Sr. Reconciliation Data Analyst - Payments

Key Responsibilities

• Perform daily, weekly, and monthly reconciliations between card networks, banking partners, processors, and internal financial systems.
• Investigate and resolve reconciliation breaks by performing detailed root cause analysis.
• Design, develop, and maintain automated SQL-based reconciliation reports and dashboards.
• Monitor settlement, funding, and banking activities to identify discrepancies and operational issues.
• Support month-end close by preparing reconciliation reports and documentation for accounting and audit purposes.
• Analyze large transactional datasets to identify trends, exceptions, and opportunities for automation.
• Develop operational KPIs and reporting dashboards to improve reconciliation efficiency.
• Maintain process documentation, SOPs, and operational runbooks.
• Recommend and implement process improvements to enhance controls and operational efficiency.
• Partner with Engineering, Product, Accounting, Treasury, Compliance, and Finance teams to resolve reconciliation issues.
• Define business requirements for system enhancements and validate production changes.
• Respond to reconciliation and reporting requests from internal stakeholders and external partners.
• Utilize AI tools to improve analytical efficiency and operational insights.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Business, or a quantitative field (Master's degree preferred but not required).
• 5+ years of experience in reconciliation, payment operations, settlements, accounting, finance analytics, or related fields.
• Strong SQL skills with experience building automated reports and reconciliation queries.
• Advanced Microsoft Excel skills, including Pivot Tables, Lookups, and complex formulas.
• Strong understanding of financial reconciliations, accounting principles, and money movement.
• Excellent analytical, problem-solving, and communication skills.
• Ability to manage recurring deadlines while maintaining exceptional attention to detail.

Preferred Qualifications

• Experience with payment card networks (Visa, Mastercard, Amex, Discover).
• Knowledge of payment rails including ACH, Wire, SWIFT, RTP, and FedNow.
• Experience with reconciliation platforms, banking portals, and BI tools such as Looker or Tableau.
• Exposure to month-end close, settlement reporting, fee reconciliation, regulatory reporting, SOX controls, or audit support.
• Experience improving operational processes through automation and continuous improvement initiatives.