Reconciliation Analyst

At xpate, we’re building a payment platform for the world we live in now — fast-moving, borderless, digital-first.

We’re on the lookout for a Reconciliation Analyst who can take full ownership of reconciliation across all systems, drive automation, and be a key contributor to our scheme fee engine — someone who thinks like a product manager and acts like an engineer.

Your role at xpate:

This role is your chance to be the reconciliation backbone of our platform — ensuring accuracy, resolving discrepancies, and actively shaping the tools and processes that keep our financial flows clean and transparent.

• Own the full-cycle reconciliation process across all systems, ensuring completeness and accuracy of financial data end-to-end.
• Reconcile scheme invoices, identifying and resolving discrepancies with speed and precision.
• Investigate and resolve reconciliation issues raised by clients, acting as the primary point of contact for reconciliation-related queries.
• Act as the main driver of reconciliation automation — defining requirements, prioritizing improvements, and collaborating with engineering teams to deliver scalable solutions, effectively taking on a product manager role.
• Document reconciliation procedures and control frameworks to support auditability, compliance, and operational efficiency.

We’re ready to meet you, if…

You bring deep reconciliation expertise, a product mindset, and a drive to automate and improve the way financial data flows.

• You have proven experience in end-to-end reconciliation across multiple systems and payment flows.
• You have hands-on experience working with schemes invoicing and settlement processes.
• You think like a product manager — you can translate operational pain points into clear requirements and drive their implementation.
• You have experience contributing to fintech or payments product development, ideally including scheme fee or settlement engine work.
• You are comfortable working with modern data tools, SQL, and reconciliation platforms in a fast-paced environment.
• You demonstrate strong analytical skills and an eye for detail, with the ability to spot anomalies quickly and act on them.
• You thrive in complex, fast-paced environments with evolving priorities and are comfortable with ambiguity.
• You continuously identify inefficiencies in reconciliation workflows and proactively push for automation and scalable improvements.

What working at xpate looks like:

• A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker.
• Enjoy flexible working hours, hybrid work options, private health insurance and generous paid time off giving you the balance you need to perform at your best.
• Apple hardware and modern work tools to support your workflow.
• Extra personal time off for rest and recharge: 12 additional days per year, plus your birthday off.
• Private health insurance and wellness benefits.
• Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem.

Why join xpate?