# Reconciliation and Settlement Officer

> ZainCash · Baghdad, Iraq · Full-time · Posted 2026-09-08

**Workplace:** on_site

**Department:** Finance

## Description

**About Zaincash**

ZainCash Iraq is a leading mobile wallet in Iraq and recognized as Forbes top Fintech company of 2023 and 2024 as well as GSMA’s Best Mobile Innovation Supporting Humanitarian Situations. The company offers a range of consumer and business services including local and international money transfer, bill payments, companion payment cards, payroll, aid disbursement, and more. For more information, please visit www.zaincash.iq.

**Responsibilities:**

-   Perform daily and monthly reconciliation of all transactions to ensure accuracy, completeness, and consistency across systems and reports.
-   Monitor transaction flows closely to identify any abnormal behaviors, discrepancies, or irregular patterns.
-   Investigate and analyze any detected anomalies, determine root causes, and document findings clearly.
-   Prepare detailed reconciliation reports highlighting variances, issues, and overall transaction performance.
-   Coordinate with relevant teams to resolve discrepancies in a timely and efficient manner.
-   Maintain proper records and documentation of reconciliation activities for audit and compliance purposes.
-   Continuously review and improve reconciliation processes to enhance efficiency, accuracy, and risk control.

## Requirements

-   Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
-   Knowledge of card transaction flows and card settlement processes.
-   Strong analytical and problem-solving skills, with the ability to identify discrepancies and investigate root causes.
-   Good understanding of financial transactions, payment systems, and reconciliation processes.
-   Advanced proficiency in Microsoft Excel, including expertise in PivotTables, XLOOKUP, and data analysis functions.
-   Ability to handle large volumes of data and work under pressure to meet deadlines.
-   Basic knowledge of SQL and relational databases.
-   Very good command of English.

## Apply

[Apply at ZainCash](https://apply.workable.com/zaincash-1/j/9A51C475A8/apply)

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