Senior Payments Reconciliation Officer

Calamatta Cuschieri Moneybase plc is a privately held Financial Services Group that operates in Investment Services, Payments and Fund Administration. With roots dating back to 1971, the Group today is evolving at a fast pace whilst keeping the same core principles, that of providing clients the best service using the latest technology and the top professionals in their field.

Moneybase is a multi-award-winning finance platform that allows individuals and businesses to easily manage all their financial needs, from daily payments to investments to treasury and wealth management we have got you covered. 

We are committed to attracting and selecting the very best people to join our team and to creating a workplace that promotes individual career growth; we value our people and their well-being. The group employs 200 people from over 30 countries around the world with Assets Under Management and Administration of over 3 billion.

The Senior Payments Reconciliation Officer is responsible for ensuring the accuracy, completeness, and integrity of all payment-related transactions across Moneybase platforms, banking partners, and internal systems.

This role plays a critical control function within the organisation, ensuring that client funds, settlements, and internal ledgers are fully reconciled, discrepancies are investigated and resolved, and regulatory standards are consistently met.

Key Responsibilities

1. Payments & Bank Reconciliation

· Perform daily reconciliation of client money accounts, payment providers, and internal ledgers

· Reconcile transactions across multiple channels (cards, SEPA, wallets, custodians, brokers, etc.)

· Ensure all transactions are accurately reflected between payment systems, core platform, and bank statements

2. Discrepancy Investigation & Resolution

· Identify, investigate, and resolve reconciliation breaks in a timely manner

· Escalate material discrepancies and risks to Finance / Risk teams

· Work closely with Payments, Product, and Tech teams to resolve root causes

3. Controls, Risk & Compliance

· Ensure adherence to internal controls, safeguarding requirements, and regulatory obligations (MFSA / client money rules)

· Support audit processes (internal & external) and provide required reconciliation evidence

· Maintain clear audit trails and documentation

4. Reporting & Month-End

· Support month-end close activities, including balance sheet reconciliations and reporting

· Prepare reconciliation reports, highlighting aging items, trends, and risks

· Provide insights to improve financial accuracy and operational efficiency

5. Process Improvement & Automation

· Identify inefficiencies and drive automation of reconciliation processes

· Collaborate with Product and Engineering on system improvements and scalability initiatives

· Reduce manual intervention and reconciliation breaks over time

6. Stakeholder Management

· Act as a key contact for reconciliation-related queries across:

o Finance

o Payments / Operations

o Product & Tech

· Support resolution of customer-impacting payment issues

7. Leadership & Oversight

· Provide guidance and support to junior reconciliation officers

· Review work outputs to ensure accuracy and quality standards

· Contribute to defining KPIs, SLAs, and reconciliation standards

Requirements

Key Requirements

Experience

· 4–6+ years in reconciliation, payments operations, or finance within fintech, banking, or financial services

· Strong experience in payments reconciliation (high-volume, multi-system environments)

· Exposure to client money / safeguarding frameworks is highly preferred

Technical Skills

· Strong Excel skills (pivot tables, lookups, data analysis)

· Experience with ERP / finance systems and reconciliation tools

· Understanding of payment flows (cards, SEPA, PSPs, clearing/settlement)

Core Competencies

· High attention to detail and accuracy

· Strong analytical and problem-solving mindset

· Ability to manage large volumes of transactional data

· Clear communication and stakeholder management skills

· Ability to work in a fast-paced, scaling environment

Remuneration

We are committed to attracting and selecting top people to join our team. We are also committed to creating a workplace that encourages individual growth; we value our people and their well-being.

What we offer:

• Ongoing internal training

• External training opportunities

• Study Leave

• Sponsorship schemes for further studies

• Opportunities for career growth

• Free health insurance

• Gym Subsidy

• Mental health package

• Performance bonus

• Employee referral incentive

Visit our websites - cc.com.mt or moneybase.com for more information about us.

All Applications will be acknowledged and treated with maximum confidentiality

“The enduring goal of Calamatta Cuschieri Moneybase is that the composition of our workforce should reflect that of the communities in which we work.”

Reference: CCMT00526