Reconciliation Team Lead

About Pay.com Pay.com is a payment orchestration and acquiring platform engineered for acceptance. We give online merchants one central hub to accept, route, optimise and manage payments worldwide. We are looking for a dedicated Reconciliation Team Lead to lead our Reconciliation team within Finance Operations at our Limassol office in Cyprus.

Key Responsibilities

Lead, supervise and develop the Reconciliation team, allocating work, reviewing output and acting as the main point of escalation. Oversee daily, weekly and monthly reconciliations of transactions and balances across acquirers, PSPs, card schemes and bank accounts, ensuring they are completed accurately and on time. Review and sign off merchant settlement and payout reconciliations, ensuring amounts reflect processed volumes, agreed pricing, fees, refunds, chargebacks and reserves.

Oversee interchange and scheme fee validation, ensuring discrepancies are investigated and resolved. Own safeguarding reporting, overseeing the daily monitoring of safeguarded merchant funds and ensuring any breaks are escalated and resolved promptly. Assist in setting up reconciliation processes, procedures and flows for our orchestration activities and for our banking operations ahead of go-live.

Oversee daily bank account reconciliations, including merchant accounts, as our banking operations go live. Oversee the investigation and resolution of complex and aged breaks, ensuring records and the audit trail are complete. Establish and maintain reconciliation procedures and documentation, driving continuous process improvement.

Act as the main point of contact for reconciliation matters with internal teams and external partners. Support month-end close and audit requests.

Requirements

Bachelor’s degree in Accounting, Finance, Economics or a related field. 5+ years of experience in reconciliation, payments, finance operations or a similar role, including at least 2 years leading a team. Experience within a PSP, FinTech or EMI environment is preferred; candidates from banking or financial services will also be considered.

Strong understanding of banking and payment flows, including settlement cycles, merchant payouts, chargebacks and reserves. Experience with card payments or acquiring, including interchange and scheme fees, is an advantage. Proven experience setting up or improving reconciliation processes and procedures. Advanced Excel skills and confidence working with large volumes of data.

Strong analytical and problem-solving skills, with high attention to detail. Strong leadership skills, with the ability to motivate and develop a team in a fast-paced environment. Well organised, with the ability to prioritise and meet deadlines. Excellent communication skills and the ability to work with stakeholders at all levels.

Fluent in English, both written and verbal.

What we offer

Competitive salary and benefits package. Flexible working hours. Daily lunch. Medical insurance. Provident fund. Corporate, team and special events. Professional growth and training opportunities. Friendly and collaborative work environment. Opportunity to gain experience in a growing company in the FinTech industry.