Payment Operations Analyst

**Company Overview**

**About the Role**

**Key Responsibilities**

**Bank Reconciliation**
- Perform daily, weekly, and monthly reconciliations across multiple banks, payment processors, and internal ledgers.
- Review detailed transaction files and ensure all bank transactions are properly recorded and reconciled**.**:

- Investigate and resolve discrepancies promptly, including ACH/EFT returns, card settlements, and wallet balances.
- Ensures compliance with established policies, procedures, and all applicable laws.
- Support audit and compliance reporting with reconciliation documentation.

**Accounts Payable (AP)**
- Process vendor invoices, expense reimbursements, and vendor payments.
- Maintain accurate AP aging reports and ensure timely disbursements.
- Manage vendor onboarding and compliance checks.

**Accounts Receivable (AR)**
- Generate client invoices and monitor collections.
- Reconcile incoming payments against accounts and ledgers.
- Work with clients and internal teams to resolve billing discrepancies.

**Financial Operations & Treasury**
- Support settlement cycles, liquidity management, and cash forecasting.
- Monitor exception handling across payment rails (ACH, RTP, Interac, Visa, Mastercard, etc.).
- Collaborate with Compliance and Risk to ensure adherence to regulatory requirements (FINTRAC, SOC 2, PCI, etc.).
- Assist in implementing process improvements and automation for reconciliations and reporting.
- Assists with monitoring and maintaining risk and exposure limits.

**Qualifications**
- Bachelor’s degree in Accounting, Finance, Business, or related field.
- 2-4 years of experience in accounting, treasury, or financial operations (fintech or payments experience strongly preferred).
- Familiarity with payment rails (ACH, RTP, card networks, EFT, Interac)
- Strong understanding of bank reconciliations, AP/AR cycles, and financial reporting.
- Advanced proficiency with Microsoft Office, especially Excel (such as advanced formulas, Pivot Tables, Power query, Error Checking & Data Analysis Tools, Macros and/or VBA).
- Proficiency in Excel/Google Sheets; experience with accounting software (e.g., QuickBooks) and reconciliation tools preferred.
- Excellent analytical, problem-solving and organizational skills.
- Excellent verbal, written, and interpersonal communication skills.
- Ability to work independently in a fast-paced, high-growth environment.
- Ability to interact with clients and internal teams effectively and professionally.
- Ability to work effectively in a team environment as well as accomplish work assignments under mínimal supervision and tight schedules.
- Self-starter with the ability to multitask.
- Strong attention to detail, accuracy, and adherence to deadlines.

Assets
- Knowledge of both the Canadian and US payments space.
- Experience with Power BI.

**What We Offer**
- Competitive compensation and benefits.
- Opportunity to shape financial operations at a growing fintech company.
- Exposure to cutting-edge payment technologies and global banking partners.
- A collaborative, innovative, and growth-driven culture.
- A small team environment: get to know everyone you work with.
- Accessible office location in downtown Toronto: by subway and streetcar

**Work Schedule**

**Note**: This is a hybrid role—two days in the office (Monday, and one other day) and three days remotely.

**Application Process**:
**AODA Statement**

**Job Types**: Full-time, Permanent

Pay: From $55,000.00 per year

**Benefits**:

- Casual dress
- Dental care
- Extended health care
- Life insurance
- Vision care
- Work from home

Ability to commute/relocate:

- Toronto, ON M5H 1A1: reliably commute or plan to relocate before starting work (required)

Application question(s):

- Are you familiar with payment rails (ACH, RTP, card networks, EFT, Interac)
- What are your annual salary expectations?

**Experience**:

- Financial Operations or Treasury: 2 years (required)
- Account reconciliation: 2 years (preferred)
- Fintech or Payments: 2 years (preferred)

Work Location: Hybrid remote in Toronto, ON M5H 1A1