Junior Treasury and Bank Reconciliation Officer

• The Junior Treasury & Bank Reconciliation Officer will be responsible for
• performing daily and monthly reconciliations of bank accounts, safeguarding
• accounts, and payment flows for all the firms within the Ballinger Group. The
• role ensures accuracy of financial records, timely identification of
• discrepancies, and compliance with FCA and MFSA regulatory requirements,
• including safeguarding of client funds.
• A successful candidate is expected to have knowledge of, and an interest in,
• Group treasury management operations.

Key Responsibilities

Bank & Payment Reconciliations

•  Perform daily, weekly, and monthly bank reconciliations across multiple
• currencies and Firms.
•  Reconcile client funds, safeguarding accounts, settlement accounts, and
• operational accounts

 Reconcile transaction flows between

• o Core payments platform
• o Bank statements
• o Liquidity Providers statements
•  Investigate and resolve discrepancies and unmatched transactions in a
• timely manner
•  Maintain reconciliation logs, ageing reports, and audit trails

Safeguarding & Regulatory Compliance

•  Support client money safeguarding reconciliations in line with relevant
• regulatory requirements. Assist in monitoring segregation of client
• funds from company funds
•  Prepare reconciliation evidence for internal controls, audits, and
• regulatory reviews
•  Support external auditors and regulators with documentation and
• explanations

Reporting & Controls

•  Produce daily and monthly reconciliation reports for management
•  Produce daily treasury and cash flow reports.
•  Escalate unresolved items and operational risks promptly
•  Support improvements to reconciliation processes and controls
•  Assist with month-end close activities
•  Produce daily cash position reports
•  Maintenance client and counterparty margin logs and reporting

Stakeholder Collaboration

 Liaise with

• o Operations teams
• o Finance Teams
• o Compliance and Risk teams
•  Support onboarding of new bank accounts, Liquidity Providers, or
• payment methods from a reconciliation perspective

Key Skills & Competencies

Technical Skills

•  Strong experience in bank and payment reconciliations
•  Understanding of PSP / EMI transaction flows (SEPA, Faster Payments,
• SWIFT etc.)
•  Multi-currency reconciliation experience
•  Experience with accounting systems and reconciliation tools

Regulatory & Industry Knowledge

•  Knowledge of EMI/PSP regulatory requirements
•  Understanding of client money concepts and segregation

Soft Skills

•  High attention to detail and accuracy
•  Strong analytical and problem-solving skills
•  Ability to work under tight deadlines
•  Clear communication and escalation skills
•  Strong sense of ownership and accountability

Experience & Qualifications

Essential

•  2–5 years’ experience in a regulated financial services environment
• (PSP, EMI, bank, fintech)
•  Proven experience performing daily bank and safeguarding
• reconciliations
•  Experience working with multiple bank accounts
•  Knowledge of treasury management operations.

Desirable

•  Experience in both UK and EU regulated environments
•  Knowledge of accounting standards relevant to financial institutions
•  Part-qualified or studying towards ACCA, CIMA, or equivalent

Skills and Attributes

•  High level of technical aptitude and process orientation.
•  Proactive and self-motivated, with the ability to work independently in a
• part-time capacity.
•  Strong organisational skills and ability to manage multiple priorities
• effectively.
•  Professional integrity and reliability