The E-Channel Reconciliation Officer is responsible for ensuring the accuracy and integrity of electronic transactions across various digital banking channels (e.g., mobile banking, internet banking, POS, ATMs, card transactions). The role involves daily reconciliation of transactions, identifying discrepancies, resolving exceptions, and maintaining proper documentation to ensure compliance with regulatory and internal policies.
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1. Transaction Reconciliation
- Perform daily, weekly, and monthly reconciliation of e-channel transactions (mobile banking, internet banking, card transactions, ATM, POS, etc.).
- Match system records with bank statements and third-party settlement reports.
- Investigate and resolve discrepancies in a timely manner.
2. Exception Handling & Dispute Resolution
- Identify and report unreconciled transactions, failed transactions, and processing errors.
- Liaise with banks, payment processors, and internal teams (IT, Customer Service, Finance) to resolve discrepancies.
- Initiate chargebacks, refunds, or adjustments as needed.
3. Reporting & Documentation
- Prepare reconciliation reports and summaries for management review.
- Maintain accurate records of reconciliations, adjustments, and resolutions.
- Ensure compliance with internal controls, audit requirements, and regulatory standards.
4. Process Improvement
- Recommend and implement process improvements to enhance efficiency and accuracy.
- Assist in system upgrades and automation of reconciliation processes.
Education & Experience
- Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
- 2+ years of experience in reconciliation, banking operations, or e-payment processing.
- Experience with digital payment systems (cards, mobile money, online banking) is a plus.
Technical Skills
- Proficiency in Excel (VLOOKUP, PivotTables) and accounting software (QuickBooks, SAP).
- Familiarity with banking platforms, payment gateways, and reconciliation tools.
- Knowledge of regulatory standards (PCI-DSS, AML, CBN/other banking guidelines).
Soft Skills
- Strong analytical and problem-solving skills.
- Attention to detail and accuracy.
- Good communication and teamwork abilities.
- Ability to work under pressure and meet deadlines.
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