Payment Operations Reconciliation System Expert

Company Description

Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.

More about our mission and what we offer.

Job Description

We’re looking for a Reconciliation Systems Expert to join our international Operations team in Tallinn and help impact Wise’s mission of saving millions of people money.

The Reconciliation Team serves as a vital global control function, strategically segregated from Payment Operations to mitigate risk, prevent human error, and ensure complete transparency.

The Role & Team:

We operate on three core pillars: Control (detecting errors and fraud), Quality (ensuring accurate financial data), and Lower Risk (maintaining strict segregation of duties).

• Our Scope: We cover Transfer Products (NorthAm, Emerging Currencies, UK&Europe, APAC) and Global Reconciliation (Spend, Assets, Wise Platform, Treasury accounts).
• Collaboration: Guided by risk and audit requirements, we work closely with Finance, Risk, Operations, and Audit teams.
• Our Vision: To be a centralized, high-performing global team that optimizes processes, closes risk gaps, and ensures Wise operates securely.

Wise has already pioneered new ways for people to transfer money across borders and currencies. Our customers can also manage their hard-earned money with the world’s first platform to offer true multi-currency banking. 

Here’s how you’ll be contributing:

• Execute high-level reconciliations of bank accounts and other reconciliation flows, maintaining deep hands-on expertise with our internal systems and processes.
• Act as the strategic partner for product, engineering, and other stakeholders, translating complex manual tasks and workflow breakages into clean actions for automation and improvement.
• Lead the continuous assessment of our reconciliation control framework. You’ll identify risk gaps, implement robust preventative controls, and act as the primary point of contact for external and internal audits.
• Ensure regional operation teams knowledge on reconciliation topics by conducting training, and owning the continuous optimization of our operational knowledge base.
• Confidently support high-severity incident resolution while coaching the team to level-up on incident handling across severity levels.

This role will give you the opportunity to: 

• Make an Impact - You’ll help to identify and automate manual processes that complicate our customers’ lives, while increasing operational efficiency, driving us towards Mission Zero!
• Challenge Yourself - You’ll be working with teams that face complex situations. You get the chance to question the norm and drive to make things happen. Through that you can learn more about yourself and what you are capable of when given the right tools and mentoring.
• Inspire Teams - You’ll fuel the revolution with your ideas, knowledge, self-starter attitude, and customer insight, which you’ll use to work with product, engineers and other operational teams to help solve our customer’s problems!
• Work Globally - You’ll work closely with internal and external partners and help to figure out ways to make our customers’ lives better.

Qualifications

• You have the right to work in Estonia.
• You have excellent written and verbal English skills. 
• Financial Domain & Audit Prioritization: You have a proven track record in financial operations or reconciliations, with a sharp ability to analyze complex transactions flows.  
• Data & Automation Mindset: You have strong data skills (Advanced Excel; using AI to improve workflows) and a track record of identifying patterns in repetitive manual workflows to optimize matching logic. 
• Control & Audit Governance Mindset: You can independently spot risk gaps in existing workflows, self-validate complex journal entries, and confidently lead external audit walkthroughs without managerial support.
• Growth & Iteration Mindset: You actively seek out peer and stakeholder feedback to calibrate your work accuracy, and you use its insights to continuously improve. 
• Operational Accountability: You can independently manage and adapt your schedule to ensure critical, time-sensitive milestones (such as month-end finance reporting) are consistently met without sacrificing quality. 
• You have a track record of being effective at navigating complex technical systems, reading internal documentation, and independently synthesizing information to solve unfamiliar operational issues.
• Project Ownership & Stakeholder Management: You have a proven track record of independently leading cross functional processes improvement initiatives. You excel at diagnosing complex operational trends, measuring the size and impact of an issue using data, and driving solutions. You are skilled at communicating impact to other teams and managing pushback  while keeping stakeholders aligned and accountable to long-term operational goals.
• Have experience and project work that uses AI to improve workflows. 

Some extra skills that would be great:

• Proficiency in data tools such as SQL 
• You have proficiency in either (or both) Portuguese or Spanish. 

Additional Information

If you're interested, please apply by submitting your CV in English latest by 30th of June EOD.

For everyone, everywhere. We're people building money without borders  — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.

Keep up to date with life at Wise by following us on LinkedIn and Instagram.