Business Analyst (Settlement Process)

Job Overview
We are seeking a meticulous Settlement Investigation Specialist to support payment operations by identifying, analyzing, and resolving transaction discrepancies. This role demands strong analytical capabilities, high attention to detail, and the ability to perform effectively in a fast-paced, high-volume environment.
Key Responsibilities

Investigate and resolve payment and settlement issues, including failed, delayed, or rejected transactions
Conduct root cause analysis to identify underlying issues and implement preventive solutions
Monitor payment processes to detect exceptions, discrepancies, or operational gaps
Collaborate with internal teams (Operations, Technology, Compliance) and external stakeholders (banks, partners) to ensure timely resolution
Complete investigations within defined SLAs and maintain high accuracy standards
Maintain detailed records of investigations, resolutions, and audit trails
Support reconciliation activities to ensure consistency across payment systems and records
Escalate critical issues and potential risks promptly to relevant stakeholders
Ensure compliance with regulatory requirements, internal policies, and AML/CFT guidelines
Contribute to process improvement initiatives to enhance operational efficiency and control

Qualifications & Requirements

Bachelor's degree in Finance, Business, or a related discipline
3-6 years of experience in banking operations, payments, or settlement investigations
Strong understanding of payment flows, reconciliation, and settlement processes
Familiarity with payment systems such as SWIFT, MEPS+, or similar platforms
Knowledge of AML/CFT regulations and financial compliance standards
Excellent analytical and problem-solving skills with strong attention to detail
Ability to manage multiple tasks and meet tight deadlines
Proficiency in Microsoft Excel (including formulas and pivot tables)
Strong communication skills with the ability to work effectively across teams