Reconciliation Officer

The Payment Gateway Reconciliation Officer is responsible for reconciling payment transactions processed through the bank’s payment gateway, identifying discrepancies, investigating failed or pending transactions, and ensuring the accuracy and completeness of financial records across the Core Banking System (CBS), APS, ATM, mobile applications, e-payment channels, and other integrated payment services.

Key Responsibilities

• Perform daily reconciliation of payment gateway transactions against CBS, APS, settlement reports, and other relevant systems.
• Identify, investigate, and resolve discrepancies, duplicate transactions, failed payments, reversals, refunds, and unmatched transactions.
• Monitor transaction settlement status and ensure timely follow-up on outstanding or pending settlements.
• Coordinate with the Operations, Finance, Digital Banking, IT, and vendor teams to resolve reconciliation issues.
• Verify transaction fees, commissions, settlement amounts, and other applicable charges.
• Prepare daily, weekly, and monthly reconciliation reports, highlighting discrepancies and unresolved items.
• Maintain accurate records and supporting documentation for all reconciliation activities.
• Escalate financial discrepancies, unusual transaction patterns, and unresolved issues to the relevant authorities.
• Follow up on chargebacks, refunds, disputed transactions, and customer complaints related to payment processing.
• Ensure compliance with internal policies, financial controls, audit requirements, and applicable DAB regulations.
• Support internal and external audits by providing reconciliation reports and transaction evidence.
• Recommend improvements to reconciliation processes, controls, and reporting procedures.
• Perform other relevant duties assigned by the line manager.

• Bachelor’s degree in Finance, Accounting, Business Administration, Banking, or a related field.
• Experience 3 To 5 years in banking operations, financial reconciliation, payment systems, or accounting is preferred.
• Understanding of payment gateways, electronic transactions, settlement processes, and Core Banking Systems (CBS).
• Proficiency in Microsoft Excel and financial reporting; knowledge of SQL or reconciliation tools is an advantage.
• Strong analytical, numerical, problem-solving, and communication skills.
• High attention to detail, integrity, and confidentiality.

Qualified and interested applicants are encouraged to apply online through the BMA Job Portal at https://jobs.bma.com.af/jobs before the closing date.

Only shortlisted candidates will be contacted for further process.

https://jobs.bma.com.af/jobs