Reconciliation Analyst

Job description

**About the Company** At Redpin we **simplify life's most important payments**. Buying a new property overseas can be a stressful time, especially when it comes to moving your money. Through our Currencies Direct and TorFX brands we've been helping people do just that for over 25 years. With recent investment we're now on a mission to build a new range of digital products and services that will make moving money Internationally for Real Estate purchases even easier **We’re on a mission to become the solution for Real Estate payments everywhere**. To do this, we are transitioning our business from a horizontal FX platform to a verticalized, embedded software company, as we look to the future and Redpin 2.0. **About the Role** The Client Money Reconciliations Analyst oversees daily end-to-end reconciliation for safeguarded and segregated client accounts across Group entites. Operating in a time-sensitive environment, this role requires managing both automated system-matching feeds and complex manual exception handling while maintaining strict adherence to daily regulatory deadlines. You will maintain accurate ledgers, ensure compliance (CASS / E-Money Safeguarding), and actively streamline workflows to enhance efficiency. **What You'll Do** - Automated & Manual Reconciliations: Perform daily automated matching of high-volume client transactions and manually investigate complex breaks between internal ledgers and external bank statements. - Deadline & Time Management: Manage daily priorities effectively to execute all reconciliation steps and calculate funding requirements within strict internal and regulatory cutoff times. - Funding & Segregation: Calculate daily client money resource requirements or excess returns to ensure client funds remain 100% segregated and fully compliant. - Process Streamlining & Automation: Identify operational bottlenecks, eliminate manual workarounds, and partner with Tech/Product teams to refine automated matching rules and data feeds. - Break Resolution & Escalation: Track, investigate, and clear aged open items alongside Operations, Payments, and Treasury teams, escalating material breaks promptly to management. - Audit & Regulatory Compliance: Maintain detailed audit trails and assist with regulatory filings and external audits. **What You’ll Need** - Experience: 2+ years in client money/safeguarding reconciliations within Financial Services, Fintech, FX, or Payments. - Domain Expertise: Strong understanding of Client Money / Safeguarding regulations (e.g., FCA CASS / E-Money rules) and double-entry accounting. - Time Management & Deadlines: Proven track record of working under pressure, prioritizing tasks effectively, and meeting tight daily regulatory deadlines. - Technical & Process Improvement Skills: Advanced MS Excel (VLOOKUPs, Pivot Tables) and experience using automated reconciliation software (e.g., AutoRek, ReconArt, SmartStream). Ability to streamline manual workflows. - Core Competencies: Exceptional attention to detail, root-cause analytical skills, and clear cross-functional communication We welcome people from all backgrounds who seek the opportunity to help build a future where we connect the dots for international property payments. If you have the curiosity, passion, and collaborative spirit, work with us, and let’s move the world of PropTech forward, together. Redpin, Currencies Direct and TorFX are proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, colour, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law.