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Job Summary

The Reconciliation & Settlement Officer ‌will be responsible for ensuring the daily accuracy of all financial transactions between AYA Pay, partner billers, and the bank. This role involves matching complex data sets, managing the timely settlement of funds to merchants, and resolving transaction disputes or discrepancies to ensure a seamless experience for our users and partners.

Key Responsibilities

1. Biller & Merchant Reconciliation

• Perform daily reconciliation of transaction data between AYA Pay internal logs, partner biller reports, and bank statements.
• Identify, investigate, and resolve any discrepancies or "breaks" in the reconciliation process.
• Ensure all biller payments are captured accurately in the system

2. Settlement Management

• Execute and verify the settlement of funds to billers and merchants within the agreed SLA (Service Level Agreements).
• Prepare daily and weekly settlement reports for management review.

3. Dispute Handling

• Manage the end-to-end dispute resolution process for failed transactions, double-charges, or payment mismatches.
• Liaise with the Customer Service team and Biller Partners to provide technical evidence for resolving user complaints.
• Maintain a "Dispute Log" to track recurring issues and recommend process improvements to reduce failure rates.

Job Requirements

• Education: Bachelor’s degree in Accounting, Finance, or Banking. (LCCI Level 3 or ACCA students are highly preferred).
• Experience: At least 1–2 years of experience in bank reconciliation, fintech operations, or audit. Fresh graduates with strong numerical skills are encouraged to apply.
• Technical Skills: * Advanced Excel Skills: (Must be proficient with VLOOKUP, Pivot Tables, and Data Cleaning).
  • Familiarity with Core Banking Systems or Digital Wallet backend systems is a major plus.
• Competencies:
  • High attention to detail
  • Strong analytical and problem-solving mindset.
  • Integrity and reliability when handling large-scale financial data.
• Communication: Good communication skills in Burmese; basic English proficiency for system usage and reporting.