Financial Operations Specialist

At Papel Holdings, we’re not just another Fintech company. We’re on a mission to revolutionize the financial landscape. From innovative banking solutions to cutting-edge digital asset products, we’re transforming how people interact with money.    Careers at Papel suit those who want to have an impact, who are comfortable getting uncomfortable, willing to take risks and win big. We are brave, laser-focused and have high aptitude, with a little playfulness for good measure.  If you’re someone who thrives on high accountability, possesses a start-up spirit, and flair for industry-savvy solutions, you’ll fit right in.    If this resonates with you, you’ll have the opportunity to make a real impact and be part of something that’s changing how we interact with money and wealth. POSITION OBJECTIVE We are seeking a highly motivated and detail-oriented Financial Operations Specialist/Analyst to join our growing team. This role is critical to ensuring the smooth and accurate execution of our financial transactions, supporting our core business operations, and maintaining the integrity of our financial data. You will play a key role in optimizing our financial processes, collaborating with various internal teams, and contributing to the scalability of our financial infrastructure as we continue to grow. KEY RESPONSIBILITES Transaction Management: Oversee and execute daily financial operations, including payment processing, reconciliations, settlements, and disbursements across various payment rails and financial products. Monitor transaction flows to identify and resolve discrepancies, payment failures, and exceptions promptly. Manage chargebacks, refunds, and dispute resolution processes in accordance with company policies and regulatory requirements. Reconciliation & Reporting: Perform regular and complex reconciliations of bank accounts, payment gateways, ledger accounts, and internal systems to ensure accuracy and identify variances. Prepare daily, weekly, and monthly financial operations reports, highlighting key metrics, trends, and potential issues. Contribute to the development of enhanced reporting tools and dashboards. Process Optimization & Automation: Identify opportunities for process improvement, automation, and standardization within financial operations to increase efficiency and reduce manual effort. Collaborate with product, engineering, and data teams to implement new features, system enhancements, and automation initiatives related to financial flows. Document financial operations procedures and ensure adherence to best practices. Compliance & Risk Management: Ensure all financial operations activities comply with relevant financial regulations (e.g., AML, KYC), internal policies, and industry standards. Assist in internal and external audits by providing necessary documentation and explanations related to financial operations. Identify and mitigate operational risks within financial processes. Stakeholder Collaboration: Work closely with internal teams including Product, Engineering, Customer Support, and Finance to resolve issues, support new product launches, and improve customer experience. Communicate effectively with external partners, banks, and payment providers to resolve operational matters. Requirements Bachelor's degree in Finance, Accounting, Business Administration, or a related field. 3-5 years of experience in financial operations, payment operations, or a similar role, preferably within a FinTech company, e-commerce, or financial services. Strong understanding of payment ecosystems, transaction lifecycles, and financial reconciliation processes. Proficiency in financial software and accounting systems (e.g., NetSuite, Xero, SAP) and strong Excel skills (VLOOKUPs, pivot tables, advanced formulas). Experience with SQL or other data querying languages is a significant plus. Familiarity with regulatory requirements relevant to financial services (e.g., PCI DSS, AML/KYC) is a plus. Excellent analytical, problem-solving, and critical thinking skills with a keen eye for detail. Strong communication (written and verbal) and interpersonal skills. Bonus Points If You Have: Experience with high-volume transaction processing. Knowledge of specific payment methods relevant to our business (FX, digital assets) Proven track record of improving operational efficiency through automation or process re-engineering. Benefits Competitive pay Discretionary bonus Comprehensive Healthcare