Financial Analyst

We are seeking a detail-oriented Debit Acquirer Reconciliation Analyst to support critical settlement, reconciliation, and financial control activities within a fast-paced payments environment. This role is responsible for ensuring the accurate reconciliation of network settlements, financial adjustments, fees, and suspense items while maintaining the integrity of financial records.

The ideal candidate will possess strong analytical skills, experience with financial reconciliations, and advanced Excel capabilities. Success in this role requires the ability to investigate discrepancies, perform detailed research, and collaborate with internal stakeholders to ensure timely issue resolution and accurate financial reporting.

Due to the nature of daily settlement activities, availability during morning business hours is highly preferred.

• Perform daily reconciliations of debit network settlements, adjustments, fees, chargebacks, and suspense account activity.
• Ensure all financial adjustments received from payment networks are accurately reflected within internal reconciliation inventories.
• Analyze bank statements, settlement reports, general ledger data, and transaction records to identify and resolve discrepancies.
• Research exceptions and manually resolve reconciliation variances when required.
• Maintain accurate documentation of reconciliation activities, findings, and issue resolutions.

• Monitor and reconcile Wire and ACH settlement activity to ensure timely and accurate processing.
• Provide daily cash projections and communicate funding position updates to Treasury and other stakeholders.
• Support the completion of settlement balancing activities to facilitate timely funding and payment processing.

• Retrieve and analyze operational and financial reports from enterprise systems and databases based on established criteria.
• Validate settlement, fee, and adjustment totals to ensure reporting accuracy.
• Utilize Excel and internal reporting tools to conduct research, reconciliations, and variance analysis.
• Maintain reconciliation workbooks, tracking logs, and supporting documentation.

• Partner with cross-functional teams to investigate and resolve operational and financial issues.
• Escalate significant discrepancies and risks to leadership in a timely manner.
• Identify opportunities to improve reconciliation processes, controls, and operational efficiencies.
• Assist in developing and documenting procedures to support new business initiatives and operational changes.

• Bachelor's degree in Finance, Accounting, Business, Economics, or a related field, or equivalent professional experience.
• Experience performing account reconciliations, financial analysis, or payment operations activities.
• Strong analytical and problem-solving skills with the ability to interpret complex financial data.
• Working knowledge of accounting principles, transaction matching, and reconciliation methodologies.
• Experience using Microsoft Excel, including formulas, data analysis functions, and large datasets.
• Ability to manage multiple priorities in a dynamic, deadline-driven environment.
• Excellent verbal and written communication skills with the ability to collaborate across teams.

• Experience supporting debit card, payment network, merchant acquiring, or financial services operations.
• Familiarity with settlement processing, ACH and wire transactions, chargebacks, and network adjustments.
• Experience navigating mainframe systems and enterprise reporting platforms.
• Advanced Excel skills, including lookups, pivot tables, reconciliation models, and data validation techniques.
• Demonstrated ability to independently research and resolve complex reconciliation issues.
• Strong organizational, time management, and critical-thinking skills.
• Proficiency with Microsoft 365 applications.