We are looking for a detail-oriented Payment Clearing Specialist to manage daily transaction reconciliation and fund settlement for our mobile phone installment business in the Philippines. You will work closely with local payment gateways, banks, and internal teams to ensure accurate and timely fund flows
Key Responsibilities:
Daily Reconciliation:
Perform daily reconciliation between payment gateway/bank transaction data and internal business system records, ensuring accuracy of transaction details, fees, and settlement amounts
Monitor fund flows; investigate and resolve settlement discrepancies (e.g., overages, shortages, duplicate payments, failed refunds)
Payment Channel Management:
Liaise with local Philippine payment service providers (e.g., GCash, PayMaya, Dragonpay, Paynamics, banks) to maintain stable payment operations
Assist the technical team in troubleshooting payment API issues (e.g., failed callbacks, status sync errors) and track resolution progress
Regularly evaluate channel costs and success rates to provide data support for channel optimization
Reporting & Settlement:
Prepare daily/weekly/monthly fund reports, including receivable/payable summaries, channel cost analysis, and cash position statements
Coordinate with the finance team to complete settlements with merchants (mobile phone stores/partners), ensuring accuracy and timeliness
Compliance Support:
Support the risk control team in investigating suspicious or fraudulent transactions by providing clearing-related data
Ensure settlement processes comply with relevant regulations from the Bangko Sentral ng Pilipinas (BSP) and Anti-Money Laundering Council (AMLC) ; assist in preparing audit documentation
Issue Response:
Quickly respond to payment-related issues reported by business teams or customers (e.g., user charged but no loan disbursed, duplicate charges); identify root causes and coordinate resources for resolution
Qualifications:
Education: Bachelor's degree or associate degree in Finance, Accounting, Economics, Business, or a related field
Experience: Minimum 3 years of experience in payment clearing, fund settlement, or reconciliation. Experience in Fintech, E-commerce, or Third-party Payment industries is highly preferred
Technical Skills:
Familiarity with the clearing logic and processes of major Philippine payment methods (E-wallets, Online Banking, OTC, InstaPay/PESONet)
Proficient in Microsoft Excel (VLOOKUP, Pivot Tables) for handling large datasets; basic SQL knowledge is a plus
Basic understanding of API logic to effectively communicate with technical teams regarding payment interface issues
Foundational knowledge of accounting principles (debit/credit) and fund flow logic
Language Skills:
English: Fluent in both written and spoken English (mandatory) for communication with HQ and local stakeholders
Tagalog: Native or near-native proficiency to efficiently coordinate with local payment channel support
(Bonus) Basic Mandarin Chinese listening skills to facilitate communication with China-based finance/technical teams
Other Requirements:
Must be a Philippine citizen or hold a valid local work visa
Highly detail-oriented with strong numerical sensitivity and a sense of responsibility
Excellent communication and coordination skills for cross-team collaboration (business, tech, channels, finance)
Willingness to work occasional overtime during peak settlement periods or month-end closing
