Financial Accountant: PSP & Cash Management

PressEnterGroup•Malta, NY

3d•Hybrid

About The Position

As Financial Accountant: PSP Analyst, you will be the primary internal expert on all matters relating to the Company's payment service providers (PSPs) and the day-to-day management of the Company's cash and treasury positions, reporting to the Accounting Lead. The role is PSP- and cash-first: owning the full lifecycle of PSP operations, reconciliation, and reporting, alongside monitoring, initiating, tracking, and reporting on cash movements across bank and e-money accounts. Secondary responsibilities span general financial accounting support. This role is a stepping-stone to a wider financial partnering role. Candidates with a broad financial knowledge base and a genuine appetite for challenge will be favoured.

Requirements

Hands-on PSP experience: You have worked directly with payment service providers in a finance or payments operations role: you know how PSP portals work, what to look for, and how to resolve issues.
Cash management experience: You have monitored multi-account cash positions, initiated and tracked payments, and produced cash reports in a fast-moving operational environment.
Reconciliation expertise: Proven ability to reconcile high volumes of PSP or payment transactions accurately and within SLA.
KPI-oriented mindset: Comfortable building and owning PSP performance reporting; you understand what the numbers mean and can communicate findings clearly.
Inbox management discipline: Experience managing high-volume operational email inboxes in a structured, timely manner.
A bachelor's degree in Accounting or Finance (or equivalent professional experience).
At least 2 years' experience in a finance or payments operations role with direct PSP experience.
Proficiency in written and spoken English.
Excellent command of MS Excel and/or Google Sheets.
Strong communication and interpersonal skills.
Positive can-do attitude with a high degree of attention to detail.

Nice To Haves

Hands-on experience with the Aurum Reconciliation Tool.
Experience with Xero accounting software.
Experience managing cash across multiple entities and currencies in a group structure.
ACCA or ACA part-qualification or full qualification.
Automation mindset: experience using scripts, macros, or workflow tools to reduce manual effort.

Responsibilities

Navigate the back-office portals of all major PSPs to retrieve statements, settlement reports, and transaction-level data without assistance.
Monitor PSP balances daily; flag PSPs requiring top-ups or withdrawals and action or escalate accordingly.
Reconcile PSP transactions end-to-end using tools like Aurum; resolve breaks and aged items in a timely manner.
Verify that PSP fees charged are in line with agreed commercial terms and escalate discrepancies.
Ensure PSPs settle within agreed timeframes; follow up on delays and document outcomes.
Perform monthly reconciliation of service charges applicable to deposits and withdrawals.
Own and manage PSP-related email inboxes; triage, respond to, and escalate queries promptly and professionally.
Download, organise, and archive PSP statements and supporting documentation on a timely basis.
Prepare and distribute regular KPI dashboards covering PSP performance: transaction volumes, fee ratios, settlement timing, balance positions, and exceptions.
Liaise with the Payments team prior to new PSP go-lives; clarify commercial terms, integration timelines, and fee structures ahead of first transactions.
Monitor cash and e-money balances across all PSP accounts and wallets on a daily basis.
Initiate outgoing payments (PSP top-ups/withdrawals) via online banking portals and payment platforms, in line with authorisation controls and approval workflows.
Track and log all incoming and outgoing cash flows (receipts, settlements and fee deductions) ensuring every movement is accounted for and reconciled to the books.
Prepare regular cash position reports summarising balances by account and currency, flagging exceptions, low-balance risks, or unexpected movements for management review.
Assist in the preparation of short-term cash flow forecasts; flag projected shortfalls or surplus positions in advance.
Maintain working knowledge of all active banking and payment portals; ensure statements and confirmations are downloaded, filed, and reconciled on schedule.
Flag significant FX exposures arising from multi-currency cash positions; support the preparation of currency conversion instructions as directed.
Upload PSP transactions and fees into Xero accurately and on schedule.
Post journals and perform general bookkeeping.
Assist with weekly payment runs.
Prepare bi-weekly PSP balance reports.
Assist with audit queries, financial statement preparation, and VAT returns.
Support daily and month-end accounting tasks as required.
Prepare ad-hoc reports as requested.
Undertake any other tasks as required by the Company from time to time.