Job Summary
The Finance & Reconciliation Associate supports daily finance operations, payments processing, reconciliations, settlements, reporting and month-end activities while ensuring accurate financial records and timely resolution of exceptions.
The role is responsible for maintaining accurate bank, wallet, processor and general-ledger records, supporting customer transaction reconciliations, monitoring settlements, maintaining Accounts Payable and Accounts Receivable schedules, and assisting with tax, audit and management reporting activities.
The role works closely with Operations, Engineering, Treasury, banks and payment partners and supports ongoing Finance automation and process improvements. The role reports to the Financial Accountant / Settlement & Reconciliation Analyst.
Key Responsibilities
1. Daily Reconciliation & Settlement
- Perform daily bank, wallet, payment processor and general-ledger reconciliations.
- Reconcile customer deposits, withdrawals and bill-payment transactions.
- Reconcile customer deposit GL balances to underlying transaction records.
- Investigate reconciliation breaks, unmatched transactions and settlement differences.
- Escalate unresolved reconciliation discrepancies promptly.
- Prepare daily settlement schedules and monitor settlement status.
- Maintain reconciliation trackers and supporting schedules.
- Ensure reconciliation differences are properly documented and followed through to resolution.
2. Payments & Finance Operations
- Perform and support daily payment processing.
- Ensure payments are appropriately recorded and supported with required documentation.
- Download and review bank statements for Finance processing and reconciliation.
- Prepare daily bank-balance reports.
- Post bank transactions to the appropriate general-ledger accounts.
- Support daily monitoring of bank, wallet and provider balances.
- Coordinate with Treasury, Operations and payment partners on settlement or payment exceptions.
3. Accounts Payable & Accounts Receivable
- Maintain Accounts Payable invoices and supporting documentation.
- Support Accounts Payable reconciliations and payment schedules.
- Maintain Accounts Receivable schedules and reconciliations.
- Investigate outstanding or unmatched AP and AR balances.
- Ensure Finance records and supporting documents are properly maintained.
4. Month-End Close & Financial Reporting
- Prepare month-end bank, wallet, processor and balance-sheet reconciliation schedules.
- Support the preparation of month-end financial statements and management reports.
- Assist with general-ledger reviews and month-end adjustments.
- Prepare supporting schedules required for monthly and quarterly reporting.
- Generate daily, weekly and monthly Finance reports and dashboards.
- Ensure month-end reconciliation schedules are complete and properly supported.
5. Tax & Audit Support
- Support preparation of tax filings, including VAT, WHT and other applicable statutory filings.
- Prepare supporting schedules and documentation required for tax submissions.
- Prepare audit support files and respond to Finance document requests.
- Maintain proper Finance documentation and audit evidence.
- Ensure transaction records and reconciliations are readily available for audit review.
6. Pricing Monitoring & Revenue Support
- Monitor provider and product pricing for approved changes.
- Update Finance pricing trackers and relevant records.
- Support validation of transaction fees and provider charges.
- Escalate pricing discrepancies or unexpected charges.
- Assist with Finance reviews of revenue, direct costs and settlement fees where required.
- Review OTC Trades, and ensure settlement and revenue assurance
7. Finance Automation & Process Improvement
- Assist with testing reconciliation automation and Finance process improvements.
- Support validation of automated reconciliation outputs against source data.
- Identify recurring manual processes and reconciliation issues that can be improved or automated.
- Partner with Engineering and Data teams to investigate Finance data or system discrepancies.
- Support improvements to Finance reporting, reconciliation trackers and dashboards.
8. Cross-Functional Coordination
- Coordinate with Operations, Engineering, Treasury, banks and payment partners to resolve Finance and reconciliation issues.
- Follow up on settlement delays, transaction exceptions and unmatched balances.
- Maintain clear documentation of open issues and resolution status.
- Escalate material Finance or reconciliation exceptions to the appropriate team lead.
Qualifications
- Bachelor's degree in Accounting, Finance, Economics or a related field.
- 2–5 years of experience in Finance, accounting, reconciliation, audit or a related role.
- Chartered Accountant qualification such as ACA/ACCA, or currently pursuing professional certification, is an advantage.
- Strong Excel skills, including XLOOKUP, Pivot Tables, SUMIFS and data reconciliation techniques.
- Good understanding of bank reconciliations, general-ledger accounting and Finance operations.
- Strong analytical and problem-solving skills.
- Good written and verbal communication skills.
- High attention to detail and ability to investigate transaction discrepancies.
- Strong documentation and record-keeping skills.
- Willingness to learn and contribute to Finance automation and process improvement initiatives.
- Ability to work effectively across Operations, Treasury, Engineering and external payment partners.
