This hands-on role in a financial technology company involves supporting cross-border payment operations by managing liquidity, rates, providers, settlements, accounts, and transaction reconciliation. The Treasury Analyst will execute daily treasury activities to ensure client transactions are priced, funded, settled, and reconciled accurately. It suits a detail-oriented, commercially aware individual comfortable with numbers, understanding FX, payments, and transaction operations.
Responsibilities
Source and compare FX rates from liquidity partners, providers, banks, and market sources to help offer competitive pricing to clients
Support liquidity management by tracking available balances across accounts, currencies, partners, and payment corridors to ensure transactions can be funded and settled on time
Manage provider and partner relationships by following up on rates, settlements, transaction status, payment confirmations, and operational issues affecting service delivery
Identify arbitrage and margin opportunities by monitoring market rates, provider pricing, corridor spreads, and transaction flows across different currencies and payment routes
Support cross-border transaction execution by coordinating with internal teams and external providers to ensure payments are processed accurately, efficiently, and within agreed timelines
Monitor settlements closely by tracking outgoing and incoming payments, confirming funds received, escalating delays, and ensuring clients and internal teams receive timely updates
Manage treasury accounts and balances by maintaining visibility over bank accounts, wallets, provider balances, and other payment channels used for transaction execution
Perform daily reconciliation by matching transactions, payments, balances, fees, rates, and settlement confirmations across internal records, bank statements, and provider reports
Maintain accurate treasury records by updating trackers, ledgers, CRM notes, transaction logs, rate sheets, settlement reports, reconciliation files, and other internal treasury documents
Escalate exceptions and resolve issues quickly by identifying failed payments, delayed settlements, rate differences, missing confirmations, incorrect balances, or reconciliation gaps
Collaborate with sales, compliance, and operations teams to ensure transactions are properly documented, priced correctly, compliant, and executed with a strong client experience
Provide regular treasury updates on liquidity position, settlement status, provider performance, rate trends, transaction margins, reconciliation issues, and key operational risks
Requirements
2 to 4 years of experience in treasury operations, payment operations, finance operations, FX operations, banking operations, fintech, or a related field
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Strong understanding of FX, payments, cross-border transactions, settlement processes, liquidity, and transaction reconciliation
Comfortable working with numbers, rates, margins, balances, and transaction records
Strong attention to detail and ability to identify errors, discrepancies, delays, and reconciliation gaps
Experience working with banks, fintech partners, liquidity providers, payment providers, or financial service platforms is a plus
Ability to manage multiple transactions, providers, accounts, and follow-ups at the same time
Strong Excel or Google Sheets skills, including comfort with trackers, reconciliations, formulas, and transaction reporting
Strong communication skills and ability to follow up professionally with internal teams and external partners
Good judgment and ability to escalate urgent issues quickly, especially where payments, settlements, or client funds may be affected
High level of integrity, confidentiality, and responsibility when handling financial information and transaction records
Ability to work in a fast-paced environment where accuracy, speed, and reliability are critical
Benefits
Treasury performance incentives tied to agreed monthly and quarterly targets
Incentives may be based on clear treasury performance metrics, including settlement timeliness, reconciliation accuracy, liquidity availability, provider responsiveness, transaction margin support, rate competitiveness, and overall contribution to smooth payment operations
Performance will be reviewed monthly and quarterly, with incentives awarded based on achievement against agreed targets
Join a fast-growing cross-border payments company serving real business needs
Gain hands-on exposure to FX, treasury operations, liquidity management, settlements, and international payments
Work directly with experienced treasury, sales, compliance, and operations teams
Build a strong foundation in payment execution, reconciliation, provider management, and transaction operations
Play a key role in ensuring clients receive fast, reliable, and secure cross-border payment services
Opportunity to grow into more senior treasury, operations, or finance roles based on performance
Important Details
Work format: Hybrid remote in Lagos
About the Company
We are a financial technology company that helps businesses and individuals move money across borders. We support clients with international payments, FX, and cross-border transaction solutions across multiple markets. Our goal is to make global payments faster, more reliable, and easier for the businesses and individuals who depend on them. We work with SMEs, corporates, and high-net-worth clients who need secure and efficient ways to send, receive, and manage international payments.
