Merchant Acquiring Operations Lead - Payments & Settlements

Chinabank PH; Makati; On-site; PHP 1,400,000 - 2,200,000; Full time

Job summary

Chinabank PH is hiring for a senior merchant acquiring operations role in Metro Manila. You will own end-to-end processes for POS, E‑commerce, QRPH, and related services, ensuring accurate settlements, reconciliations, and adherence to policies.

The role requires extensive experience in card acquiring, payment operations, and regulatory compliance, with strong analytical and stakeholder management skills to drive efficiency and service quality.

Qualifications

• Bachelor's Degree in Business, Finance, Accounting, Information Technology, or related field.
• Minimum 5-8 years of experience in card acquiring, electronic payments, merchant acquiring operations, payment gateway operations, or banking operations.
• Strong knowledge of merchant settlement, reconciliation, chargebacks, card network rules, and payment operations.
• Familiarity with Visa, Mastercard, JCB, UnionPay, QRPH, and BSP regulatory requirements.
• Experience in operational risk management, incident management, and service delivery management.
• Strong analytical, problem-solving, and stakeholder management skills.
• Experience working with acquiring systems, payment gateways, and merchant management platforms is preferred.

Responsibilities

• Establish and manage end‑to‑end merchant acquiring processes for POS, E‑Commerce, QRPH, SoftPOS, Installment, and related services.
• Develop and implement policies, procedures, service standards, and controls for merchant acquiring.
• Oversee merchant onboarding, account set‑up, maintenance, amendments, suspension, and termination.
• Ensure timely, accurate merchant settlements, fee computation, reconciliation, and funding processes.
• Manage daily reconciliation of merchant transactions against acquiring systems and settlement accounts.
• Monitor operational performance, reconciliation breaks, and aging items.
• Handle merchant inquiries, complaints, and service requests within SLAs.
• Lead chargeback, retrieval requests, disputes, and representment per card scheme rules.
• Coordinate with Gateways, POS Vendors, Card Networks, BSP, and internal teams on ops matters.
• Monitor processing, settlement failures, system incidents, and fraud alerts; escalate as needed.
• Ensure BSP, card scheme, PCI DSS, and internal policy compliance.
• Generate and analyze operational and portfolio reports, disputes, and dashboards.
• Support new product launches, testing, and operational readiness for changes.
• Establish business continuity and resilience procedures for merchant acquiring operations.
• Identify process improvements and drive efficiency and quality.

Skills

Analytical skills

Problem solving

Stakeholder management

Education

Bachelor's degree in Business/Finance/Accounting/IT

Tools

Acquiring systems

Payment gateways

Merchant management platforms

Job description

Chinabank PH is hiring for a senior merchant acquiring operations role in Metro Manila. You will own end-to-end processes for POS, E‑commerce, QRPH, and related services, ensuring accurate settlements, reconciliations, and adherence to policies.

The role requires extensive experience in card acquiring, payment operations, and regulatory compliance, with strong analytical and stakeholder management skills to drive efficiency and service quality.