Financial Systems Analyst - Payments Ledger

• Experience: At least three years of hands-on experience in an analytical role where financial accuracy is critical such as payment operations reconciliation revenue or technical accounting financial systems implementation business analysis or product analysis at a fintech company.
• Payment flow analysis: Demonstrated experience tracing how money moves through a live payment product based on how it behaves rather than how it is documented and identifying each financial event and the system trigger behind it.
• SQL: Ability to write SQL independently to extract data and confirm which fields are populated for real transactions.
• Reconciliation: Experience working out how a processor or bank reconciles including with Claude then tying internal transactions to its settlement confirmation or return files in spreadsheets and explaining variances.
• Requirements documentation: Experience defining data requirements transaction scenarios (returns reversals disputes refunds) acceptance criteria and epics and user stories that engineering can build from without follow-up questions.
• Organizational discipline: Experience managing an open issues log across multiple workstreams and stakeholder teams driving each item to resolution and escalating when needed.
• Persistence: Ability to follow up diplomatically with stakeholders who are slow to respond without straining relationships.
• Clear communication: Ability to prepare design reviews capture decisions and their rationale and make complex analysis clear to engineers accountants and business stakeholders.
• Learning speed and rigor: Ability to use Claude extensively to close knowledge gaps quickly such as an unfamiliar return code accounting concept or SQL pattern and to verify every finding against a primary source or subject matter expert before it enters a specification.

• Exposure to ACH (return codes effective entry date versus settlement date) card acquiring (authorization capture settlement interchange chargebacks) or cross-border payments.
• Familiarity with BAI2 or other bank statement formats.
• Working knowledge of double-entry accounting including debits credits and the distinction between customer liabilities revenue and receivables sufficient to follow and document journal entry discussions.
• Exposure to a ledger platform such as Fragment Modern Treasury Formance or Increase or to a home-grown ledger.
• Experience with Jira or a similar delivery tool.
• Experience supporting transaction simulations or user acceptance testing for financial systems.

Required Skills:

PAYMENTSQL