TMM Officer (Reconciliation)
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Key skills for this role
Role Overview
The role oversees and performs reconciliation for card transactions and settlement accounts.
The role covers payment channels, card schemes, ATM/POS networks, digital wallets, and correspondent banking partners.
The role investigates discrepancies, supports compliance, maintains records, and improves reconciliation processes.
Key Skills for This Role
Full Job Posting
Role Objective
The role oversees and performs reconciliation for card transactions and settlement accounts.
The role covers payment channels, card schemes, ATM/POS networks, digital wallets, and correspondent banking partners.
The role investigates discrepancies, supports compliance, maintains records, and improves reconciliation processes.
Reconciliation Responsibilities
- Perform assigned card operations reconciliation in line with Qatar Central Bank regulations and Doha Bank procedures.
- Conduct daily reconciliation for NAPS, Visa, Mastercard, China UnionPay, Apple Pay, ATM/POS networks, settlement banks, and correspondent accounts.
- Reconcile settlement files against internal systems, general ledger, suspense accounts, Nostro accounts, and switch records.
- Resolve breaks, unmatched transactions, rejected transactions, chargebacks, reversals, representments, settlement variances, and scheme adjustments within SLA timelines.
- Coordinate with internal teams and external payment schemes to resolve discrepancies and outstanding items.
- Monitor aged items, review exception reports, and ensure timely closure through escalation.
- Prepare reconciliation reports, management MIS, regulatory reports, and dashboards.
Accounting and Improvement
- Validate e-remittance, refunds, chargebacks, ATM disputes, merchant settlements, and digital wallet transactions.
- Review recoveries, adjustments, and reversals and ensure appropriate accounting treatment.
- Post and monitor reconciliation-related journal entries with Finance.
- Participate in UAT testing, automation initiatives, process enhancements, system upgrades, and new product implementations.
Educational Qualifications
- University degree in business, banking, finance, or another related discipline.
- A master's degree in management or another related discipline is an added advantage.
Experience and Knowledge
- Five to eight years of financial services or banking experience with significant exposure to card operations, reconciliation, or payment operations.
- Strong experience in card scheme reconciliation involving Visa, Mastercard, NAPS, China UnionPay, Apple Pay, ATM/POS, and settlement processes.
- Sound understanding of general ledger reconciliation, Nostro reconciliation, suspense account monitoring, and settlement accounting.
- Knowledge of regulatory requirements, card scheme operating regulations, and banking operational controls.
- Experience in reconciliation automation, UAT testing, and process improvement is an added advantage.
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