Acquiring Reconciliation Analyst

Job Summary:

The Acquiring Reconciliation Analyst will ensure accurate, timely, and compliant reconciliation of card-network settlement, fees, and chargebacks across daily, weekly, and month-end cycles. The analyst will reconcile card network settlement files with Fed account activity, research exceptions, and partner with Risk and Underwriting to prevent leakage related to fraud and disputes.

Main Job Tasks and Responsibilities:

• Reconcile card network reports, bank account activity, and ISO/merchant-level detail including fees and interchange.
• Manage exceptions by identifying root causes, driving timely resolution, and maintaining audit trails.
• Monitor reserve bank account activity on a daily basis.
• Reconcile reserve bank account activity monthly and compare to processor reporting.
• Analyze large datasets, identify trends, and diagnose recurring errors.
• Support ISO operations by ensuring funding, reporting, and dispute obligations are met and communicated effectively.
• Drive continuous improvement through automation, enhanced controls, and reconciliation process efficiencies.
• Other monthly reporting and ad hoc requests as needed.
• Other duties as assigned.

Background & Experience:

• Bachelor’s degree in business, finance or related field is ideal, but not required.
• Working knowledge and experience with TSYS processor systems,CBOS, TSYS files and parsing residual files, including familiarity with 3270 TSYS green screens.
• Familiarity with merchant monitoring solutions such as Legit Script, G2 and other similar service providers.
• Knowledge of card network rules, e-commerce/retail payment processing, merchant billing, merchant application/agreements, merchant pricing concepts.
• General knowledge/familiarity with BSA/AML (Transaction monitoring, CIP, Sanctions Screening) as it relates to acquiring activities.
• Self-starter, detail-oriented and ability to prioritize all tasks appropriately.
• Good analytical, quantitative, and problem-solving skills.
• Ability to work in a dynamic fast-paced environment.
• Excellent verbal, written and interpersonal communication skills.

Key Competencies: 

• Intermediate Excel (pivot tables, lookups), exposure to SQL a plus.
• Basics of authorization, clearing, and settlement, card fees/interchange, dual vs. single message flows.
• ACH fundamentals (file structure, returns/notifications of change, cutoffs) and Fed posting cycles.
• Ability to work independently and manage high volumes of transactions.
• Good communication skills, ability to collaborate effectively with both internal and external partners.
• Ability to handle multiple tasks while prioritizing the importance of items in a fast-paced environment.
• Must be highly motivated and organized.
• Must be able to meet the required deadlines.
• Must be able to communicate and interact with all levels of the organization.
• Customer Success driven.