Director Reconciliation and Settlement

10+ years in transactional operations, reconciliation, or settlement roles Deep experience in credit/debit card processing, including settlement (Visa/Mastercard), interchange validation, chargebacks, and dispute workflows Strong background in installment lending, merchant processing, and ACH payment systems Proven experience building and scaling reconciliation processes, controls, and reporting frameworks Solid understanding of accounting principles, journal entries, and financial controls Ability to identify, investigate, and resolve reconciliation discrepancies and cash breaks Advanced Excel skills (pivot tables, complex formulas, large data analysis) Executive presence and ability to manage relationships with capital partners (e.g., banks like EverBank, DLL, U.S. Bank) Strong documentation skills for operational processes and controls Must be willing and able to commute to Woodbridge, NJ 3x/week (Tues-Thurs) Plusses Fintech experience, particularly in POS financing or embedded lending platforms Experience building card processing operations from the ground up Exposure to automation tools, reconciliation platforms, or workflow optimization SQL or data analysis tool proficiency Experience working directly with capital markets or lending partners Experience supporting new product launches or scaling new financial products Day to Day One of our Fintech clients is seeking a Director of Reconciliation and Settlement that will lead the daily execution and ongoing evolution of all cash movement, reconciliation, and partner settlement activities across the platform. This individual will focus on learning the existing business, evaluating current processes and controls, and ensuring all reconciliation procedures are fully documented and audit-ready. They will oversee daily balancing of transactions, investigate discrepancies, and refine workflows to improve accuracy, efficiency, and speed of resolution. A key focus will be building and enhancing the organization’s credit card processing and settlement capabilities, particularly as the company scales into new transaction types. The role will also involve close collaboration with capital partners, ensuring timely reporting and acting as the primary operational liaison. Over time, this leader will proactively identify opportunities to tighten controls, implement automation, and redesign processes to support growth. Success in this role requires a highly dynamic operator who can quickly react to changing business needs while building a scalable, best-in-class reconciliation function. Key Responsibilities Lead onboarding and ongoing management of capital partner relationships Oversee daily cash movement, reconciliation, and settlement activities Manage debit/credit card reconciliation, settlement, and exception handling Investigate and resolve discrepancies, ledger breaks, and settlement issues Design and implement scalable reconciliation processes and controls Develop reporting for internal stakeholders and external partners Partner with Product, Technology, and Finance to enhance systems and automation Document all processes, controls, and workflows to ensure audit readiness Support customer service, commercial teams, and new product rollouts Drive continuous improvement and operational efficiency initiatives #J-18808-Ljbffr Zenith HR