Clearing and Settlement Specialist

About the role

Colibrix One builds AI-powered payment technologies for PSPs, EMIs and neobanks across the EU and UK, and is a licensed EMI and principal member of VISA and Mastercard. It is looking for a Clearing and Settlement Specialist with hands-on experience in international payments, liquidity management, issuing and acquiring reconciliations and settlement, and merchant financial operations.

Key responsibilities

• Liquidity transfers: manage and monitor transfers between nostro accounts to keep sufficient balances for daily payment and settlement obligations.
• Nostro account management: reconcile nostro balances and transactions daily, and investigate and resolve discrepancies.
• Currency conversions: execute and monitor FX conversions on nostro accounts according to liquidity and settlement needs.
• Visa/Mastercard clearing and settlement: monitor scheme processes, validate settlement amounts, ensure funding and investigate discrepancies.
• Perform daily reconciliation of payment, settlement and bank account activity.
• Investigate operational exceptions and payment discrepancies and coordinate resolution with banks, payment providers, card schemes and internal stakeholders.
• Follow internal controls, operational procedures, cut-off times and escalation processes.

Required profile

• Previous experience in banking, fintech, payment operations, treasury operations or financial operations.
• Understanding of nostro accounts, correspondent banking, liquidity management and FX operations.
• Experience with merchant settlement, repayment and reconciliation processes.
• Ability to identify, investigate and escalate operational issues through to resolution.

Required skills

• Practical knowledge of SWIFT and SEPA payment processing.
• Experience with Visa/Mastercard clearing and settlement.
• Strong reconciliation and transaction-investigation skills.
• Good understanding of payment statuses, returns, rejects, settlement cycles and cut-off times.
• Strong Excel/spreadsheet skills with transaction and reconciliation data.
• High accuracy and attention to detail with financial transactions.

What we offer

• An opportunity to shape fintech solutions within a growing company.
• A collaborative, horizontal team structure.
• Continuous learning and development opportunities.
• Competitive salary and benefits package.
• Flexible work arrangements to support work-life balance.