Financial Operations Specialist

As our Financial Ops Specialist you will:

- Payments & Reconciliations: Reconcile bank accounts, payment gateways, and aggregator statements across multiple corridors and currencies daily.

- Investigate and resolve discrepancies between internal records and external payment/aggregator data quickly and accurately.

- Assist with payment run approvals, and manage the accurate, timeous processing of outgoing and incoming payments.

- Monitor transaction flows in real time to identify failed, delayed, or duplicate payments before they become customer-facing issues.

- Aggregator & Partner Relationships: Act as a key point of contact for payment aggregators and banking partners on operational and reconciliation queries.

- Track aggregator fees, settlement timelines, and performance to ensure we're getting accurate and fair value.

- Escalate and follow through on aggregator-side discrepancies until fully resolved.

- Automation, Data & AI. Design and build automated reconciliation and monitoring workflows that reduce manual review and turnaround time — using tools like SQL or AI assistants (e.g. Claude) to do the heavy lifting.

- Use AI tools to build automated assessments and alerting systems that flag anomalies, discrepancies, and irregularities in payment or reconciliation data before they become issues.

- Identify recurring, manual payment operations processes and actively replace them with automated, repeatable solutions.

- Build and maintain dashboards or structured reporting views, ideally automated or templated, that give stakeholders real-time visibility into payment flows, settlement status, and reconciliation trends.

- Cross-Functional Collaboration: Partner with Tech Ops to improve the accuracy, speed, and automation of payment and reconciliation data flows between systems.

- Collaborate closely with the Treasury team and our FX Trader to make sure operational needs, currency exposure, and settlement timing are well-aligned across corridors.

- Champion the use of automation and AI across the finance operations team — making sure new workflows and tools are properly implemented and consistently followed.

- Compliance & Reporting: Support audit requirements with clear, well-maintained reconciliation records and supporting schedules.

- Get pulled into various finance-related projects and initiatives, including data analysis, process automation, and reporting improvements — giving you exposure across the business.

Qualifications & Experience:

- Completed Bachelor's degree in Accounting, Finance, or a related field.

- 4+ years of relevant experience in payment operations, reconciliations, or financial operations — ideally in fintech, payments, or financial services.

- Demonstrable, hands-on experience using AI tools (e.g. Claude, or similar) to build automated assessments, workflows, or alerting systems — non-negotiable for this role.

- Strong Excel skills: comfortable with large data sets, schedules, and building automated or templated reporting.

- Exposure to data analysis, dashboarding, or process automation tools (e.g. Power Query, Power BI, SQL, or similar) is a strong advantage.

- Exposure to a multi-entity or multi-currency environment, ideally in fintech or financial services.

- Experience working with payment aggregators, gateways, or banking partners is a strong advantage.

- High attention to detail with the ability to manage competing deadlines in a fast-paced environment.

In your first 90 days at Mama Money you will:

- Be responsible for the accuracy of daily reconciliations across key payment corridors.

- Take ownership of first-level anomaly review, using data analysis to identify discrepancies and take initiative to correct them.

- Build strong working relationships with Treasury, Tech Ops, and our FX Trader, assisting with ad hoc requirements as they arise.