TodaPay

TODA Pay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.

Requirements:
• 4+ years of experience in account management or partnerships in fintech / PSP / payments.
• Strong experience working with high-risk industries (gambling, betting, forex).
• Solid understanding of payment processing, APMs, card acquiring, and payment flows.
• Experience managing B2B clients and strategic accounts.
• Fluent English (written and spoken, Upper-Intermediate).
 

Key Responsibilities:
Account Management & Client Relations
• Manage and develop relationships with assigned B2B merchant accounts.
• Take ownership of strategic clients transferred from the Sales team.
• Build long-term partnerships and act as the main point of contact for merchants via written and verbal communication.

Merchant Growth & Payment Optimization
• Identify client needs and propose appropriate payment solutions from our product portfolio.
• Support merchant expansion by launching new payment methods and entering new GEOs.
• Develop growth strategies for key merchants and oversee performance plans.

Performance Monitoring
• Track payment metrics including volume, conversion rates.
• Analyze payment performance and identify opportunities for optimization.

Operational Coordination
• Coordinate merchant onboarding and payment solution launches.
• Work closely with other departments ( Tech, Support, Risk, Compliance, Finance, Legal).
• Handle complex client escalations and ensure timely resolution.

Commercial Development
• Prepare commercial proposals and participate in negotiations.
• Identify upsell and cross-sell opportunities within existing accounts.
• Contribute to merchant retention and revenue growth.

We offer:
• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees

TODA Pay is an international fintech company in digital payments and financial infrastructure across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.

Reconciliation Specialist will be supporting daily and monthly reconciliation processes across acquiring and payout operations within a crypto-fiat payment processing environment. The role is required to strengthen financial control, improve reconciliation accuracy, reduce operational risks, and ensure timely financial reporting for merchants, providers, Treasury, KAM, Business
Development, and management teams.

The Reconciliation Specialist will be responsible for performing reconciliation of transaction data, settlement calculations, provider reports, merchant balances, fees, rolling reserves, refunds, chargebacks, and payouts. The employee will work closely with Finance, Treasury, KAM, Business Development, and Operations teams to ensure accurate financial data and stable financial flows between payment providers, merchants, and internal systems.

Key Responsibilities:

• Reconcile acquiring and payout flows, including turnover, fees, settlements, refunds, chargebacks, and rolling reserves.
• Compare provider reports with internal system data and identify discrepancies.
• Investigate and resolve reconciliation differences with relevant teams.
• Support settlement calculations and verify payable amounts based on commercial terms, fees, FX rates, and settlement periods.
• Monitor merchant and provider balances, settlements, payouts, deductions, and adjustments.
• Track rolling reserve accruals, releases, adjustments, crypto conversions, and wallet transfers when applicable.
• Prepare financial data for monthly and annual merchant reports.
• Support Treasury by validating provider balances and settlement schedules.
• Provide financial data, margin calculations, fee checks, and ad hoc reports for KAM, Business Development, and management.
• Maintain clear documentation of reconciliation logic, workflows, data sources, and recurring issues.

• Support process improvement and automation initiatives for reconciliation files, reports, and calculation templates.

  
  Requirements:

• Experience in fintech, payment processing, acquiring, e-commerce, or crypto payments preferred.
• 3+ years of experience in financial reconciliation, settlement operations, payment operations, treasury support, accounting, or finance operations.
• Understanding of transaction flows, settlements, fees, refunds, chargebacks, balances, and rolling reserves.
• Strong Excel / Google Sheets skills, including formulas, pivot tables, lookups, and reconciliation files.
• Ability to work with large datasets and identify discrepancies.
• Experience with multi-currency transactions and FX calculations.
• High attention to detail, numerical accuracy, analytical thinking, and structured task management.
• Good communication skills and ability to collaborate with Finance, Treasury, KAM, Business Development, and Operations teams.
• Experience with Corefy or similar processing platforms, BI tools, APIs, or automated reporting tools is an advantage.
• Strong practical Excel / Google Sheets skills and ability to pass a reconciliation test.
• Ability to explain discrepancies clearly and propose resolution steps.
• Understanding of payment settlement logic, fees, reserves, refunds, chargebacks, and FX impact.
• Accuracy, responsibility, and ability to handle repetitive but high-risk financial tasks.
• Comfortable working in a fast-paced fintech environment with urgent operational requests.
  
  We offer
• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees

TODA Pay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.

We are looking for a detail-oriented and proactive Business Analyst to join our Technical team to hold a strategic role at the intersection of business, product, and engineering. You will translate the needs of merchants, compliance, and risk management into clear specifications that enable the development team to build things right the first time.

Requirements
Experience
• 3+ years in a Business Analyst or Systems Analyst role
• Required: experience in fintech, payment systems, or banking
• Experience with payment processes: acquiring, processing, PSP/PayFac — preferred
• Participation in Agile/Scrum teams: grooming, planning, retrospectives

Technical Knowledge
• Proficiency in BPMN 2.0, UML (Use Case Diagram, Sequence Diagram, Activity Diagram)
• Understanding of the transaction lifecycle: auth → capture → settlement → reconciliation
• Knowledge of dispute resolution and chargeback processes (Visa / Mastercard rules)
• Experience with REST API documentation: reading, writing, testing via Postman / Swagger
• Basic understanding of PCI DSS scope, AML/KYC requirements in the context of payment systems
• Proficiency with tools: Confluence, Notion, Jira/Linear, Miro/Lucidchart

Personal Qualities
• Systems thinking: sees the process as a whole, not just within the scope of a task
• High attention to detail in specifications and edge cases
• Proactive: asks the right questions, doesn't wait for a ready-made spec
• Clear written and verbal communication in English
• Comfortable at the intersection of business and technology; doesn't shy away from developer
conversations

Responsibilities
Requirements & Documentation
• Gathering business requirements from stakeholders: commercial, risk, compliance, merchants
• Writing functional specifications, user stories, and acceptance criteria (Definition of Done)
• Modeling business processes in BPMN 2.0 notation — AS-IS and TO-BE
• Maintaining and updating product documentation in Confluence / Notion

Payment Processes
• Describing and optimizing payment flows: authorization, clearing, settlement, refunds, chargebacks
• Analyzing and documenting transaction routing logic and waterfall strategies
• Gap analysis during platform consolidation and merchant migration
• Supporting integrations with acquirers and PSP providers via REST API / ISO 8583

Team Collaboration
• Active participation in grooming, sprint planning, UAT, and demos
• Close collaboration with Product Owner, developers, and QA
• Communication with compliance/risk on regulatory requirements (PCI DSS, AML/KYC)
• Preparing training materials for operations teams and merchants

Nice to have
• Understanding of high-risk market specifics and regulatory constraints
• Knowledge of financial messaging protocols (ISO 8583/ISO 20022)
• Hands-on experience describing and automating rolling reserves and dispute management processes
• Participation in consolidation or re-platforming projects in fintech

We offer 

• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company 
• 24  paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days 
• An opportunity to work full remote or hybrid flexibility 
• Collaborative and friendly team 
• Professional education budget after 6 months working in the company 
• Birthday gift bonus for all our employees

We are a fast-growing Payment Service Provider (PSP) working in the high-risk fintech segment.

Right now, we are building a new unified payment platform, consolidating several existing systems into one scalable solution.

We are looking for a Business Analyst who will play a key role at the intersection of business, product, and engineering — translating complex payment processes into clear and actionable specifications.

 What you will do

🔹 Requirements & Documentation

• Gather business requirements from stakeholders (product, risk, compliance, merchants)
• Write clear specifications, user stories, and acceptance criteria
• Model business processes (BPMN 2.0, AS-IS / TO-BE)
• Maintain documentation (Confluence / Notion)

🔹 Payment Processes

• Describe and optimize payment flows:
  • authorization
  • settlement
  • refunds
  • chargebacks
• Analyze transaction routing logic (smart routing, waterfall)
• Support integrations with PSPs and acquirers (REST API)
• Participate in platform consolidation and migration

🔹 Collaboration

• Work closely with Product, Engineering, and QA
• Participate in Agile ceremonies (grooming, planning, demos)
• Align with compliance and risk teams (PCI DSS, AML/KYC)

• Prepare materials for internal teams and merchants

   

 Requirements

🔹 Must-have

• 3+ years as Business Analyst / Systems Analyst
• Experience in fintech / payments / banking
• Strong understanding of payment lifecycle
  (authorization → capture → settlement → reconciliation)
• Experience working with REST APIs (Postman / Swagger)
• BPMN / UML knowledge
• Experience with Agile / Scrum
• Strong English communication skills

🔹 Nice to have

• Experience with PSP / acquiring / PayFac
• Knowledge of ISO 8583 / ISO 20022
• Experience with chargebacks / disputes / rolling reserves

• Experience in platform migration projects

   

What we offer

• Work on a real fintech product in the high-risk domain
• Participation in building a scalable payment platform
• Close collaboration with product and tech teams
• Flexible work format (remote / hybrid)
• Opportunity to influence product decisions
• Professional growth in fintech