Position Overview

We are looking for a detail-oriented Payment Operations & Reconciliation Analyst to support the accurate processing, monitoring, and reconciliation of payment transactions. The role is central to maintaining reliable payment operations, resolving discrepancies, and ensuring that transaction records remain consistent across internal systems, banking partners, payment processors, and settlement reports.

The successful candidate will investigate transaction exceptions, monitor settlement activities, maintain operational records, and work with internal and external stakeholders to resolve payment-related issues. This opportunity is particularly suitable for a professional who understands financial transaction flows and enjoys combining analytical investigation with structured operational work.

Key Responsibilities

• Monitor incoming and outgoing payment transactions and identify processing errors, delays, duplicate entries, and incomplete payments.
• Perform daily reconciliation of payment records against bank statements, processor reports, settlement files, and internal accounting systems.
• Investigate unmatched transactions, settlement differences, chargebacks, refunds, and other payment exceptions.
• Coordinate with banking partners, payment service providers, finance teams, and customer support to resolve outstanding discrepancies.
• Review settlement schedules and monitor the timely completion of payment-related financial movements.
• Maintain accurate records of reconciliations, investigations, adjustments, and resolution activities.
• Prepare daily, weekly, and monthly reports covering transaction volumes, exceptions, outstanding items, and operational performance.
• Escalate unusual transaction patterns, control weaknesses, and potentially suspicious activities to the appropriate teams.
• Assist with operational control reviews, audit requests, and documentation of payment procedures.
• Identify opportunities to improve reconciliation processes through automation, standardisation, and better exception reporting.
• Support testing of system updates that affect payment processing, reporting, and settlement workflows.

Candidate Requirements

• Degree or diploma in Accounting, Finance, Economics, Business Administration, or a related field.
• Two or more years of experience in payment operations, bank reconciliation, settlement processing, accounting operations, or financial services.
• Understanding of payment lifecycles, settlement procedures, refunds, chargebacks, and transaction reconciliation.
• Strong Excel skills and confidence working with large transaction datasets.
• Familiarity with accounting systems, payment platforms, reconciliation tools, or enterprise resource planning software.
• Excellent attention to detail, numerical accuracy, and investigative problem-solving skills.
• Ability to manage time-sensitive tasks and meet operational deadlines.
• Clear written and verbal communication skills in English; Estonian language proficiency is beneficial.

Performance Expectations

Performance will be assessed through reconciliation accuracy, the timely resolution of payment exceptions, adherence to documented controls, quality of reporting, and the reduction of recurring operational discrepancies.

Why This Role Matters

Reliable payment operations are essential to financial accuracy, customer confidence, and business continuity. In this role, you will help maintain the integrity of transaction records, strengthen settlement processes, and support the dependable delivery of payment services within Estonia’s financial technology sector.

Are you interested in this position?

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

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