Reconciliation Specialist (12 month FTC)

Starling; Greater London; On-site; GBP 42,000 - 62,000; Full time

Benefits offered by this job

25 days holiday

Birthday day off

Enhanced pension scheme

Life insurance 4x salary

Private Medical Insurance with Vitaliy

Job summary

Starling Bank is seeking a Reconciliation Specialist for the Treasury Operations team in London. You will ensure accuracy of cash and suspense accounts and actively resolve transaction breaks to protect customer balances.

This 12-month contract emphasizes continuous improvement, automation and robust controls across domestic and international payment schemes. You will collaborate with Payments, Engineering, FinCrime and Treasury teams, prioritising fast, accurate resolution and maintaining clear

Qualifications

• Proficiency in reconciliations principles and processes.
• Knowledge of payment schemes (BACS, FP, Chaps, CICS, SEPA) and MT/ISO 20022 messages.
• Intermediate Excel or Google Sheets capabilities.
• Bonus familiarity with AI tools for automation and data reconciliation.

Responsibilities

• Perform daily reconciliations of cash and suspense accounts across domestic and international payment schemes.
• Investigate, track, and resolve customer transaction breaks and ledger discrepancies promptly.
• Collaborate with Payments, Engineering, FinCrime and Treasury Back Office teams to ensure correct postings.
• Own reconciliation issues and escalate outstanding items as needed.
• Coordinate investigations and assist internal bank teams for efficient resolution.
• Improve processes, workflows and reconciliation automation.
• Identify and drive improvements in risk controls.
• Maintain and create procedural documentation.

Skills

Reconciliations principles

Payment schemes knowledge

Excel / Google Sheets

AI tools familiarity

Attention to detail

Analytical / investigative skills

Job description

Hello, we’re Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,500 people across our London, Southampton, Cardiff and Manchester offices.

We are now looking for a Reconciliation Specialist to join our team in the Treasury Operations, where you will play a critical role in ensuring the accuracy of the Bank’s cash and suspense accounts while safeguarding customer balances. In this position, you will be responsible for actively managing and swiftly resolving transaction breaks to maintain financial integrity. Beyond day-to-day operations, you will also drive continuous improvement by helping to streamline, automate, and strengthen our daily reconciliation processes.

This is a 12 month fixed term contract, running from November ‘26 - ‘27.

Key Responsibilities

• Performing daily reconciliations of cash and suspense accounts across domestic and international payment schemes.
• Investigating, tracking, and resolving customer transaction breaks and ledger discrepancies in a timely manner.
• Collaborating with Payments, Engineering, FinCrime, and Treasury Back Office teams to ensure correct payment posting and entry clearing.
• Taking direct ownership of reconciliation issues, ensuring prompt escalation of outstanding items.
• Coordinating and assisting internal bank teams with investigations and efficient incident resolution.
• Actively seeking to improve processes, workflows and reconciliation automation.
• Identifying and driving improvements in risk controls.
• Maintaining existing and creating new procedural documentation.

Requirements

Knowledge and Experience:

• Proficiency in reconciliations principles.
• Knowledge in Payment Schemes (e.g., BACS, FP, Chaps, CICS, SEPA) and MT/ISO 20022 MX Payment messages
• Intermediate Excel / Google Sheets skills (min req level).
• Bonus: Familiarity with AI tools for process automation, data reconciliation and workflow optimisation.

Skills and Competencies:

• Eagerness to learn new tools and systems while actively seeking ways to streamline processes
• Confidence in liaising across various departments when escalating issues and reaching out for solutions.
• Ability to manage the workload and prioritise tasks.
• Proficiency in applying strong analytical and investigative skills.
Aptitude for demonstrating high attention to detail.
• Detail and process oriented and comfortable working with large volumes of data and numbers.

Benefits

• 25 days holiday (plus take your public holiday allowance whenever works best for you)
• An extra day’s holiday for your birthday
• Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
• 16 hours paid volunteering time a year
• Salary sacrifice, company enhanced pension scheme
• Life insurance at 4x your salary
• Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr & M rs Smith and Peloton
• Generous family-friendly policies
• Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
• Access to initiatives like Cycle to Work and Salary Sacrificed Gym partnerships

About Us

You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway.

We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.

Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.