FinOps Lead: End-to-End Reconciliation & Automation

Ryft; Manchester; On-site; GBP 60,000 - 85,000; Full time

Job summary

Ryft, a regulated payment facilitator, seeks a hands-on Financial Operations Lead in Manchester to own reconciliations, safeguarding and settlements. You’ll run daily processes, then automate them to scale as we enter new markets and currencies.

You’ll liaise with Finance, Compliance, Engineering and banking partners to ensure accurate payment data for month‑end close, manage fees and chargebacks, and expand the operation for new flows and EU licences.

Qualifications

• 4+ years in financial operations, payment operations, treasury or reconciliations at a payments company, EMI, acquirer or fintech.
• Hands-on experience with daily reconciliations at volume with attention to detail and root-cause analysis.
• Working knowledge of UK safeguarding rules (PSRs 2017, EMRs 2011, CASS 15) and what auditors expect to see.
• You understand how card payments settle: schemes, acquirers, interchange and settlement cycles.

Responsibilities

• Reconciliations: run daily reconciliations across scheme and acquirer settlement reports, bank statements and our internal ledger; investigate and resolve breaks quickly and accurately.
• Safeguarding: own the daily internal and external safeguarding reconciliations under CASS 15; prepare the monthly safeguarding return; support the annual safeguarding audit.
• Settlement and payouts: ensure merchants are paid the right amount on time across currencies; manage split payments and escrow balances.
• Fees and cost of payments: reconcile interchange, scheme and acquirer fees against billed amounts; flag margin leakage.
• Disputes and chargebacks: track the financial side of chargebacks, refunds and reserves.
• Month-end: feed accurate payment data into the close; work with Finance on revenue and balance sheet reconciliations.
• Automation: partner with Engineering and Product to replace spreadsheets with automated reconciliations, alerts and dashboards.
• Controls and documentation: write and maintain SOPs, controls and evidence for auditors and FCA.

Skills

Financial operations

Reconciliations

UK safeguarding rules (CASS 15)

Cross-functional liaison

Job description

Ryft, a regulated payment facilitator, seeks a hands-on Financial Operations Lead in Manchester to own reconciliations, safeguarding and settlements. You’ll run daily processes, then automate them to scale as we enter new markets and currencies.

You’ll liaise with Finance, Compliance, Engineering and banking partners to ensure accurate payment data for month‑end close, manage fees and chargebacks, and expand the operation for new flows and EU licences.