FX Dealer & Treasury Reconciliation Officer

About Tuma

Tuma operates regulated payment and remittance services connecting customers, merchants and financial institutions across multiple markets.

Our treasury function is responsible for managing liquidity, foreign exchange, settlements and reconciliation to ensure every transaction is accurately processed and accounted for.

We're looking for an analytical, detail-oriented professional to join our Treasury team.

Role Overview

You will manage foreign exchange operations, liquidity monitoring, transaction reconciliation and settlement activities across multiple currencies, banking partners and payment providers.

You will work closely with Finance, Operations, Product, Compliance and Engineering to ensure timely settlement and accurate financial records.

Key Responsibilities

Foreign Exchange Operations

• Execute customer FX conversions.

• Monitor exchange rate movements.

• Maintain FX pricing and margins.

• Support treasury liquidity management.

• Monitor currency exposure.

• Assist with FX reporting and forecasting.

Treasury Management

• Monitor prefunded accounts.

• Manage settlement balances.

• Ensure adequate liquidity across corridors.

• Coordinate funding requirements.

• Monitor nostro and settlement accounts.

• Prepare treasury reports.

Transaction Reconciliation

Reconcile daily transactions across:

• Card payments

• Mobile money

• Bank transfers

• Merchant collections

• Wallet balances

• Settlement accounts

• Remittance transactions

• FX trades

Investigate and resolve reconciliation exceptions promptly.

Settlement Operations

• Coordinate daily settlement cycles.

• Validate settlement files.

• Investigate failed settlements.

• Work with banking partners on settlement issues.

• Monitor settlement timelines and service levels.

Reporting & Analytics

• Prepare daily treasury reports.

• Produce reconciliation reports.

• Analyse settlement variances.

• Support month-end financial close.

• Assist internal and external audits.

• Generate operational performance metrics.

Cross-functional Collaboration

Work closely with:

• Finance

• Compliance

• Operations

• Product

• Engineering

• Banking partners

• Payment providers

to improve settlement processes and treasury operations.

Required Skills

• Degree in Finance, Accounting, Economics, Banking or related field.

• 3+ years in treasury, FX, reconciliation or payments operations.

• Strong understanding of payment flows.

• Excellent numerical and analytical skills.

Technical skills:

• Advanced Excel

• SQL (preferred)

• Data analysis

• Financial reporting

Knowledge of:

• FX markets

• Treasury operations

• Payment settlement

• Bank reconciliation

• International payments

• Cross-border remittance

Nice to Have

Experience working with:

• Payment gateways

• PSPs

• Banks

• Card acquiring

• SWIFT

• Mobile money

• Treasury Management Systems

• Power BI or Tableau

• Python for reconciliation automation

Success Measures

Within your first six months you will:

• Deliver accurate daily reconciliations.

• Improve settlement turnaround times.

• Reduce unreconciled transactions.

• Improve treasury visibility.

• Enhance liquidity management.

• Build reconciliation dashboards and reports.

• Identify opportunities to automate treasury and reconciliation processes.

At Tuma, Treasury is more than balancing accounts, it is central to delivering fast, secure and reliable payments across every customer journey.