Financial Operations Manager

Topjuan Tech Corporation; Manila; On-site; PHP 1,200,000 - 1,800,000; Full time

Job summary

Topjuan Tech Corporation is seeking a Financial Operations Manager in Manila to oversee transaction processing, settlement, liquidity, and controls within a fast-growing fintech environment.

You will lead a cross-functional team, coordinate with banks and payment providers, and ensure regulatory compliance with BSP AML/CFT requirements. The role emphasizes process improvement, risk management, and reliable financial reporting.

This position offers growth in a dynamic, regulated fintech company.

Qualifications

• Experience leading financial operations in fintech.
• Strong knowledge of BSP regulations and AML/CFT.
• Proven ability to implement controls and risk management.
• Excellent analytical and leadership skills.

Responsibilities

• Oversee daily financial operations including processing, settlements, and disbursements.
• Ensure accurate processing across fintech platforms and banking partners.
• Monitor liquidity, settlement schedules, and operating balances.
• Develop procedures to minimize errors and discrepancies.
• Manage escalations for failed, delayed, or disputed transactions.
• Supervise reconciliation with bank statements and gateway reports.
• Investigate discrepancies and document refunds, reversals, and adjustments.
• Prepare reconciliation reports for management.
• Coordinate with banks and partners to resolve issues.
• Monitor platform performance and settlement efficiency.
• Develop SOPs and internal controls; track metrics.
• Identify automation opportunities to improve accuracy.
• Prepare periodic management reports on operations and risks.
• Lead and develop the Financial Operations team.
• Coordinate with Finance, Compliance, IT, and other teams.
• Maintain BSP reporting timelines and regulatory submissions.

Job description

About the role

The Financial Operations Manager is responsible for overseeing the company's financial operations, transaction processing, settlement and reconciliation activities, liquidity management, and financial controls within a fintech environment. The role ensures the accuracy, efficiency, security, and compliance of financial processes in accordance with company policies and applicable regulatory requirements.

The ideal candidate must have a strong background in financial operations within the fintech industry, preferably with experience in electronic money services, digital payments, e-wallets, payment gateways, remittances, banking integrations, or cryptocurrency-related services. The candidate must demonstrate strong analytical, operational, and leadership capabilities, with the ability to improve processes, manage financial risks, and coordinate effectively with internal teams, banking partners, and third-party service providers.

Key responsibilities

A. Financial Operations Management

• Oversee daily financial operations, including transaction monitoring, payment processing, fund transfers, settlements, and disbursements.

• Ensure timely and accurate processing of financial transactions across the company's fintech platforms and banking partners.

• Monitor transaction volumes, settlement schedules, operational balances, and liquidity requirements.

• Establish and maintain effective operational procedures to minimize errors, delays, and financial discrepancies.

• Manage operational escalations involving failed, delayed, duplicated, or disputed transactions.

B. Reconciliation and Settlement

• Supervise daily reconciliation of internal transaction records against bank statements, payment gateway reports, settlement accounts, and partner reports.

• Investigate and resolve discrepancies, unmatched transactions, settlement delays, and outstanding balances.

• Ensure proper tracking and documentation of refunds, reversals, chargebacks, and transaction adjustments.

• Prepare regular reconciliation and settlement reports for management review.

• Coordinate with banks, payment service providers, and other financial partners to resolve operational issues.

C. Liquidity and Financial Control

• Monitor operational fund balances and ensure sufficient liquidity to support business transactions and settlement obligations.

• Coordinate with Finance and Treasury on fund allocation, cash flow forecasts, and settlement requirements.

• Implement controls to prevent unauthorized transactions, duplicate payments, operational losses, and misuse of company funds.

• Maintain appropriate approval workflows, segregation of duties, and transaction limits.

• Identify financial and operational risks and recommend appropriate mitigation measures.

D. Regulatory Compliance and Risk Management

• Ensure that financial operations adhere to applicable Bangko Sentral ng Pilipinas (BSP) regulations, AML/CFT requirements, company policies, and relevant payment system rules, as applicable to the company's licenses and business activities.

• Work closely with the Compliance, AML, Risk, and Internal Audit teams to address operational findings and regulatory requirements.

• Support regulatory examinations, internal audits, external audits, and the preparation of required operational records and reports.

• Ensure the proper maintenance of transaction logs, settlement records, reconciliation files, and supporting documentation.

• Escalate suspicious transaction patterns, control deficiencies, and material operational incidents to the appropriate departments without independently replacing the responsibilities of Compliance or AML personnel.

E. Systems, Process Improvement, and Reporting

• Coordinate with IT, Product, Engineering, and external technology providers to resolve payment processing issues and improve system functionality.

• Monitor fintech platform performance, transaction success rates, failed transactions, processing turnaround times, and settlement efficiency.

• Develop and maintain standard operating procedures, internal controls, and operational performance metrics.

• Identify opportunities for automation and process optimization to improve accuracy, efficiency, and scalability.

• Prepare periodic management reports on financial operations, reconciliation status, settlement performance, liquidity, and operational risks.

F. Team Leadership and Stakeholder Coordination

• Supervise, train, and evaluate the performance of the Financial Operations team.

• Establish clear operational targets, reporting requirements, and accountability standards.

• Coordinate with Finance, Treasury, Compliance, Customer Support, IT, and Business Development teams.

• Manage relationships with banks, payment processors, payment gateways, and other fintech partners.

• Provide management with recommendations on operational improvements, emerging risks, and business continuity measures.

G. BSP Financial Reporting and Regulatory Submissions

• Act as the primary point person for the preparation, consolidation, validation, and submission of required financial reports to the Bangko Sentral ng Pilipinas (BSP), in accordance with applicable regulatory reporting requirements and prescribed deadlines.

• Coordinate with the Finance, Accounting, Treasury, and Compliance Departments to obtain, reconcile, and validate financial data and supporting documents required for BSP submissions.

• Ensure the accuracy, completeness, consistency, and timely filing of periodic financial statements, operational reports, and other applicable regulatory returns.

• Maintain an organized record of submitted reports, supporting documents, submission confirmations, and correspondence with the BSP.

• Monitor BSP reporting deadlines, circulars, memoranda, and changes in reporting templates or requirements relevant to the company's financial operations.

• Coordinate the correction, reconciliation, and resubmission of reports when necessary, and promptly escalate reporting discrepancies or potential delays to senior management.

• Serve as the primary internal coordinator for BSP inquiries concerning financial reports, in collaboration with the Compliance Officer, CFO, and other authorized representatives, as appropriate.

• Support regulatory examinations and audits by providing accurate financial data, reconciliation schedules, and supporting documentation related to submitted reports.