Company Overview

The organisation operates within the financial technology sector, providing digital financial infrastructure that supports electronic transactions, payment processing and financial account management. Its operations rely on accurate transaction records, reliable settlement procedures and effective coordination between financial institutions and payment service providers.

Role Summary

The Fintech Reconciliation & Settlement Specialist will oversee the accuracy and consistency of financial transactions across payment platforms, banking channels and internal accounting systems. The successful candidate will investigate settlement discrepancies, monitor transaction movements and ensure that financial records are properly reconciled within established operational timelines.

This position requires strong numerical accuracy, analytical thinking and practical knowledge of digital payment environments. The specialist will contribute to improving settlement efficiency, reducing unresolved transaction differences and strengthening the reliability of financial operations.

Key Responsibilities

• Perform daily reconciliation of transactions across banking systems, payment processors and internal financial platforms.

• Monitor incoming and outgoing settlement records to identify incomplete, duplicated or incorrectly processed transactions.

• Investigate discrepancies between payment confirmations, settlement reports and internal transaction databases.

• Maintain accurate reconciliation schedules and supporting financial documentation.

• Coordinate with payment operations teams to resolve outstanding settlement issues.

• Monitor transaction settlement cycles and escalate unusual processing delays.

• Prepare periodic reconciliation reports highlighting outstanding balances and operational exceptions.

• Support the development of improved reconciliation procedures and financial control processes.

• Maintain appropriate records of resolved discrepancies for internal reviews and audit requirements.

• Identify recurring settlement problems and recommend practical corrective measures.

Requirements and Qualifications

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

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

• Understanding of electronic payment systems and transaction processing workflows.

• Strong numerical, analytical and problem-solving abilities.

• Experience working with spreadsheets, financial databases and reconciliation software.

• Familiarity with transaction reporting and financial record management.

• Excellent attention to detail and ability to manage multiple reconciliation tasks.

• Good written and verbal communication skills.

• Ability to work independently in a remote professional environment.

Benefits

• Fully remote working arrangement within Estonia.

• Opportunity to develop specialist expertise in fintech settlement operations.

• Exposure to international payment infrastructure and financial technology systems.

• Professional development and continuous learning opportunities.

• Collaborative working environment with finance and technology professionals.

• Opportunities to contribute to operational improvements and process optimisation.

Application Instructions

Interested candidates should submit an updated CV highlighting relevant experience in financial reconciliation, payment operations or settlement administration. Applications should demonstrate practical knowledge of transaction processing and financial reporting. Shortlisted applicants may be invited to participate in an interview and a role-related assessment.

Are you interested in this position?

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