Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Title and Summary
Analyst, Settlement Operations
The Analyst, Settlement Operations will lead an operational team responsible for daily settlement functions to support customers and regional stakeholders in the Americas time zones. The team will work various shifts to cover the Americas time zones (07:00 to 17:00 US Central time) performing the daily settlement cutoff processing which generates and delivers customer advisements and fund transfer orders, completing customer onboarding and responding to customer inquiries.
The Analyst will ensure settlement is successfully completed within the specified cutoff times in the Americas business day.
The position requires a highly motivated, analytical, detail-oriented individual who can support multiple priorities and works well with cross-functional teams. Additionally, the Analyst will be responsible for leading various initiatives, including new customer implementations, testing, and piloting.
Key Accountabilities• Ensure daily settlement processing ensuring proper procedures are followed in the execution of domestic and cross-border funds transfers • Maintain thorough understanding of all reconciliation processes within Settlement• Ensure timely resolution of settlement issues within banking cut-offs• Propose process enhancements to improve the efficiency, quality, and timeliness of daily operations• Resolve discrepancies found in the transaction reconciliations and ensure that desktop procedures remain current. • Work with customer support to resolve internal and external customer queries• Provide guidance and training to other personnel (i.e., business units) regarding Settlement processes and operational issues • Manage incident investigation and resolution for Settlement Operation issues• Review daily fail reporting and settlement to ensure proper remediation of aged items.
All About You
• Bachelor's Degree in Accounting, Finance, Business, or Management Information Systems or equivalent combination of training and experience • MBA a plus, but not required• Knowledge of the card payments industry or banking back office payment operations gained through 1 to 2 years of experience• Strong knowledge of accounting principles, treasury operations, and the payment operations industry• Experience managing daily global settlement operations processes for services and input sources for both internal and external customers• Proven ability to analyze problems and offer solutions• Ability to manage multiple projects and work effectively with cross-functional partners• Must be self-motivated and a good team player• Excellent oral, written, and presentation communication skills
Corporate Security Responsibility
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
- Abide by Mastercard's security policies and practices;
- Ensure the confidentiality and integrity of the information being accessed;
- Report any suspected information security violation or breach, and
- Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
Skills Required
- Bachelor's degree in Accounting, Finance, Business, or Management Information Systems or equivalent experience
- MBA
- 1-2 years' experience in the card payments industry or banking back office payment operations
- Strong knowledge of accounting principles, treasury operations, and payment operations
- Experience managing daily global settlement operations and reconciliation processes
- Experience resolving transaction discrepancies and incident investigation
- Ability to manage multiple projects and work effectively with cross-functional partners
- Provide guidance and training to personnel regarding settlement processes
- Excellent oral, written, and presentation communication skills
- Ability to work various shifts to cover Americas time zones (07:00 to 17:00 US Central time)
Mastercard Compensation & Benefits Highlights
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Retirement Support — Careers materials and job postings advertise a “best‑in‑class” 10% retirement match (401k or equivalent). Public-facing benefits pages consistently position this as a standout element of the U.S. package.
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Leave & Time Off Breadth — Recent U.S. postings list 25 vacation days, 5 personal days, 10 paid holidays, up to 20 days of bereavement, and 80 hours of sick/safe time. The combined time‑off framework is described as well above typical U.S. baselines.
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Parental & Family Support — Company materials specify a minimum of 16 weeks paid new‑parent leave and inclusive family‑building support, with financial assistance for adoption, fertility, and surrogacy where allowed. Impact/ESG reporting also notes coverage enhancements for gender‑affirming care in North America.
Mastercard Insights
What We Do
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re building a resilient economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Why Work With Us
We live the Mastercard Way: creating value in the communities we touch, growing together through the opportunities we see, and moving fast to innovate and scale. Our collaborative culture and our passionate people are the key to what we do, driving meaningful change as one team and connecting everyone to priceless possibilities.
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