Reconciliation Officer

About Salmon

Salmon Bank (Rural Bank) Inc., the banking arm of Salmon Group Ltd., is a technology-driven challenger bank in the Philippines operating under a BSP license. We combine the trust of a licensed institution with the speed and convenience of a modern financial product. Work within regulated financial infrastructure, where product, risk, compliance, operations, technology, and customer experience are closely connected.

About the role

Salmon Bank is growing its card business, and we are building a dedicated card reconciliation team. You will make sure every card transaction is accounted for and every discrepancy is explained and closed. The bank is a direct Visa member and works with Mastercard through third-party processors, so you will work across both models. You will work closely with the card technology team, Finance, client support, and external partners. This is an operations role.

Responsibilities

• Perform daily reconciliation of card transactions across the processing system, scheme reports, and processor reports.

• Reconcile balances and positions with service partners and processors, daily or monthly depending on the account.

• Investigate and resolve discrepancies end to end with the card technology team and partners. Raise tickets under the set process, document root causes, and agree corrective actions to prevent recurrence.

• Maintain reconciliation evidence and control logs, and support regulatory and internal audits.

• Help launch new card products by setting up reconciliation rules, reports, and controls.

• Keep the plastic card stock register and place replenishment orders with the card vendor.

Requirements

• 3+ years of hands-on card reconciliation experience, including card settlement

• Working knowledge of Visa and Mastercard clearing and settlement reports and cut-offs

• Experience reconciling against third-party processor reports, not only scheme reports

• Advanced Excel: pivot tables, lookups, and large data sets

• Experience supporting regulatory or external audits of card or settlement operations (e.g. BSP examinations, external audit, scheme compliance reviews)

• Familiarity with BSP requirements for card operations and settlement

• Strong attention to detail, clear written English, and the ability to work with technology teams and external partners

• An understanding of how clearing, settlement, accounting, and funding connect

Nice to have

• SQL for ad-hoc data checks

• Ability to improve or automate manual reconciliation steps