Card Reconciliation Officer

Trade QUO Global Ltd; Kuala Lumpur; On-site; MYR 50,000 - 80,000; Full time

Job summary

Trade QUO Global Ltd in Kuala Lumpur is seeking a detail-oriented Card Reconciliation Officer to ensure accuracy of card settlement data through daily reconciliation and discrepancy investigations. You will work with internal teams to maintain financial integrity and compliance.

The role requires 2–4 years in financial reconciliation or back-office operations, strong Excel skills, knowledge of card networks, and a proactive approach to risk control.

Qualifications

• Bachelor’s degree in finance, accounting, banking or related field.
• 2–4 years in financial reconciliation, back-office operations, or banking card processing is preferred.
• Proficiency with MS Excel and familiarity with card networks is expected.

Responsibilities

• Perform daily end-to-end reconciliation of card settlements across internal systems.
• Match ledgers with external data feeds and bank statements; verify fee structures.
• Audit and verify complete settlement data; ensure accuracy of balances and postings.
• Investigate discrepancies, document findings, and escalate issues to appropriate teams as needed.

Skills

Attention to detail

Analytical skills

Communication skills

Ownership mindset

Education

Bachelor's degree in finance, accounting, banking or related field

Tools

MS Excel

Visa

Mastercard

Automated reconciliation software

ERP systems

Job description

Position:

Card Reconciliation Officer

Reporting to:

Finance Department |Reconciliation Officer

Type:

Full time

Working Arrangement:

Onsite | Standard Office Hours

Company Overview:

We are forward-thinking fintech company specializing in innovative trading solutions and financial products. With a dynamic platform and a tech-savvy team that works seamlessly across time zones, we strive to provide cutting-edge services to traders worldwide.

About the Role:

We are looking for a detail-oriented Card Reconciliation Officer to ensure the accuracy of card transaction settlements through daily reconciliation, discrepancy investigation and reporting. You will work closely with internal teams to maintain operational efficiency, compliance and financial integrity.

Key Responsibilities:

1.Daily Transaction Verification & Reconciliation

• Perform daily end to end reconciliation of card settlements across internal accounting systems
• Match internal transactional ledgers against external data feeds, including bank statements
• Audit and verify the completeness of payment processing fee structure
• Conduct daily end of day balances to verify that all card collections and distributions match the company’s internal ledger accounts

2.Discrepancy Investigation & Exception Management

• Monitor, isolate and investigate the duplicate settlements, missing transactions or processing errors
• Coordinate directly with relevant parties and internal teams to resolve settlement discrepancy
• Review chargebacks, reversals, and disputed card transactions according to Mastercard and scheme rules

3.Risk Mitigation & Control Support

• Identify and **escalate** the repeating settlement failures or operational anomalies that may indicate liquidity or counterparty risks
• Monitor transaction patterns for unusual activities or payment source mismatches, escalating potential compliance or regulatory flags to the Risk and Anti-Money Laundering (AML) teams
• Ensure strict adherence to internal controls, segregation of duties, and industry compliance standards (e PCI-DSS)

4.Reporting & Process Improvement

• Prepare daily, weekly, and monthly reconciliation status reports for senior management, detailing outstanding exceptions and aging items
• Analyze reconciliation workflows to identify operational risks and recommend automated solutions to streamline high-volume transaction matching

Requirements:

• Education: Bachelor’s degree in finance, Accounting, Banking or a related quantitative field
• Experience: 2 – 4 years of experience in financial reconciliation, back-office operations or banking card processing, fintech, cryptocurrency, forex exchange or electronic payments experience preferred

Technical Skills:

• Advanced proficiency in MS Excel (VLOOKUP, Pivot Tables, data manipulation)
• Familiarity with card network structures (Visa, Mastercard) and transaction routing
• Experience with automated reconciliation software, core banking systems or ERP systems is highly preferred

Core Competencies:

• Exceptional attention to detail and analytical skills for spotting minute discrepancies in massive data sets
• Strong communication skills to effectively articulate and resolve technical financial issues with external banking partners
• A proactive mindset with a strong sense of ownership over financial integrity and risk control