management.

• Identify recurring operational issues and recommend improvements to reconciliation procedures.

• Assist with internal financial audits and provide supporting documentation when required.

• Ensure banking operations follow established internal controls and applicable regulatory procedures.

• Work with technology teams to improve automated reconciliation tools and reporting processes.

Requirements and Qualifications

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

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

• Strong understanding of bank statements, general ledger entries, settlement cycles, and transaction matching.

• Practical knowledge of Excel, financial reporting tools, and reconciliation systems.

• Familiarity with SEPA transfers, payment processing, and European banking operations.

• Experience working with financial databases or automated reconciliation platforms is an advantage.

• Strong numerical accuracy and attention to detail.

• Ability to investigate discrepancies and manage multiple operational priorities.

• Good organisational, documentation, and communication skills.

• Ability to maintain confidentiality when handling financial information.

Benefits

• Fully remote working opportunity within Estonia.

• Exposure to international digital banking and payment operations.

• Opportunities to improve financial operations through automation and technology.

• Professional development within the fintech and banking sector.

• Collaborative working relationships across finance, compliance, and technology departments.

• Flexible remote working practices and a results-oriented professional environment.

Application Instructions

Candidates should submit an updated CV outlining their banking operations, reconciliation, and financial reporting experience. Applicants are encouraged to highlight their familiarity with European payment systems, transaction monitoring, and financial control procedures.

Are you interested in this position?

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

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