Company Overview

An international financial technology organisation is expanding its financial operations infrastructure to support digital payments, banking services, multi-currency transactions, and cross-border financial activities. Its operational environment requires accurate transaction processing, reliable financial records, and effective coordination between banking partners, payment providers, and internal finance teams.

The organisation is seeking a Senior Financial Operations & Reconciliation Specialist to oversee transaction reconciliation, investigate financial discrepancies, and strengthen the accuracy of operational reporting. The successful candidate will bring practical experience in financial services operations, payment reconciliation, and transaction control within a technology-driven environment.

Role Summary

The Senior Financial Operations & Reconciliation Specialist will manage daily reconciliation activities across payment channels, bank accounts, settlement accounts, and internal financial systems. The position requires strong knowledge of transaction lifecycles, financial recordkeeping, exception management, and operational controls.

Working with payment operations, treasury, accounting, and technology teams, the specialist will ensure that financial records remain accurate, unresolved discrepancies are investigated, and reconciliation processes operate efficiently.

Key Responsibilities

• Manage daily reconciliation activities involving bank accounts, payment processors, settlement accounts, and internal transaction systems.

• Compare transaction records across multiple financial platforms to identify inconsistencies and unmatched entries.

• Investigate discrepancies involving missing transactions, duplicate entries, incorrect amounts, fees, and settlement differences.

• Monitor payment inflows and outflows to ensure accurate recording across operational systems.

• Reconcile card transactions, electronic transfers, merchant settlements, and other supported payment activities.

• Review transaction reports and bank statements to verify financial movements.

• Coordinate with banking partners and payment service providers to resolve outstanding reconciliation issues.

• Maintain accurate reconciliation schedules, exception logs, and supporting financial documentation.

• Monitor unresolved items and ensure discrepancies are escalated and resolved within established timelines.

• Support month-end and period-end financial closing activities.

• Collaborate with accounting teams to ensure operational transaction records agree with financial ledger balances.

• Investigate recurring reconciliation failures and recommend improvements to transaction processing procedures.

• Assist with the testing of automated reconciliation tools and financial operations systems.

• Prepare daily, weekly, and monthly operational reports covering reconciliation performance and outstanding exceptions.

• Maintain compliance with internal financial controls, documentation standards, and operational procedures.

Requirements and Qualifications

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

• At least 4 years of experience in financial operations, payment reconciliation, banking operations, or accounting operations.

• Strong understanding of payment transaction lifecycles and financial reconciliation procedures.

• Experience reconciling bank statements, payment processor reports, settlement records, and internal ledgers.

• Knowledge of SEPA transfers, card payment processing, and electronic financial transactions.

• Familiarity with payment operations platforms, accounting systems, or enterprise resource planning software.

• Advanced Microsoft Excel skills, including data analysis and reconciliation techniques.

• Experience with SQL or automated reconciliation tools is advantageous.

• Strong analytical abilities and attention to numerical accuracy.

• Ability to investigate complex discrepancies and coordinate resolutions across departments.

• Excellent documentation, communication, and organisational skills.

• Professional fluency in English; additional European languages are beneficial.

Benefits

• Fully remote working opportunity within Estonia.

• Opportunity to contribute to international financial operations.

• Exposure to modern payment processing and automated reconciliation infrastructure.

• Collaboration with finance, banking, and technology professionals.

• Professional development in financial operations and payment technology.

• Flexible working arrangements within an international fintech environment.

Application Instructions

Interested candidates should submit an updated CV highlighting their financial operations and reconciliation experience. Applicants should include details of payment systems handled, reconciliation responsibilities, financial reporting experience, and examples of operational improvements delivered.

Are you interested in this position?

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

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