Employer: Cambrist Limited (Dublin, Ireland)

Location: Remote (home office or other as agreed), with periodic travel to company headquarters in Dublin, Ireland

Reports to: Head of Operations / Product Manager

Type: Contract. Full-time (part-time considered for the right candidate)

Compensation: Competitive base salary, plus performance bonus and the opportunity to earn shares in Cambrist Ltd.

Position and Company Overview: Cambrist is a fast-growing B2B Fintech operating in the card payments domain, whose technology and services support retail banks, acquirers and processors across Europe. Cambrist’s Merchant Acquiring Analytics and Reconciliation platform processes Visa and Mastercard clearing, settlement and scheme invoice data to give acquirers and PSPs a real-time, itemised view of profitability at the merchant, terminal, and transaction level. To support our accelerated growth, Cambrist is recruiting an experienced Payments Reconciliation Specialist to join our Product & Operations team. The right person will have hands-on experience reconciling card scheme clearing and settlement activity at a licensed acquiring bank or a scaled merchant acquiring fintech, and will bring a deep, practical understanding of interchange, scheme fees and chargebacks.

Responsibilities: As a Payments Reconciliation Specialist at Cambrist, you will be responsible for the day-to-day accuracy and integrity of the reconciliation service that underpins our clients’ merchant profitability reporting.

You will:

● Monitor daily reconciliation of Visa and Mastercard clearing, settlement and invoice data against client and scheme-provided files.

● Pro-actively investigate and resolve reconciliation gaps, itemising differences by settlement service, settlement date, settlement amount, cardholder spend, interchange and scheme fees.

● Validate scheme invoices (Visa and Mastercard) against expected interchange and scheme fee calculations, flagging discrepancies for client and scheme follow-up.

● Support onboarding of new clients and data sources, working with IT team to validate new file feeds against Cambrist’s data model.

● Maintain documentation of reconciliation methodology, exceptions and resolutions to support client audits and internal quality control.

● Act as the operational point of escalation for client queries relating to reconciliation and settlement discrepancies.

● Contribute reconciliation domain expertise to the Product team as new features and automated checks are designed for the Merchant Profitability Platform.

● Produce and distribute periodic reconciliation and exception reports to clients and internal stakeholders.

● Continuously identify opportunities to automate manual reconciliation and itemisation steps, working with the IT team to reduce processing time and error rates. Experience and Qualifications

You have:

● A university degree

● At least 3 to 5 years of experience in card scheme payment operations, with specific hands-on experience supporting and managing the reconciliation of Visa and Mastercard transactions associated with clearing and settlement for merchant acquiring.

● A deep, practical understanding of Visa and Mastercard payment operations and financial mechanics, including interchange rates and categories, scheme fees, and the chargeback lifecycle

● Direct experience working with card scheme reports and files, including Mastercard T112/IPM, IP755120-AA Clearing Detail, T140 Fee Collections, T057 currency file; VISA EP747 Settlement, Base II, Outgoing/Incoming ITF.

● Prior work experience at a licensed merchant acquiring bank or a scaled merchant acquiring fintech is strongly preferred. Strong Excel/data-handling skills and comfort working with large, structured transaction files (CSV, fixed-width and scheme-proprietary formats).

● Fluency in English (written and spoken) is required;

● Excellent attention to detail and a methodical, audit-minded approach to investigating and documenting discrepancies.

● Comfortable multi-tasking and working independently in a fast-paced, small-company environment, with proactive escalation of issues before they become urgent.

● Full working rights in Ireland or in an EU member state.

Compensation, Benefits & Perks

● Very competitive salary

● Flexible working hours and fully remote working model.

● Company-wide retreats.

● Ability to earn performance bonuses & share options.