Senior Treasury & Reconciliation Engineer

Xace Ltd.; Greater London; On-site; GBP 90,000 - 130,000; Full time

Job summary

Xace Ltd. is seeking a Treasury Solutions Engineer to join the Finance and Technology teams. You will own the day-to-day integrity of treasury operations across a multi-currency book, reconciling ledgers, cash flows and settlements with banking partners.

You will work across finance and tech, integrating banking partner APIs and internal systems, resolving discrepancies, and producing daily treasury reports while supporting month-end and audits in a regulated fintech environment.

Qualifications

• 5+ years in a treasury, banking operations or fintech reconciliation role at scale.
• Prior work in a regulated payments or e-money environment.
• Deep understanding of multi-currency ledger maintenance and daily reconciliation.
• FX operations and treasury liquidity management experience.
• Working knowledge of safeguarding rules (PSR 2017 or EMR 2011 equivalent).
• Technical or engineering background; able to work directly with REST APIs and JSON, consume banking partner and internal system data, and build against endpoints without constant engineering support.
• Comfort with SQL and data tooling (Power BI, Excel to advanced level and ideally Python).
• Ability to work directly with banking partners and resolve issues at operational and technical levels.

Responsibilities

• Maintain and reconcile ledgers across a large book of live business accounts, spanning multiple currencies and banking rails, with ownership of ledgers across the Xace Group.
• Manage cash flow between Xace's banking partners, optimising liquidity and settlement timing.
• Ensure safeguarded accounts reconcile daily to the penny, in line with FCA safeguarding rules under the Payment Services Regulations 2017 and equivalent requirements under other Xace Group licences.
• Own SEPA and ECB settlement rails, including reconciliation, cash management and issue resolution across EUR flows.
• Reconcile customer contracts to fee schedules daily, identifying and correcting billing discrepancies before they hit the customer.
• Build, run and improve daily treasury reports (cash position, safeguarding, banking partner performance, fee reconciliation).
• Work with banking partner APIs and Xace's own system APIs to pull data for reconciliation and reporting, escalating connectivity or data issues to internal engineering.
• Support the assessment and resolution of failed payments across the payment rails.
• Act as part of the team integrating new banking partners, from initial testing through to go-live.
• Work closely with Finance on month-end and audit workflows, and with Technology on platform improvements.

Skills

Treasury operations

Regulated payments / e-money

Multi-currency ledger maintenance

FX liquidity management

REST APIs / JSON data integration

SQL

Power BI

Excel (advanced)

Python (basic)

Banking partner relationship

Tools

REST APIs

JSON

Job description

Xace Ltd. is seeking a Treasury Solutions Engineer to join the Finance and Technology teams. You will own the day-to-day integrity of treasury operations across a multi-currency book, reconciling ledgers, cash flows and settlements with banking partners.

You will work across finance and tech, integrating banking partner APIs and internal systems, resolving discrepancies, and producing daily treasury reports while supporting month-end and audits in a regulated fintech environment.