Clearing and Settlement Specialist

Colibrix One; Barcelona; Presencial; EUR 45.000 - 65.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive salary

Flexible work arrangements

Learning & development

Career growth opportunities

Descripción de la vacante

Colibrix One in Barcelona is seeking a Clearing and Settlement Specialist to manage liquidity transfers, reconcile nostro accounts, and oversee FX operations in cross-border payments. You will collaborate with banks, payment providers, card schemes, and internal teams to resolve discrepancies and ensure accurate settlement across Visa/Mastercard networks.

The role requires experience in banking/fintech payment operations, strong Excel skills, and meticulous attention to detail to support the

Formación

• Experience in banking, fintech, payment operations, treasury operations, or financial operations.
• Knowledge of SWIFT and SEPA payment processing.
• Understanding of nostro accounts, correspondent banking, liquidity management, and FX operations.
• Experience with Visa/Mastercard clearing and settlement processes.
• Experience with merchant settlement/reconciliation.
• Strong reconciliation and transaction-investigation skills.
• Good understanding of payment statuses, settlements, cut-off times, and controls.
• Proficiency with Excel and handling transaction data.

Responsabilidades

• Liquidity transfers: manage and monitor liquidity transfers between nostro accounts.
• Nostro account management: daily reconciliation and discrepancy resolution.
• Currency conversions: execute FX conversions on nostro accounts.
• Visa/Mastercard clearing & settlement: monitor and validate settlement amounts.
• Daily reconciliation of payment, settlement, and bank activity.
• Investigate operational exceptions and coordinate resolutions with banks and providers.
• Follow internal controls, procedures, cut-off times, and escalation processes.

Conocimientos

Banking experience

SWIFT/SEPA knowledge

Nostro liquidity management

FX operations

Visa/Mastercard settlement

Merchant settlement/reconciliation

Reconciliation skills

Excel skills

Herramientas

Excel

Descripción del empleo

At COLIBRIX ONE*, we're building advanced, AI-powered payment technologies that support Payment Service Providers (PSPs), Electronic Money Institutions (EMIs), and neobanks across the EU and the UK. As a fully licensed Electronic Money Institution (FCA Reference No. 927920) and holder of a Financial Institution Licence issued by the MFSA, as well as a principal member of both VISA and Mastercard, we provide comprehensive, real-world financial solutions that include:

• Digital wallet infrastructure
• Cross-border merchant accounts
• Alternative payment methods (APMs)
• Corporate accounts for legal entities

We're a fast-growing team with a passion for innovation, security, and scalability. Our culture values curiosity, collaboration, and impact - and we're looking for talented professionals who are ready to shape the future of fintech.

At COLIBRIX ONE, your work directly powers the digital economy. If you're eager to solve meaningful challenges and build with purpose, we'd love to hear from you.

We are looking for Clearing and Settlement Specialist with hands-on experience in international payments, liquidity management, Issuing and Acquiring Reconciliations and Settlement, and merchant financial operations.

Key Responsibilities

• Liquidity Transfers: Manage and monitor liquidity transfers between nostro accounts to maintain sufficient balances for daily payment and settlement obligations.
• Nostro Account Management: Daily reconciliation nostro account balances and transactions, investigate and resolve discrepancies.
• Currency Conversions: Execute and monitor FX/currency conversions on nostro accounts based on operational liquidity and settlement requirements.
• Visa/Mastercard Clearing & Settlement: Monitor card-scheme clearing and settlement processes, validate settlement amounts, ensure sufficient funding, and investigate reconciliation or settlement discrepancies.
• Perform daily reconciliation of payment, settlement, and bank account activity.
• Investigate operational exceptions and payment discrepancies and coordinate their resolution with banks, payment providers, card schemes, and internal stakeholders.
• Follow internal controls, operational procedures, cut-off times, and escalation processes.

What You Need to Succeed in This Role:

• Previous experience in banking, fintech, payment operations, treasury operations, or financial operations
• Practical knowledge of SWIFT and SEPA payment processing
• Understanding of nostro accounts, correspondent banking, liquidity management, and FX operations
• Experience with or strong understanding of Visa/Mastercard clearing and settlement processes
• Experience with merchant settlement/repayment and reconciliation processes
• Strong reconciliation and transaction-investigation skills
• Good understanding of payment statuses, returns, rejects, settlement cycles, cut-off times, and operational controls
• Strong Excel/spreadsheet skills and ability to work with transaction and reconciliation data
• High level of accuracy and attention to detail when working with financial transactions
• Ability to identify, investigate, elevate, and follow operational issues through to resolution

What We Offer:

• Opportunity to shape the future of fintech solutions within a growing company
• Collaborative, horizontal team structure that values your expertise and ideas
• Continuous learning and development opportunities to enhance your skills and career growth
• Competitive salary and benefits package
• Flexible work arrangements to support work-life balance

* This position is offered within the COLIBRIXONE. Employment will be under the appropriate legal entity based on the role and location.

Colibrix One

Create a better tomorrow with the payment solution that you know and understand from the inside out.

COLIBRIX ONE offers comprehensive financial solutions, including smart virtual cards, global payment processing, and tailored banking services, empowering businesses to thrive in the digital economy.

Company size 51-200 employees

Company type Privately held Founded 2020

Total funding 0

Momentum

Team growth

61% in 12 mo

116 employees on LinkedIn

Feb 22 Apr 26

Capital

Funding history

Footprint

Where they work