Position Overview

We are seeking a detail-oriented Fintech Payment Reconciliation Analyst to support the accuracy and integrity of payment transactions across digital financial platforms. The successful candidate will monitor transaction records, reconcile settlement reports, investigate discrepancies, and coordinate with internal teams and external payment partners to ensure that financial records remain complete and accurate.

This position is suited to a professional with strong numerical skills, an analytical mindset, and an interest in payment infrastructure. You will contribute to the reliability of daily financial operations by identifying discrepancies early, resolving outstanding items, and strengthening reconciliation procedures.

Key Responsibilities

• Reconcile payment transactions across internal ledgers, bank statements, payment gateways, and settlement reports.

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

• Monitor daily transaction volumes and maintain accurate records of outstanding reconciliation items.

• Coordinate with payment providers, banking partners, finance teams, and customer operations to resolve discrepancies.

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

• Identify recurring transaction errors and recommend improvements to reconciliation processes.

• Maintain supporting documentation for adjustments, refunds, settlement corrections, and audit reviews.

• Assist with testing payment system updates and validating transaction data following technical changes.

• Escalate unresolved discrepancies and potential financial risks according to internal procedures.

Candidate Requirements

• A degree or equivalent practical experience in Accounting, Finance, Banking, Economics, or a related field.

• Experience in payment operations, reconciliation, accounting support, or financial administration.

• Strong Excel skills and the ability to work confidently with large transaction datasets.

• Understanding of payment processing, settlement cycles, refunds, chargebacks, and financial ledgers.

• Familiarity with SQL, reporting dashboards, or automated reconciliation systems is an advantage.

• Excellent numerical accuracy, investigative ability, and attention to detail.

• Strong written communication and documentation skills.

• Awareness of financial controls, audit requirements, and GDPR principles.

Performance Expectations

The successful candidate will be expected to maintain reconciliation accuracy, resolve exceptions within agreed timelines, produce reliable reports, and contribute to reducing recurring transaction discrepancies.

Why This Opportunity?

This position offers practical experience in digital payments and financial operations within Estonia’s technology sector. It provides a strong foundation for further development in payment operations, treasury, financial control, or fintech risk management.

Are you interested in this position?

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

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