Reconciliation and Billing Analyst (Payments)

Location: Hong Kong, Malaysia, Singapore, or Taiwan; remote-first, work-from-home arrangement may vary depending on the role and team.

Company

Binance is a global blockchain and digital-asset ecosystem offering trading, finance, payments, institutional services, education, research, and related products.

What you will do

• Reconcile network billing across issuing accounts and validate fee categories, event codes, clearing files, settlement files, and charges against internal transaction data.
• Validate processor, personalization bureau, and issuing-vendor invoices against contracted pricing and actual volumes; investigate pricing errors, tier misapplications, and contract non-compliance.
• Manage scheme mandates and program enrolments, including effective dates, renewals, fees, compliance, active-program registers, and opt-outs from non-value-adding auto-billing services.
• Reconcile commission, interchange, and revenue-share statements against commercial terms and settled volumes; resolve underpayments, calculation errors, and missed cycles.
• Maintain billing forecasts, detect anomalies, investigate root causes, and provide projected exposure against budget before invoices are received.
• Prepare variance reports, build Excel/BI reconciliation tools and dashboards, coordinate GL alignment with Finance, and support audits and regulatory reviews.

Requirements

• Bachelor's degree in Finance, Accounting, Business, or a related field.
• 1–3 years of experience in issuing or processing operations or payments finance, with direct exposure to scheme billing or settlement reconciliation.
• Working knowledge of scheme mandate structures, program enrolments, and fee governance for Mastercard, Visa, and American Express.
• Strong Excel skills, including pivot tables, lookups, and reconciliation of large datasets.
• Strong analytical and investigative skills covering transaction routing, authorization failures, and data mismatches.
• Strong written communication skills for dispute filing and vendor or scheme correspondence.
• Ability to work independently and follow issues through to resolution with minimal supervision.

Nice to have

• Prior exposure to acquirer commission or interchange reconciliation.
• Familiarity with tokenization billing, including MDES and VTS, PCI and scheme compliance fee structures, and settlement or clearing cycles.
• Experience building reconciliation tools, trackers, or dashboards.
• Early-career experience at a card issuer, processor, program manager, or payment service provider.

Culture & Benefits

• Remote-first, work-from-home arrangement, subject to the nature of the role and team.
• Global, user-centric organization with a flat structure and collaboration with world-class talent.
• Fast-paced, innovative environment with autonomy and challenging projects.
• Results-driven workplace with career growth and continuous learning opportunities.
• Competitive salary and company benefits.