Reconciliation & Reporting Analyst

About the role

You will join the Recon and Reporting team, which owns our post-transaction systems: the platform responsible for reconciling money, tracing the end-to-end flow of funds, and meeting our tax and regulatory reporting obligations to merchants, customers, and authorities worldwide. Reconciliation and financial reporting are essential to running a payments business, and given our transaction volume, this role has direct, measurable impact on financial accuracy and trust.

Responsibilities

• Execute time-sensitive daily, weekly, and monthly reconciliations between card networks, banking partners, processors, and internal transaction and ledger data to ensure data integrity across all sources.
• Investigate unreconciled items and discrepancies; perform root-cause analysis across network, bank, and internal data, drive corrective actions, and escalate irregularities promptly.
• Design, develop, and maintain automated SQL-based reconciliation and reporting solutions (e.g., break dashboards, settlement summaries, exception queues) using team best practices, with guidance and review from senior analysts.
• Contribute to the design of the team's success metrics (e.g., match rates, break aging, time-to-resolution, reporting SLAs) and communicate KPI results to business partners and leadership.
• Support month-end close by preparing reconciliation reporting, standardized summaries, and supporting documentation that feed downstream accounting, audit, and regulatory processes.
• Maintain clear process documentation and runbooks, identify control gaps and manual toil, and propose automation and process improvements.
• Handle reconciliation and reporting requests from internal stakeholders and external partners, communicating clearly with both technical and non-technical audiences.
• Use AI tools to explore ideas, improve speed of delivery, and deepen insights in your analytical work.

Requirements

• 5+ years of related experience in reconciliation, settlement, payment operations, accounting, or finance analytics, with a Bachelor's degree in Finance, Accounting, Economics, a quantitative discipline, or a related field; a Master's degree; or equivalent work experience.
• Independent proficiency in SQL, including building and maintaining automated SQL-based reporting.
• Strong Excel skills (complex formulas, pivot tables) and comfort working with large, messy transactional datasets.
• Detail-oriented and possessing a "detective" mindset; demonstrated ability to research discrepancies, question the correctness and completeness of data, and follow issues through to resolution.
• Working knowledge of general accounting principles and the mechanics of money movement.
• Strong written and verbal communication skills, with the ability to present findings to both analytics peers and non-technical business stakeholders.
• Self-motivated and proactive; able to deliver accurate work on tight, recurring deadlines and proactively communicate progress, learnings, and delays.

Qualifications

• Prior experience with card-network reconciliation and settlement (Visa, Mastercard, Amex, Discover), including network settlement, clearing, and report files.
• Familiarity with funds-transfer processes and rails (ACH, wire, SWIFT, RTP/FedNow) and with the payments ecosystem, including merchants, acquirers, issuers, processors, and program banks.
• Experience with reconciliation tools, banking portals, and BI/reporting platforms (e.g., Looker, Tableau).
• Exposure to month-end close, interchange and fee/cost reconciliation, revenue-leakage detection, or regulatory and tax reporting.
• Experience supporting audits, internal controls, or SOX-adjacent processes.
• Curiosity about payments products and a track record of improving or automating operational processes.