ATM CDM Reconciliation Officer - First Bank UAE

ATM & CDM Reconciliation Officer - First Abu Dhabi Bank - Abu Dhabi, UAE

This role supports the full reconciliation lifecycle of FAB's ATM and CDM network. It focuses on resolving disputes, maintaining GL accuracy, managing exceptions, and ensuring timely closure of customer and settlement cases. The position requires strong analytical judgment, precision, and adherence to strict timelines due to the risk-sensitive nature of ATM/CDM operations.

• Country: UAE
• City:
  Abu Dhabi
• Industry: Banking
• Function:
  Operations
• Salary:  monthly (Market estimated)
• Gender: Any
• Candidate Nationality:
  Any
• Job Type: Full-time

• Handle end-to-end ATM/CDM reconciliation activities according to the bank's Reconciliation and Exception Management guidelines.
• Identify shortages and overages, investigate discrepancies, and prepare cases for settlement.
• Reconcile all ATM and CDM-related General Ledger accounts, ensuring accuracy and early detection of risk-exposed funds.
• Upload GL, ODS, and EJ files into Intelli Match and run automated matching; escalates failures immediately.
• Raise shortage/overage entries for approval and track posting through the relevant teams.
• Coordinate with Payments, CIT vendors, ITD, and Records Management for roll retrieval, EJ issues, and settlement updates.

• Resolve ATM/CDM customer complaints through CRM, Central Bank cases, chargeback requests, and card dispute workflows.
• Ensure all complaint responses meet defined turnaround times.
• Provide accurate transaction details to support UAE Central Switch settlement queries.

• Ensure daily RAG files are submitted for ATM and CDM reconciliation.
• Monitor exceptions on Intelli Match and escalates items according to BAU and risk thresholds.
• Advise Core Processing on settlement, GL postings, and customer account adjustments.
• Maintain complete and accurate documentation and reporting for audit readiness.

• Identify operational risks and ensure adherence to control procedures.
• Escalate high-value or time-critical exceptions in line with the escalation matrix.
• Follow up on pending items and ensure accurate status updates in the reconciliation system.
• Support continuity by covering additional responsibilities during staff leave or peak load days.

• Provide recommendations to enhance accuracy, productivity, and cost-efficiency.
• Adopt best practices for faster case closure and improved customer experience.
• Support automation, process refinement, and sustainability initiatives.

• Bachelor's degree in Accounting, Finance, Commerce, or Business.
• 1-3 years' banking experience, including 2 years in ATM/CDM or card reconciliation roles.
• Hands‑on experience with Intelli Match or similar reconciliation systems.
• Understanding of ATM/CDM GL flows, settlement processes, and dispute handling.
• Strong numerical accuracy, investigative skills, and decision‑making ability.
• Ability to work under strict timelines with variable daily workload.
• Good communication and reporting skills.
• High attention to detail and commitment to operational integrity.

• Reconciliation and settlement GL balancing and exception handling
• Intelli Match operations
• Analytical problem‑solving
• Vendor coordination (CIT IT)
• Customer dispute resolution
• Risk control and escalation
• Record management comprehension

FAB offers a fast-paced operations environment where accuracy and process excellence directly protect the bank's financial integrity. This role provides strong career growth in operations, reconciliation, and risk management across the UAE's largest financial institution.

First Abu Dhabi Bank is the UAE's largest and one of the world's safest financial institutions. With innovation and operational excellence at its core, FAB provides employees with a high-performing, collaborative environment and opportunities for long‑term career development.