Junior Settlement & Reconciliation Specialist

Our Company

NymCard’s mission is to enable fintech and financial innovators to launch frictionless payment programmes with our modern infrastructure, at record speed. Our open API modern card issuing platform provides flexibility and control to issue cards, authorise transactions, and manage payment operations with just one integration and one partner.

We are a team of industry experts and technology innovators who take a dynamic approach to solving complex industry challenges. NymCard has an open and collaborative work environment and together we make up the NymCardian Nation. We power possibilities for our customers and each other by bringing the best talent together to do the best quality work we can.

The Role

We are hiring a Junior Settlement & Reconciliation Specialist to support daily reconciliations and settlements across Visa, Mastercard, Ncore, and our banking partners. You will prepare tenant fund loads, execute scheme settlements, process refunds and balance transfers, and keep accurate logs and reports for audit. The role requires attention to cut-off times, careful documentation, and clear handovers within the team.

Day to day you will match scheme files to Ncore and bank statements, track and clear breaks with evidence, and escalate unresolved items quickly. You will follow maker checker controls, maintain checklists and templates, and coordinate with Finance, Operations, and external partners to keep inflows and outflows accurate and on time. Growth in this role looks like taking on more complex reconciliations, fees and interchange analysis, and contributing to month end close activities.

What You’ll Be Doing

• Perform daily reconciliations of scheme files, Ncore records, and bank statements, highlight and explain the discrepancies and escalate them to the concerned department.
• Prepare and reconcile tenant fund loads, confirm postings with Finance and Operations
• Prepare daily scheme settlements and support all related processes so inflows and outflows are accurate and timely
• Process daily refunds based on Operations instructions and confirm completion end to end
• Execute daily balance transfers based on cardholder balances and approved requests
• Identify, investigate, and escalate discrepancies, maintain a break sheet with root cause, owner, and status
• Perform the daily fees, interchange, and chargebacks reconciliations where required
• Produce daily and monthly reports for management and stakeholders with traceable inputs
• Maintain reconciliation logs and documentation to an audit ready standard, including evidence and approvals
• Keep SOPs, templates, and trackers current, suggest small improvements that reduce rework or delays
• Coordinate with banks, schemes, and partners on file issues, cutoffs, missing statements, and corrections
• Support month end close activities, including reconciliations that feed the general ledger

What You Bring

• 1 to 3 years in settlements, reconciliations, operations, or finance within banking or fintech
• Working knowledge of card issuing or payment processing and basic settlement mechanics
• Proficiency in Excel such as filters, pivots, XLOOKUP, and comfort working with CSVs and large datasets
• Familiarity with bank statements and scheme reports, able to follow checklists and approvals precisely
• Clear, concise documentation and the ability to track breaks through to closure
• Strong attention to detail, reliability under time pressure, and professional communication

Bonus Points

• Hybrid working model: In-office collaboration for design reviews, workshops, and team days, with flexible remote time for deep work. Clear expectations on core hours and availability.
• Ownership and growth: Small teams and direct access to decision makers. End-to-end responsibility for your area, support for certifications and learning, and progression based on outcomes.
• Cross-border exposure: Work with clients and partners across MENA and beyond. Gain hands-on experience with schemes, banks, and regulators, and broaden your domain expertise.
• Real product and business impact: Build for a live issuing platform used by fintechs. See measurable results on performance and revenue within weeks, and celebrate wins backed by data.