Acquiring Reconciliation Analyst

Evolve Bank; Memphis (TN); On-site; USD 70,000 - 90,000; Full time

Job summary

Evolve Bank is seeking an Acquiring Reconciliation Analyst to ensure accurate reconciliation of card-network settlements, fees and chargebacks. The role collaborates with Risk and Underwriting to prevent leakage related to fraud and disputes.

The position emphasizes detailed data work, exception management, and process improvements, with a background in TSYS systems and merchant monitoring tools.

Qualifications

• Bachelor’s degree in business, finance or related field is ideal, but not required.
• Experience with TSYS processor systems and related files (CBOS, parsing residual files).
• Familiarity with merchant monitoring tools like Legit Script and G2.
• Knowledge of card network rules and e-commerce/retail payment processing.
• General knowledge of BSA/AML as it relates to acquiring activities.
• Strong analytical, quantitative, and problem‑solving skills.

Responsibilities

• Reconcile card network reports, bank activity, and ISO/merchant details including fees and interchange.
• Manage exceptions by identifying root causes and maintaining audit trails.
• Monitor daily and monthly reserve bank activity and compare to processor reporting.
• Analyze large datasets to identify trends and diagnose recurring errors.
• Support ISO operations with funding, reporting, and dispute obligations.
• Drive continuous improvement through automation and controls.

Skills

Excel

SQL knowledge

Data analysis

Attention to detail

Communication skills

Problem solving

Multitasking

Self-starter

Organizational skills

Education

Bachelor’s degree in business/finance

Tools

TSYS

CBOS

TSYS files parsing

3270 TSYS screens

Job description

The Acquiring Reconciliation Analyst will ensure accurate, timely, and compliant reconciliation of card-network settlement, fees, and chargebacks across daily, weekly, and month-end cycles. The analyst will reconcile card network settlement files with Fed account activity, research exceptions, and partner with Risk and Underwriting to prevent leakage related to fraud and disputes.

Main Job Tasks and Responsibilities

• Reconcile card network reports, bank account activity, and ISO/merchant-level detail including fees and interchange.
• Manage exceptions by identifying root causes, driving timely resolution, and maintaining audit trails.
• Monitor reserve bank account activity on a daily basis.
• Reconcile reserve bank account activity monthly and compare to processor reporting.
• Analyze large datasets, identify trends, and diagnose recurring errors.
• Support ISO operations by ensuring funding, reporting, and dispute obligations are met and communicated effectively.
• Drive continuous improvement through automation, enhanced controls, and reconciliation process efficiencies.
• Other monthly reporting and ad hoc requests as needed.
• Other duties as assigned.
• Bachelor’s degree in business, finance or related field is ideal, but not required.
• Working knowledge and experience with TSYS processor systems,CBOS, TSYS files and parsing residual files, including familiarity with 3270 TSYS green screens.
• Familiarity with merchant monitoring solutions such as Legit Script, G2 and other similar service providers.
• Knowledge of card network rules, e-commerce/retail payment processing, merchant billing, merchant application/agreements, merchant pricing concepts.
• General knowledge/familiarity with BSA/AML (Transaction monitoring, CIP, Sanctions Screening) as it relates to acquiring activities.
• Self-starter, detail-oriented and ability to prioritize all tasks appropriately.
• Good analytical, quantitative, and problem-solving skills.
• Ability to work in a dynamic fast-paced environment.
• Excellent verbal, written and interpersonal communication skills.
• Intermediate Excel (pivot tables, lookups), exposure to SQL a plus.
• Basics of authorization, clearing, and settlement, card fees/interchange, dual vs. single message flows.
• ACH fundamentals (file structure, returns/notifications of change, cutoffs) and Fed posting cycles.
• Ability to work independently and manage high volumes of transactions.
• Good communication skills, ability to collaborate effectively with both internal and external partners.
• Ability to handle multiple tasks while prioritizing the importance of items in a fast-paced environment.
• Must be highly motivated and organized.
• Must be able to meet the required deadlines.
• Must be able to communicate and interact with all levels of the organization.
• Customer Success driven.

Equal Opportunity Employer
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