Senior Reconciliation & Reporting Analyst

Overview

This role is part of the Recon and Reporting team responsible for post-transaction systems that reconcile money, trace the flow of funds, and fulfill tax and regulatory reporting obligations globally. The position has a direct impact on financial accuracy and trust by managing reconciliation and financial reporting for a high-volume payments business.

Responsibilities

• Independently prioritize, design, develop, and deploy end-to-end reconciliation and reporting solutions, including matching logic, break dashboards, exception queues, settlement summaries, and standardized journals for accounting, audit, and regulatory processes.
• Own daily, weekly, and monthly reconciliations across card networks, banking partners, processors, and internal transaction and ledger data.
• Manage discrepancy resolution from detection through root cause analysis, corrective action, and control improvement.
• Translate ambiguous business, finance, and regulatory needs into concrete measurement systems and define key metrics such as match rates, break aging, time-to-resolution, funding compliance, and reporting SLAs.
• Serve as the subject matter expert on settlement, funding, and money-movement flows; respond to stakeholder and leadership inquiries regarding transaction lifecycles, data models, and reconciliation technology.
• Design, develop, and document automated SQL-based reporting, navigating new datasets to answer complex questions about fund flows.
• Collaborate with data engineering or work independently to design, build, validate, troubleshoot, and maintain datasets and pipelines supporting reconciliation and reporting.
• Identify control gaps, revenue leakage, manual toil, and data-quality issues; drive automation and process improvements.
• Monitor daily settlement and banking activity for irregularities.
• Manage relationships with technical and non-technical stakeholders across Engineering, Product, Accounting, Treasury, Tax, and Compliance.
• Lead month-end close support including reconciliation reporting, standardized summaries, and audit-ready documentation.
• Define business requirements and test plans for system changes; validate new processes and reconciliation capabilities before deployment.
• Partner with Engineering and Data teams to resolve bugs and implement enhancements.
• Mentor and onboard other analysts, review code, and promote reconciliation and reporting best practices.
• Apply an AI-first mindset to improve analytical work quality and speed, and guide responsible AI use within the team.

Requirements

• 5+ years of experience in reconciliation, settlement, payment operations, accounting, or finance analytics with a Bachelor's degree in Finance, Accounting, Economics, a quantitative field, or similar; or 3+ years with a Master's degree; or equivalent work experience.
• Expert-level SQL skills, including designing, developing, and documenting automated SQL-based reporting.
• Proven experience independently managing reconciliation, settlement, or financial reporting workstreams end to end.
• Strong knowledge of accounting principles, double-entry concepts, and money movement mechanics.
• Experience partnering with data engineering or working independently to design, build, validate, and maintain data pipelines.
• Advanced Excel proficiency (complex formulas, pivot tables) and familiarity with reconciliation tools and banking portals.
• Excellent communication skills to manage senior stakeholder relationships, present findings, and drive clear next steps.
• Demonstrated ability to identify and implement process improvements and automation in a deadline-driven, high-accuracy environment.

Preferred Qualifications

• Deep experience with card-network reconciliation and settlement (Visa, Mastercard, Amex, Discover), including network settlement, clearing, and report file formats.
• Familiarity with funds-transfer processes and rails (ACH, wire, SWIFT, RTP/FedNow) and the payments ecosystem (merchants, acquirers, issuers, processors, program banks).
• Scripting skills (Python or similar) for data analysis and process automation.
• Experience with cloud data warehouses (e.g., Snowflake, BigQuery) and BI platforms (e.g., Looker, Tableau), including building governed reporting layers with SLAs.
• Exposure to interchange and fee/cost reconciliation, revenue-leakage detection, and tax or regulatory reporting.
• Experience supporting audits, internal controls, or SOX-adjacent processes, and mentoring junior analysts.
• Curiosity about payments products and financial markets.

Compensation & Benefits

Compensation is market-based and varies by location, categorized into four zones based on cost of labor indices:

• Zone A: $135,200—$202,800 USD
• Zone B: $125,800—$188,600 USD
• Zone C: $119,000—$178,400 USD
• Zone D: $108,200—$162,200 USD

Benefits include remote work options, medical insurance, flexible time off, retirement savings plans, and family planning support.

Location

This role is open to candidates in the United States. Pay and benefits will be determined based on job-related skills, experience, qualifications, work location, and market conditions.

Additional Information

• Candidates may submit up to 9 active applications within a 60-day period.
• Reapplications to the same role are accepted 90 days after a previous application review.
• Automated AI tools may be used in the hiring process to evaluate applications for efficiency and consistency, complying with local regulations and privacy laws.
• Reasonable accommodations are available for disabled applicants throughout the recruitment process upon request.

The organization is an equal opportunity employer and evaluates all employees and applicants without regard to identity or legally protected class. Qualified applicants with arrest or conviction records will be considered in accordance with applicable laws and fair chance ordinances.