Digital Banking Reconciliation & Settlement

Amar Bank; Daerah Khusus Ibukota Jakarta; On-site; IDR 200.000.000 - 300.000.000; Full time

Job summary

A leading digital bank in Indonesia seeks a detail-oriented Reconciliation Officer for its Finance & Operations team. The role involves ensuring accuracy in financial transactions, collaborating with various teams, and maintaining compliance. Candidates should possess strong analytical skills and relevant experience in digital banking.

Qualifications

• 2 years of experience in reconciliation or payment operations.
• Strong analytical skills and attention to detail.
• Fluent in English (oral and written).

Responsibilities

• Conduct daily reconciliation of transactions across systems.
• Identify and resolve discrepancies promptly.
• Collaborate with cross-functional teams to improve processes.

Skills

Analytical skills

Attention to detail

Experience with SQL

Experience with Excel

Job description

Who are we?

Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading digital lending product, Tunaiku, is the first FinTech product in Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we are listed on the Indonesian Stock Exchange.

How did we manage to do that?

We are changing people’s perceptions of banks. We believe we are innovators who combine customer focus principles with impactful technology. Our startup culture emphasizes freedom and flexibility to encourage innovation, creating better financial solutions. We see ourselves as, ‘A technology company with a banking license’—acting like a FinTech and thinking like a bank.

How did it all start?

Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), it was acquired by Tolaram Group and transformed into PT Bank Amar Indonesia (Amar Bank) in 2014. Since then, it has undergone significant digital transformation, becoming a leading fintech institution through its award-winning digital lending platform, Tunaiku.

Our philosophy, mission, and vision

Technology must impact and improve lives. We aim to provide banking services to those who ‘need’ rather than just those who ‘want’. Our vision is to bring 200 million smiles.

More About Our Startup Culture Environment

With over 1000 employees, we foster a growth-oriented, fun, and innovative work environment. We encourage employees to grow beyond their comfort zones. Recognized as the “Best Place to Work in Indonesia,” we also received the Inspirational Brand award from APEA 2022. If you have a growth mindset and seek challenges, join us in our journey to ‘Impact Lives’ and create #unlimitedinnovations!

About the position:

We are looking for a detail-oriented and analytical professional to join our Finance & Operations team as a Reconciliation Officer. This role is critical in ensuring the accuracy of financial transactions across digital banking channels. The ideal candidate will understand reconciliation in a high-volume, tech-driven environment and work effectively with cross-functional teams.

Responsibilities:

1. Conduct daily, periodic, and ad-hoc reconciliation of transactions across internal systems and external partners (e.g., payment gateways, e-wallets, core banking platforms).
2. Identify, investigate, and resolve discrepancies promptly and accurately.
3. Collaborate with Finance, Technology, Operations, and Product teams to improve processes and automate tasks.
4. Maintain documentation, standard operating procedures, and controls per policies and regulations.
5. Support audits and compliance by preparing reconciliation reports and summaries.
6. Liaise with third-party partners to resolve mismatched transactions and settlement issues.
7. Perform ad-hoc tasks or special assignments as needed.

Requirements:

1. At least 2 years of experience in reconciliation, settlements, or payment operations within digital banking, fintech, or financial services.
2. Familiarity with digital transaction flows (API-based payments, QRIS, e-money, VA, top-ups, refunds).
3. Strong analytical skills, attention to detail, experience with SQL, Excel (Pivot Tables), and reconciliation tools.
4. Fluent in English (oral and written).

Our finance team manages budgeting, investor relations, and executive decision support, ensuring the financial health of Amar Bank. We handle incoming and outgoing funds and collaborate closely with leadership to foster an innovative financial culture.