Merchant Treasury Manager

Role Overview

• Manage daily cash positioning, liquidity planning, and forecasting to ensure sufficient funding for merchant settlements and operational needs.
• Oversee bank accounts, payment flows, and treasury controls related to merchant and partner funds.
• Develop short
• and long-term cash forecasts aligned with transaction volumes and growth projections.
• Establish and maintain treasury controls to safeguard merchant and company funds.
• Optimize working capital and recommend funding strategies as network relationships expand.
• Partner with Finance leadership on reporting, analysis, and treasury strategy.
• Lead the end-to-end settlement process with all card networks established for the Fintech Solutions team.
• Ensure accurate and timely reconciliation between internal systems and network reports.
• Maintain clear audit trails and ensure compliance with accounting standards and regulatory requirements.
• Collaborate cross-functionally with Operations, Product, and external network partners to streamline settlement processes.
• Design, implement, and manage reserve methodologies in line with risk exposure and contractual terms.
• Monitor reserve balances to ensure adequate coverage for chargebacks, refunds, and potential losses.
• Conduct periodic reviews and adjustments of reserve requirements based on partner performance and risk profile.
• Communicate reserve positions and changes effectively to internal stakeholders and partners.
• Ensure accurate accounting and reporting of all reserve-related transactions.
• Monitor financial and transactional risk indicators across partner accounts.
• Identify emerging risk trends and escalate concerns to Risk and senior management as needed.
• Develop dashboards and reporting frameworks to track exposure, concentration risk, and loss trends.
• Support the development of mitigation strategies, including reserve adjustments and funding holds.
• Work closely with Risk, Compliance, and Legal teams to ensure adherence to regulatory and contractual obligations.
• Perform other duties as assigned.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or related field (CPA, CFA, or Treasury certification preferred).
• 5-8 years of experience in treasury, settlement accounting, payments, or financial operations.
• Direct experience handling settlements with card networks and payment processors strongly preferred.
• Strong understanding of payment flows, interchange, network fees, chargebacks, and reconciliation processes.
• Experience building settlement processes in a scaling or newly established payments environment is highly desirable.
• Strong analytical mindset with the ability to manage large volumes of transactional data.
• Excellent attention to detail and ability to operate in a controlled, compliance-driven environment.

Benefits

• Medical, dental, vision
• 401(k) with employer match
• Life and long-term disability coverage
• HSA and FSA plans
• Holidays and paid time off requests
• Robust wellness program (we’re talking catered meals three times a weeks, lunch and learns, and onsite gym.)