Reconciliation Specialist

LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live.

What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity.

About the role: You'll own reconciliation across LemFi's financial records, from the general ledger through to bank accounts and partner settlements. This is hybrid remote/office work, and the team operates on a rotating weekend schedule, covering either a Saturday or Sunday approximately once per month. You'll need 3+ years of hands-on reconciliation experience and a comprehensive understanding of how payment and settlement transaction chains work globally. This role demands accuracy, problem-solving under pressure, and the ability to work cross-functionally with Finance, Accounting, Engineering, and partners to keep our financial operations tight and compliant.

What you'll build and own:

• Reconcile transactions across the general ledger and sub-ledgers.
• Ensure accuracy and completeness of financial records, including complex transactions.
• Reconcile bank accounts and credit card transactions end to end.
• Identify and resolve discrepancies: double charges, incorrect amounts, failed bookings, outstanding transactions.
• Follow up continuously and provide updates to management.
• Lead investigation and recovery of unsettled transactions with partners and banks.
• Monitor disputed transactions for possible fraudulent activity and report findings.
• Prepare daily, month-end and year-end reports.
• Prepare monthly bank reconciliation reports with accurate breakdowns for the Finance Department.
• Present findings to management, highlighting discrepancies and providing insights.
• Work closely with Customer Services, Engineering, and Product teams to resolve customer disputes and requests within SLA.
• Support new product development and process improvements.
• Maintain relationships with banking and payments partners.
• Ensure compliance with all partner obligations including periodic filings and reports.
• Support internal and external auditors with documentation and ensure data quality and accuracy that supports better organisational decision-making.

Your experience:

• 3 to 5 years of reconciliation experience with comprehensive knowledge of how payment and settlement transaction chains work globally.
• Proficiency in Excel, Word and reconciliation tools (in-house or third-party).
• Excellent analytical, research, verbal and written communication skills.
• High level of accuracy and attention to detail in financial reporting and reconciliation tasks.
• Strong problem-solving skills, even under pressure and tight deadlines.
• Ability to manage multiple priorities and meet deadlines.
• A strong team player with a customer service orientation.
• Adaptable to global operational needs and able to work in a rapidly changing business and regulatory environment.
• Experience working in fintech or a financial institution is strongly preferred.

Nice to have:

• Previous experience in credit card reconciliation or knowledge of credit products.
• General accounting principles and banking systems knowledge.
• Advanced education degree.

Why Join LemFi? Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this. At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions.