Our client is a fast-growing international business operating within the digital services sector. The company manages a high volume of online transactions across multiple jurisdictions and payment providers and is seeking a detail-oriented finance professional to support payment operations, cash management, and financial reporting activities.

This position offers an excellent opportunity for candidates looking to develop into broader finance business partnering and treasury-focused roles while gaining exposure to complex payment ecosystems and multi-currency operations.

Location: Hybrid - Malta

Responsibilities:

Reporting to the Accounting Lead, the Financial Accountant – PSP Analyst will serve as the primary point of expertise for payment service provider (PSP) operations, reconciliations, and cash management activities.

The successful candidate will take ownership of the end-to-end PSP lifecycle, monitor and manage daily cash positions, support treasury operations, and contribute to general accounting processes. This role requires strong analytical skills, attention to detail, and the ability to operate effectively within a fast-paced environment.

PSP Operations & Analysis

• Manage and navigate payment provider portals to retrieve statements, settlement reports, and transaction-level data.

• Monitor PSP balances daily and identify accounts requiring top-ups or withdrawal.

• Perform end-to-end reconciliation of PSP transactions and resolve discrepancies in a timely manner

• Verify PSP fees against agreed commercial terms and investigate variances

• Monitor settlement performance and follow up on delayed settlements

• Reconcile monthly service charges related to payment processing activities

• Manage PSP-related correspondence and operational queries

• Maintain organised records of statements, reports, and supporting documentation

• Prepare regular KPI reports covering transaction volumes, settlement performance, fee analysis, balance positions, and operational exceptions

• Support onboarding activities for new payment providers, including commercial and operational readiness reviews

Cash Management & Treasury Support

• Monitor daily cash and e-money balances across multiple accounts and providers

• Initiate and track outgoing payments in accordance with internal approval procedures

• Maintain accurate records of incoming and outgoing cash movements

• Prepare regular cash position reports, highlighting exceptions and liquidity risks

• Assist with short-term cash flow forecasting and liquidity planning

• Maintain access and operational knowledge of banking and payment platforms

• Support foreign exchange monitoring and multi-currency cash management activities

Accounting & Financial Support

• Process payment-related transactions and associated fees within the accounting system

• Prepare journals and perform general bookkeeping activities

• Support weekly payment runs and supplier payment processes

• Produce regular PSP balance and reconciliation reports

• Assist with audit requests and statutory reporting requirements

• Support VAT and indirect tax compliance activities

• Assist with month-end and year-end accounting processes

• Prepare ad hoc reports and analysis as required

Requirements:

Essential

• Practical experience working directly with payment service providers within finance, payments operations, treasury, or accounting functions

• Experience monitoring and managing cash positions across multiple accounts and currencies

• Strong reconciliation experience involving high transaction volumes

• Ability to analyse payment data and prepare meaningful operational reports and KPIs

• Experience managing operational email inboxes and stakeholder communications

• Bachelor's degree in Accounting, Finance, Business, or a related discipline (or equivalent practical experience)

• Minimum 2 years of experience within finance operations, payments, treasury, reconciliation, or accounting environments

• Advanced proficiency in Microsoft Excel and/or Google Sheets

• Strong written and verbal communication skills in English

• Excellent attention to detail and organisational skills

Highly Desirable

• Experience working with reconciliation platforms and payment operations tools

• Familiarity with cloud-based accounting software

• Exposure to multi-entity and multi-currency environments

• ACCA, ACA, CIMA, or equivalent professional qualification (part-qualified or qualified)

• Experience automating financial processes using macros, scripts, workflow tools, or similar technologies

• Previous experience supporting treasury or cash management functions

Personal Attributes

• Analytical and detail-oriented approach

• Strong ownership mentality and accountability

• Ability to manage multiple priorities in a fast-paced environment

• Proactive problem-solving skills

• Strong interpersonal and stakeholder management abilities

• Continuous improvement mindset with a focus on process optimisation

What’s in it for you?

Our client offers an exciting, challenging role in a collaborative, dynamic environment. The right person will find many career growth opportunities in their company, whether you want to advance your technical skills or aspire to leadership in the future.

Benefits:

• Hybrid working arrangement.

• Access to our Mental Well-Being Program.

• Regular social gatherings on our terrace, plus team and company events

• Private Health Insurance, Dental Insurance, and wellness vouchers