Card Settlement & Reconciliation Expert

YTL Digital Bank Berhad (Registration No. 202201037182 (1482879-P); Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

Ryt Bank in Malaysia is seeking a Card Settlement & Reconciliation Specialist to manage end-to-end card settlement, reconciliation, and related customer inquiries. You will ensure timely processing in line with SLAs and internal controls.

You will support the Card & Credit Lending Operations team, handle investigations and exception management, and prepare operational reports. This role emphasizes risk awareness, process improvements, and cross‑functional collaboration.

Qualifications

• Bachelor's degree in related discipline.
• 3-5 years of experience in card operations, settlement, reconciliation, payment operations, or banking operations.
• Experience in investigations, exception management, and operational controls is an advantage.

Responsibilities

• Perform and manage daily card settlement and reconciliation activities for debit and credit card transactions.
• Investigate and resolve reconciliation breaks, settlement exceptions, transaction disputes, and operational issues within agreed service levels.
• Monitor settlement accounts and ensure accurate reconciliation with card schemes and internal records.
• Manage card-related operational activities, including card issuance, replacement, renewal, maintenance, and customer requests.
• Handle investigations and exception management for card transactions and operational discrepancies.
• Provide guidance and support to Operations on daily operational matters.
• Prepare operational, reconciliation, and management reports.
• Support risk, audit, and compliance reviews, ensuring adherence to policies and procedures.
• Collaborate with internal stakeholders to resolve issues and improve operational effectiveness.
• Participate in process improvement and automation initiatives.

Skills

Analytical skills

Problem solving

Stakeholder management

Attention to detail

Communication skills

Multitasking

Education

Bachelor's Degree in Business, Finance, Banking, Accounting, or a related discipline

Job description

Ryt Bank in Malaysia is seeking a Card Settlement & Reconciliation Specialist to manage end-to-end card settlement, reconciliation, and related customer inquiries. You will ensure timely processing in line with SLAs and internal controls.

You will support the Card & Credit Lending Operations team, handle investigations and exception management, and prepare operational reports. This role emphasizes risk awareness, process improvements, and cross‑functional collaboration.