Treasury Associate (Bank Relation)

Enable PH; Mandaluyong; On-site; PHP 520,000 - 780,000; Full time

Job summary

Enable PH in Mandaluyong is seeking an Accounting Associate (Treasury) to oversee treasury operations, optimize cash and banking activities, and ensure regulatory compliance. You will drive process improvements, support working capital management, and provide leadership support for treasury initiatives.

The role involves coordinating POS terminal deployments, onboarding online payments, and liaising with banks and payment providers to optimize costs and terms.

Qualifications

• Strong Excel or Google Sheets proficiency for monitoring files and reporting.
• Analytical mindset with ability to analyze costs and performance.
• Bachelor's degree in Accounting or Finance from an accredited institution.
• 2–5 years in treasury, banking operations, or payment operations is preferred.

Responsibilities

• Coordinate onboarding, activation, deployment, transfer, replacement, and deactivation of bank-provided POS terminals across retail stores.
• Liaise with banks/ PSPs on terminal applications, MIDs, TIDs, merchant enrollment, and related requirements.
• Coordinate with Sales Strategy, stores, and banks to ensure timely terminal installation and activation.
• Monitor readiness and status of payment terminals and available payment methods.
• Support negotiations with banks/ PSPs to secure competitive MDRs and options.

Skills

Microsoft Excel

Google Sheets

Analytical skills

Education

Bachelor's degree in Accounting or Finance

Tools

POS Terminal Management

Merchant Account Administration

Payment Gateway Onboarding

Payment Solution Implementation

Job description

JOB SUMMARY:

The Accounting Associate (Treasury) oversees and optimizes treasury operations within the Finance & Accounting (F&A) Department. This role is responsible for managing cash and banking activities, strengthening bank and payment partnerships, and ensuring compliance with financial and regulatory requirements. The role drives process improvements, support working capital management, and provide functional leadership support for treasury-related initiatives.

RESPONSIBILITIES:

• Coordinate the onboarding, activation, deployment, transfer, replacement, and deactivation of bank-provided POS terminals across retail stores.

• Liaise with banks and payment service providers regarding terminal applications, Merchant Identification Numbers (MIDs), Terminal Identification Numbers (TIDs), merchant enrollment, installment activation, and other terminal-related requirements.

• Coordinate with Sales Strategy, store personnel, and bank representatives to ensure timely completion of terminal installation, configuration, testing, and activation requirements.

• Monitor the readiness and operational status of store payment terminals, including the availability of applicable payment methods, installment programs, and bank-specific configurations.

• Coordinate the investigation and resolution of terminal-related concerns with banks, payment service providers, Sales Strategy, and other relevant stakeholders.

• Coordinate the onboarding, implementation, activation, and maintenance of online payment solutions for the company's e-commerce platforms, retail channels, and other business units.

• Liaise with banks, payment gateways, and payment service providers regarding merchant applications, account setup, technical requirements, merchant credentials, payment configuration, and account activation.

• Coordinate with internal technical teams, e-commerce teams, Digital Marketing Team, and payment providers to facilitate payment gateway integration, configuration, testing, and production deployment.

• Monitor payment processing fees, Merchant Discount Rates (MDR), installment rates, transaction costs, settlement schedules, and other commercial terms associated with payment solutions.

• Support negotiations with banks and payment providers to secure competitive MDRs, improve commercial terms, and expand available payment options across retail and e-commerce channels.

• Prepare and maintain treasury monitoring reports covering bank account balances, cash positions, store settlements, payment channel performance, credit facility utilization, and other treasury-related activities.

• Monitor bank transactions and coordinate with the appropriate teams to investigate unidentified transactions, settlement delays, discrepancies, and other banking concerns.

• Assist in the reconciliation of bank statements, store collections, POS settlements, and online payment transactions against internal records and reports.

• Analyze payment channel costs, MDRs, installment fees, settlement timelines, and transaction performance to identify opportunities for cost reduction and operational improvement.

• Provide accurate and timely updates to the Accounting Specialist and Accounting Officer on banking concerns, payment implementation progress, facility applications, and other significant treasury matters.

• Coordinate the preparation, submission, and monitoring of bank credit facility applications, renewals, increases, and availments in collaboration with the Accounting Specialist, Accounting Officer, Cash Management team and other relevant stakeholders.

• Coordinate with banks regarding documentary requirements, financial information, collateral documentation, credit approvals, facility agreements, and drawdown requirements.

• Monitor credit facility utilization, maturity dates, interest rates, fees, required deposit balances, and other conditions to support effective working capital management.

• Facilitate the preparation and submission of treasury-related information required for bank reviews, credit assessments, due diligence questionnaires, and periodic account reviews.

• Maintain professional working relationships with bank relationship managers, account officers, payment service providers, and other financial partners.

• Ensure timely and complete submission of banking and payment provider requirements, including account opening documents, periodic account reviews, facility renewals, and merchant compliance requirements.

• Monitor the expiration and renewal of bank agreements, credit facility documents, merchant agreements, contracts, and other treasury-related records.

• Ensure the proper handling, storage, confidentiality, and authorized access of sensitive financial documents, banking credentials, and treasury records.

• Comply with company policies, internal control procedures, bank requirements, and applicable regulatory and audit requirements.

• Coordinate with relevant internal departments to address documentation gaps, compliance issues, and process exceptions.

• Serve as a key coordination point between the Finance & Accounting Department, banks, payment providers, Retail Strategy, Digital Marketing Team, e-commerce, IT, and store personnel for treasury-related initiatives.

• Coordinate the rollout of new banking services, payment methods, POS terminal configurations, and online payment solutions across relevant business units and stores.

• Develop, document, and improve standard operating procedures, guidelines, monitoring files, and reporting tools for bank account administration, terminal management, and payment solution implementation.

• Monitor project timelines, outstanding requirements, and action items to ensure the timely completion of treasury initiatives.

• Perform other treasury-related responsibilities and finance initiatives as assigned by the Accounting Specialist or Accounting Officer.

QUALIFICATIONS:

• Bachelor's degree in Accounting, or Finance

• At least two(2) to five (5) years of relevant experience in treasury, banking operations, payment operations, or financial management.

• Demonstrated experience in corporate bank account administration, online banking, banking documentation, and coordination with bank relationship managers.

• Experience in POS terminal management, merchant account administration, payment gateway onboarding, or payment solution implementation is highly preferred.

• Strong proficiency in Microsoft Excel or Google Sheets, particularly in maintaining monitoring files, analyzing data, and preparing reports.

• Willingness to report on-site five (5) days per week in Mandaluyong City.