Manigo is a fast growing fintech business that provides Payments and Cards as a Service.
We offer a full white label turnkey solution to enable businesses to easily introduce financial services into their product offering.
We are the only digital banking enabler in the region that cover the whole value chain of the offering, from backend card and payment processing, to middleware and integrations, to frontend applications.
Manigo is experiencing fast growth from clients across Europe, as the digital transformation in banking and adoption of embedded finance are accelerating.
In order to expand our team, we are looking for:
Payments Operations/reconciliation Specialist
We are looking for a talented and dedicated Payments Operations / Reconciliations Specialist to provide experienced support for the day to day financial operations with a proven ability to work with minimal supervision. You are interested in financial technology and innovation in the payments / card issuing space and are looking for an opportunity to join a team of smart and passionate people, working on a product that has large scope for disruption, rooted in cutting edge technology.
As our Payments Operations / Reconciliations Specialist you will be within the Finance Team and primarily responsible for anything to do with the financial operations of the company and customer funds. This involves having a solid understanding of how the funds flow within the firm coupled with high attention to detail. Previous hands-on experience within the card issuing / processing space is essential.
Duties and Responsibilities
- Reconcile customer accounts to ensure accuracy across all balances
- Perform e-money reconciliation on a daily basis
- Perform daily account and card transactions reconciliation analysis relying on clearing and settlement reports
- Identifying, investigating and resolving client account discrepancies
- Ensure our safeguarding requirements as mandated by the FCA are met at all times
- Ensure accurate accounting of payments transactions
- Setup, reviewing and continuous improvement of reporting and reconciliation processes
- Work with development team to ensure accurate reporting and distribution of information across the business
- Ensure an efficient payment flow is in place and perform reconciliation across all suppliers in the payment chain (acquirer, various banking partners)
- Check and reconcile supplier fees (acquirer, card issuer, KYC provider, banking partner, processor) against actual usage
- Help evolve and perfect our pricing structure as we add new services
- Assist the Risk Management and Financial Crime Team with daily tasks
- Ownership of cashflow and treasury management including FX trades
- Dealing with payment queries and investigations
- Weekly and monthly reporting
- Billing our clients
- Participation in ongoing projects around development of back office systems
- Liaising with 3rd party providers (eg. banks, payment providers, acquirers)
- Use strong problem solving skills and a deep understanding of our systems to resolve queries with our customers in mind
- Reviewing automated solutions to streamline all of the above processes
- Process improvements
Requirements
- 2-5 years of experience in a financial services or e-money/payments firm (payments company, card issuer, BIN sponsor, acquirer, etc.) as settlements analyst, treasury analyst or similar role
- Solid understanding of card issuing and acquiring/payment processing technicalities (cards, alternative payment methods, wallets)
- In-depth understanding of transactional payment processes, types of payments and currency cut offs
- Technological curiosity
- Ability to handle multiple tasks with tight deadlines whilst ensuring the work undertaken remains at a high standard
- Excellent planning and prioritisation skills
- Process oriented with a strong sense of ownership and accountability
- Attention to detail is key for this role
- Excellent time management skills with the ability to build strong cross-functional relationships and work collaboratively
- You have strong numerical and problem solving ability. You enjoy rolling up your sleeves and wearing many hats
- Advanced proficiency with MS Excel
- Knowledge of margin management
- Have automated a process or designed a new process as part of your current or existing role
We believe you’ll thrive in this role if you
- Process driven – You understand processes intuitively, are highly organised, and are constantly on the lookout to improve the way you work, you love tweaking things
- You communicate your actions and intentions clearly - verbally as well as in a written form
- Proactive – You have a proactive attitude towards problems
- Highly motivated and entrepreneurial. You are a strong team player who is not afraid of pitching in and getting their hands dirty
- Ability to wear many hats, with an I can do attitude
- Work well under pressure at times
- You are someone who wants ownership, autonomy, is a self-starter and can make great things happen, quickly!
Benefits
- The opportunity to join a highly driven and passionate team building the next big BaaS FinTech provider and make a meaningful contribution to its growth
- Hybrid work with access to our London Offices in Canary Wharf.
- Competitive remuneration
- Tech equipment to excel at work
- 25 days holiday per year plus all Bank holidays
- An opportunity to be a critical contributor to the company’s commercial success
- Prospect of joining a passionate team with a high-performance but friendly culture of open communication, collaboration and diversity
Headhunter / recruiter notice
Manigo does not accept unsolicited CVs from recruiters or employment agencies in response to any of our live roles on our career page. Manigo will not consider or agree to payment of any referral compensation or recruiter fee relating to these unsolicited CVs. Manigo explicitly reserves the right to hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited CVs, including those submitted to hiring managers, are deemed to be the property of Manigo.
