Finance Operations Officer

THIS POSITION IS LOCATED IN MALTA

About Us 

At TPF, we believe that payments are an essential part of our complex daily lives, and they should be as simple as possible. Founded by entrepreneurs with a successful track record in financial services, TPF is a fully licensed Electronic Money Institution committed to empowering businesses and individuals with effortless ways to make and take payments.

Through a combination of expertise, cutting-edge technology, and standout customer support, we aim to become a global leader in digital payment solutions. We embrace unconventional businesses with unique needs or those operating in emerging sectors, providing business accounts, payment processing services, digital wallets, and payment gateways to help them grow quickly and safely.

About the Role

We are looking for a Finance Operations Officer to join our growing team and support the financial operations behind our payments and acquiring platform. Reporting to the Finance Operations Manager, you will play a key role in ensuring merchant settlements, reconciliations, and client fund safeguarding processes run smoothly and accurately.

This role offers hands-on exposure to the end-to-end payments lifecycle, including merchant settlements, card scheme costs, and operational accounting. You will work closely with finance, operations, and payments teams to investigate discrepancies, improve processes, and help build scalable systems as the company grows.

This position is ideal for someone who enjoys solving complex reconciliation challenges, working with data, and contributing to a fast-moving fintech environment where there is real opportunity to shape how things are built.

Main Responsibilities

Merchant Reconciliations

• Reconcile merchant settlements and balances between internal systems, gateway reports, and bank accounts.
• Investigate and resolve discrepancies relating to merchant payouts, fees, and adjustments.
• Ensure merchant balances are accurately recorded and monitored.

Financial Posting & Accounting

• Post and maintain accounting entries relating to:
  • Merchant liability accounts
  • Card scheme settlement accounts
  • Payment processing fees and costs
• Support month-end reconciliation and financial reporting processes.

Card Scheme Cost Management

• Assist with monitoring and reconciling card scheme fees, interchange, and processing costs.
• Support the review of scheme invoices and cost recovery from merchants, ensuring pricing structures remain sustainable and competitive.

Bank & Safeguarding Reconciliation

• Perform reconciliations of operational and safeguarding bank accounts.
• Ensure safeguarding requirements are met by verifying that client funds are appropriately segregated and protected.

Merchant Payments

• Support the preparation and execution of merchant settlement payments.
• Monitor payment cycles and ensure timely payouts to merchants.

Client Support

• Provide feedback to client support team to respond to merchant queries relating to:
  • Settlement reports
  • Merchant balances
  • Payments and deductions
• Provide clear explanations of reconciliation outcomes and settlement calculations.

Process Improvement

• Help design and improve finance operations processes and reconciliation controls.
• Work with internal teams to build scalable processes as the company grows.
• Contribute to operational standards that improve efficiency and accuracy across teams.

Requirements

Experience & Knowledge

• 1–3 years experience in finance operations, payments, reconciliation, or accounting
• Exposure to card acquiring, payments, fintech, or banking is highly desirable
• Understanding of merchant settlements, card schemes, or payment flows is a strong advantage

Technical Skills

• Strong Excel / data analysis skills
• Experience working with reconciliation processes
• Familiarity with accounting systems (eg. Xero) and financial postings
• Experience using data tools or BI platforms (e.g. Tableau) is a plus

Personal Skills

• Strong analytical and problem-solving ability
• High level of attention to detail
• Ability to work independently and take ownership
• Comfortable working in a startup environment with evolving processes
• Strong communication skills when dealing with internal teams and merchants