Clearing and Settlement Specialist

At COLIBRIX ONE*, we're building advanced, AI-powered payment technologies that support Payment Service Providers (PSPs), Electronic Money Institutions (EMIs), and neobanks across the EU and the UK. As a fully licensed Electronic Money Institution (FCA Reference No. 927920) and holder of a Financial Institution Licence issued by the MFSA, as well as a principal member of both VISA and Mastercard, we provide comprehensive, real-world financial solutions that include:

• Global card processing
• Digital wallet infrastructure
• Cross-border merchant accounts
• Alternative payment methods (APMs)
• Corporate accounts for legal entities

We're a fast-growing team with a passion for innovation, security, and scalability. Our culture values curiosity, collaboration, and impact - and we're looking for talented professionals who are ready to shape the future of fintech.

At COLIBRIX ONE, your work directly powers the digital economy. If you're eager to solve meaningful challenges and build with purpose, we'd love to hear from you.

We are looking for 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 liquidity transfers between nostro accounts to maintain sufficient balances for daily payment and settlement obligations.
• Nostro Account Management: Daily reconciliation nostro account balances and transactions, investigate and resolve discrepancies.
• Currency Conversions: Execute and monitor FX/currency conversions on nostro accounts based on operational liquidity and settlement requirements.
• Visa/Mastercard Clearing & Settlement: Monitor card-scheme clearing and settlement processes, validate settlement amounts, ensure sufficient funding, and investigate reconciliation or settlement discrepancies.
• Perform daily reconciliation of payment, settlement, and bank account activity.
• Investigate operational exceptions and payment discrepancies and coordinate their resolution with banks, payment providers, card schemes, and internal stakeholders.
• Follow internal controls, operational procedures, cut-off times, and escalation processes.

What You Need to Succeed in This Role:

• Previous experience in banking, fintech, payment operations, treasury operations, or financial operations
• Practical knowledge of SWIFT and SEPA payment processing
• Understanding of nostro accounts, correspondent banking, liquidity management, and FX operations
• Experience with or strong understanding of Visa/Mastercard clearing and settlement processes
• Experience with merchant settlement/repayment and reconciliation processes
• Strong reconciliation and transaction-investigation skills
• Good understanding of payment statuses, returns, rejects, settlement cycles, cut-off times, and operational controls
• Strong Excel/spreadsheet skills and ability to work with transaction and reconciliation data
• High level of accuracy and attention to detail when working with financial transactions
• Ability to identify, investigate, escalate, and follow operational issues through to resolution

What We Offer:

• Opportunity to shape the future of fintech solutions within a growing company
• Collaborative, horizontal team structure that values your expertise and ideas
• Continuous learning and development opportunities to enhance your skills and career growth
• Competitive salary and benefits package
• Flexible work arrangements to support work-life balance

* This position is offered within the COLIBRIX ONE. Employment will be under the appropriate legal entity based on the role and location.