Senior Settlement Analyst

Job not on LinkedIn

🕒 April 30

🇺🇸 United States – Remote

💵 $89.4k - $131.4k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

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Marqeta

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2010

💳 Fintech

🤝 B2B

💰 Post-IPO Equity on 2021-06

Fintech • B2B • Payments

Marqeta is a leading modern card issuing platform that empowers businesses to integrate comprehensive credit and payment solutions seamlessly into their processes. Specializing in debit, credit, prepaid, and virtual cards, Marqeta provides dynamic spend controls, Just-in-Time (JIT) funding, and ensures compliance and risk management. The platform supports digital wallets, tokenization, and embedded finance, catering to industries such as digital banking, expense management, and on-demand services. With its open APIs, Marqeta facilitates the creation and management of card products, offering scalability and flexibility for enterprises ranging from startups to global companies.

📋 Description

• Perform end-to-end reconciliation and discrepancy management: Execute time-sensitive daily, weekly, and monthly reconciliations while analyzing network, bank and internal data to identify root causes of discrepancies, and implement corrective actions to preserve trust in banking and money movement services. • Daily Program Funding Compliance: Track and report Customer Program Deposits accurately and timely while maintaining intraday funding balance oversight, escalating issues promptly when needed and monitoring banking activities for irregularities to ensure data integrity across all transaction sources. • Drive operational excellence: Create comprehensive process documentation while identifying control gaps, partnering cross-functionally to develop targeted solutions, and supporting critical month-end close activities. • Support system evolution: Define business requirements while developing comprehensive test plans, validating new processes and systems, and collaborating with Engineering, Product, Data & Insights teams to resolve bugs and enhance reconciliation capabilities. • Become a Subject Matter Expert on settlement controls: Serve as a go-to resource for the team while providing backup support for ad hoc cross-departmental needs. • Process Improvement & Controls: Lead continuous improvement efforts by enhancing reconciliation procedures, implementing robust internal controls for compliance, driving process automation initiatives, and delivering strategic recommendations that optimize cash management and treasury operations.

🎯 Requirements

• Bachelor's Degree in Finance, Accounting, or related field • 5+ years of experience in finance, accounting, or settlement/reconciliation functions, ideally with strong knowledge in banking, financial services, operations, and cash management. Experience with reconciliation tools and automation platforms is strongly preferred • Analytical problem-solver with strong SQL/Python, Excel proficiency (complex formulas, pivot tables), experience leveraging AI for process automation and data analysis, excellent judgment, and the ability to connect business operations to transaction flows and funds movement. Strong project management and leadership capabilities • Self-motivated and detail-oriented with strong written and verbal communication skills to collaborate effectively across teams and management levels • Adaptable and curious about the payments industry, thriving in fast-paced environments while balancing big-picture thinking with hands-on execution and a drive to continuously improve processes

🏖️ Benefits

• Multiple health insurance options • Flexible time off – take what you need • Retirement savings program with company contribution and after tax contributions • Equity in a publicly-traded company and an Employee Stock Purchase Program • Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave • Free therapy sessions, financial and professional coaching, and legal advice • Monthly stipend to support our remote work model • Annual “development dollars” to support our people growth and development • Through Flex First, the freedom to live and work wherever you and your family thrive