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Pay.com is a payment orchestration and acquiring platform that provides online merchants with a central hub to accept, route, optimize, and manage payments worldwide.
We are seeking a Reconciliation Team Lead to lead our Reconciliation team within Finance Operations at our Limassol office in Cyprus.
Key Responsibilities:
- Lead, supervise, and develop the Reconciliation team, allocating work, reviewing output, and serving as the main point of escalation.
- Oversee daily, weekly, and monthly reconciliations of transactions and balances across acquirers, PSPs, card schemes, and bank accounts, ensuring accuracy and timeliness.
- Review and sign off on merchant settlement and payout reconciliations, verifying amounts reflect processed volumes, agreed pricing, fees, refunds, chargebacks, and reserves.
- Oversee interchange and scheme fee validation, investigating and resolving discrepancies.
- Own safeguarding reporting, monitoring daily safeguarded merchant funds and escalating any breaks promptly.
- Assist in setting up reconciliation processes, procedures, and flows for orchestration activities and banking operations ahead of go-live.
- Oversee daily bank account reconciliations, including merchant accounts, as banking operations launch.
- Investigate and resolve complex and aged breaks, maintaining complete records and audit trails.
- Establish and maintain reconciliation procedures and documentation, driving continuous process improvement.
- Serve as the main point of contact for reconciliation matters with internal teams and external partners.
- Support month-end close and audit requests.
Requirements:
- Bachelor's degree in Accounting, Finance, Economics, or a related field.
- 5+ years of experience in reconciliation, payments, finance operations, or similar role, including at least 2 years leading a team.
- Experience within a PSP, FinTech, or EMI environment preferred; banking or financial services background also considered.
- Strong understanding of banking and payment flows, including settlement cycles, merchant payouts, chargebacks, and reserves.
- Experience with card payments or acquiring, including interchange and scheme fees, is an advantage.
- Proven experience setting up or improving reconciliation processes and procedures.
- Advanced Excel skills and confidence working with large volumes of data.
- Strong analytical and problem-solving skills with high attention to detail.
- Strong leadership skills with ability to motivate and develop a team in a fast-paced environment.
- Well organized with ability to prioritize and meet deadlines.
- Excellent communication skills and ability to work with stakeholders at all levels.
- Fluent in English, both written and verbal.
