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