Job Requirements

Education

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

Experience

• 1–3 years of experience in merchant settlements, payments operations, or financial operations 
• Experience in fintech, payments, or transaction-heavy environments is preferred 
• Exposure to digital assets or cryptocurrency is a plus 

Technical Skills

• Proficiency in Microsoft Excel 
• Familiarity with accounting or ERP systems (e.g., Xero, NetSuite, or similar) 
• Basic understanding of payment processing, settlement  flows, and reconciliation 
• Exposure to digital asset platforms is advantageous 

Competencies

• Strong attention to detail and accuracy 
• Analytical mindset with willingness to learn and  investigate discrepancies 
• Good communication skills, especially when explaining  financial information 
• Strong organisational skills and ability to manage multiple tasks 

Nice to Have

• Exposure to cryptocurrency or digital asset environments 
• Basic understanding of merchant acquiring or payment gateways 
• Familiarity with reconciliation or settlement tools 
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Job Responsibilities

Merchant Settlement Execution & Fund Flow Support

• Support daily merchant settlement processes, ensuring  timely and accurate fund transfers 
• Assist in monitoring settlement flows across payment  processors, banking partners, and internal systems 
• Help prepare settlement amounts, deductions, and net payouts 
• Track settlement cycles (e.g., T+N structures) and escalate delays or inconsistencies 
• Ensure accuracy of fund flow records under supervision 

Settlement Reconciliation & Validation

• Assist in reconciling settlement data across  processors, internal systems, and reports 
• Validate transaction and settlement data across  multiple data sources 
• Identify discrepancies related to settlements, fees, and transaction activity 
• Support investigation and resolution of reconciliation  breaks 

Account Management & Merchant Query Support

• Support Account Management teams with settlement-related queries 
• Assist in responding to merchant queries related to:
  • settlement statements and transaction breakdowns 
  • FX conversions and rate applications 
  • rolling reserves and reserve releases 
  • fees, deductions, and net settlement calculations
  • payout timelines and settlement schedules 
• Provide clear and accurate information to support merchant communication 
• Escalate complex queries where needed 

Account Monitoring & Financial Controls

• Monitor merchant accounts for discrepancies,  outstanding balances, or irregularities 
• Maintain records of rolling reserves and settlement  positions 
• Assist with due diligence checks on merchant financial  data 
• Ensure adherence to internal financial controls and  procedures 
• Escalate risks or inconsistencies to senior team  members 

Reporting & Data Accuracy

• Support preparation of daily and periodic settlement reports 
• Maintain accurate and well-organized settlement  records 
• Assist in identifying discrepancies, trends, or risks 
• Ensure data completeness to support audits and financial reviews 

Process Improvement & Operational Support

• Identify opportunities to improve settlement processes  and reduce manual work 
• Support implementation of process improvements and  automation initiatives 
• Work with team members to improve efficiency and  scalability of operations 

Cross-Team Collaboration

• Collaborate with Finance, Operations, and Account  Management teams 
• Assist in liaising with payment processors and banking  partners 
• Support onboarding of new merchants by aligning  settlement requirements