财务专员/Financial Executive (Accounts & Payment)

岗位概述

Job Summary

负责公司日常财务核算、银行对账、付款审核、费用报销、账务处理及财务资料管理等工作，并重点监督公司各项付款流程的合法性、合规性及完整性。该岗位需要具备东南亚不同国家或地区的付款操作经验，熟悉当地银行转账、跨境付款、供应商结算、税务资料及付款审批流程，确保公司资金支付安全、准确、及时，并符合公司内部制度及各市场适用的法律法规。

Responsible for the Company’s daily financial accounting, bank reconciliation, payment review, expense reimbursement, bookkeeping, and financial documentation management, with particular focus on monitoring the legality, compliance, and completeness of all payment processes. The role requires experience in handling payments across different Southeast Asian countries or markets, with familiarity in local bank transfers, cross-border payments, supplier settlements, tax documentation, and payment approval procedures, ensuring that all payments are secure, accurate, timely, and compliant with the Company’s internal policies and applicable laws and regulations in each market.

主要工作职责

Key Responsibilities

一、日常财务及账务管理

I. Daily Finance and Accounting Management

负责公司日常账务处理，包括收入、支出、应收账款、应付账款及费用类账目的登记与核对；

Handle daily accounting transactions, including the recording and reconciliation of revenue, expenses, accounts receivable, accounts payable, and other expense accounts.

负责银行账户、第三方支付平台及公司内部账目的日常对账，及时发现并处理账目差异；

Perform daily reconciliation of bank accounts, third-party payment platforms, and internal accounting records, and promptly identify and resolve discrepancies.

核对银行流水、付款记录、发票、收据、合同及相关财务凭证，确保账实一致；

Verify bank statements, payment records, invoices, receipts, contracts, and other supporting financial documents to ensure accuracy and consistency between accounting records and actual transactions.

协助完成月度结账、年度结账及相关财务数据整理；

Assist with monthly and annual closing procedures and the preparation and organization of related financial data.

负责财务凭证、付款文件、合同、发票及银行回单的整理、归档和保管；

Organize, file, and maintain accounting vouchers, payment documents, contracts, invoices, bank advice slips, and other financial records.

协助编制日常财务报表、付款明细、资金余额表及应收应付账龄表。

Assist in preparing routine financial reports, payment schedules, cash balance reports, and accounts receivable and accounts payable aging reports.

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二、付款申请及资金支付

II. Payment Applications and Fund Disbursement

负责公司日常付款操作，包括供应商付款、员工报销、工资及相关费用支付；

Handle the Company’s daily payment activities, including supplier payments, employee reimbursements, payroll, and other related expenses.

根据已审批的付款申请，核对收款人名称、银行账户、付款金额、币种、合同、发票及付款用途；

Based on approved payment requests, verify the beneficiary’s name, bank account details, payment amount, currency, contract, invoice, and purpose of payment.

负责马来西亚及其他东南亚市场的本地付款和跨境付款操作；

Handle domestic and cross-border payments for Malaysia and other Southeast Asian markets.

熟悉并使用企业网上银行、银行转账及相关付款平台完成付款；

Use corporate online banking systems, bank transfers, and relevant payment platforms to process payments.

跟进付款状态，及时处理付款失败、退汇、账户资料错误及银行审核等问题；

Monitor payment status and promptly resolve failed payments, returned funds, incorrect banking details, bank verification issues, and other payment-related matters.

保存并整理付款凭证、银行回单及相关证明文件，并及时反馈付款结果；

Maintain and organize payment records, bank advice slips, and supporting documents, and provide timely updates on payment results.

定期核对应付账款及已付款记录，避免重复付款、错误付款或逾期付款。

Regularly reconcile accounts payable and completed payment records to avoid duplicate payments, incorrect payments, or overdue payments.

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三、付款流程合规监督

III. Payment Process Compliance and Control

监督公司付款流程是否符合内部审批制度、授权权限及财务管理要求；

Monitor the Company’s payment processes to ensure compliance with internal approval procedures, authorization limits, and financial management requirements.

在付款前核实相关合同、报价单、采购申请、发票、收款账户及审批记录是否完整；

Before processing payments, verify that relevant contracts, quotations, purchase requests, invoices, beneficiary bank details, and approval records are complete.

检查付款事项是否具有真实、合理及合法的业务背景；

Ensure that each payment has a genuine, reasonable, and lawful business purpose.

对资料不完整、审批程序不合规、收款账户异常或付款用途不明确的申请，有权暂停付款并要求补充说明；

For payment requests with incomplete documentation, non-compliant approval procedures, unusual beneficiary accounts, or unclear payment purposes, suspend payment processing and request further clarification or supporting documents.

监督付款申请人与审批人、付款操作人与复核人之间的职责分离，降低资金风险；

Ensure proper segregation of duties between payment requestors and approvers, as well as between payment processors and reviewers, to reduce financial risks.

防止重复付款、超额付款、无合同付款、付款至个人账户及其他不合规情况；

Prevent duplicate payments, overpayments, payments without supporting contracts, payments to personal accounts, and other non-compliant transactions.

对大额付款、跨境付款及异常付款进行重点核查，并及时向财务负责人或管理层汇报；

Conduct enhanced reviews of high-value payments, cross-border payments, and unusual transactions, and promptly report any concerns to the Finance Manager or Management.

协助完善公司的付款审批流程、授权机制、财务SOP及内部控制制度。

Assist in improving the Company’s payment approval processes, authorization mechanisms, financial SOPs, and internal control systems.

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四、东南亚市场付款及跨境结算

IV. Southeast Asia Payments and Cross-Border Settlement

负责或协助处理马来西亚、新加坡、印度尼西亚、泰国、越南、菲律宾等东南亚市场的付款事项；

Handle or assist with payment matters in Malaysia, Singapore, Indonesia, Thailand, Vietnam, the Philippines, and other Southeast Asian markets.

熟悉不同东南亚国家的银行转账流程、付款周期、收款资料要求及常见付款方式；

Be familiar with bank transfer procedures, payment timelines, beneficiary information requirements, and common payment methods across different Southeast Asian countries.

了解跨境付款涉及的币种兑换、银行手续费、中间行费用、到账时间及付款证明要求；

Understand foreign exchange conversion, bank charges, intermediary bank fees, settlement timelines, and proof-of-payment requirements for cross-border transactions.

核对海外供应商的公司名称、银行账户、SWIFT Code、银行地址及其他收款信息；

Verify overseas suppliers’ company names, bank account details, SWIFT Codes, bank addresses, and other beneficiary information.

配合银行、支付机构、会计师、税务顾问及其他外部机构完成付款审核和资料提交；

Coordinate with banks, payment service providers, accountants, tax consultants, and other external parties to complete payment reviews and documentation submissions.

关注不同市场在发票、预扣税、服务税、增值税及跨境服务付款方面的基本要求；

Monitor basic requirements relating to invoices, withholding tax, service tax, VAT/GST, and cross-border service payments in different markets.

协助处理不同币种的资金记录、汇率换算及汇兑差异；

Assist with multi-currency transaction records, exchange rate conversions, and foreign exchange differences.

建立并维护东南亚各市场供应商付款资料及付款记录。

Establish and maintain supplier payment information and payment records for different Southeast Asian markets.

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五、供应商及费用管理

V. Supplier and Expense Management

审核供应商提交的发票、报价单、合同、付款申请及银行账户资料；

Review invoices, quotations, contracts, payment requests, and bank account details submitted by suppliers.

建立并维护供应商信息档案，定期核实收款账户是否发生变化；

Establish and maintain supplier master records, and periodically verify whether beneficiary bank account information has changed.

跟进供应商付款进度，并处理付款查询及对账问题；

Follow up on supplier payment status and handle payment inquiries and reconciliation issues.

审核员工差旅费、采购费、行政费及其他费用报销申请；

Review employee reimbursement claims, including travel expenses, procurement expenses, administrative expenses, and other business-related expenses.

确保费用报销符合公司标准，并附有完整、有效的证明文件；

Ensure that all expense claims comply with Company policies and are supported by complete and valid documentation.

定期整理公司固定支出、订阅服务、办公室费用及其他周期性付款事项。

Regularly review and organize the Company’s fixed expenses, subscription services, office expenses, and other recurring payment obligations.

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六、财务合规及风险控制

VI. Financial Compliance and Risk Control

确保各项财务操作符合公司制度及当地适用的法律法规；

Ensure that all financial activities comply with Company policies and applicable local laws and regulations.

配合公司审计、税务申报及财务检查，提供所需付款及账务资料；

Support Company audits, tax filings, and financial reviews by providing the required payment and accounting documentation.

关注异常交易、可疑账户、重复发票及不合理付款申请；

Monitor unusual transactions, suspicious accounts, duplicate invoices, and unreasonable or questionable payment requests.

妥善保管公司银行账户、付款资料及财务信息，严格履行保密义务；

Safeguard the Company’s bank account information, payment records, and financial data, and strictly comply with confidentiality requirements.

不得未经授权修改收款账户、付款金额或付款用途；

Do not modify beneficiary bank details, payment amounts, or payment purposes without proper authorization.

发现潜在资金风险、欺诈风险或付款违规事项时，应及时向上级汇报；

Promptly report any potential financial risks, fraud risks, or payment irregularities to the relevant supervisor or Management.

完成财务负责人及公司管理层安排的其他财务相关工作。

Perform other finance-related duties assigned by the Finance Manager or Company Management.

任职要求

Job Requirements

财务、会计、金融、工商管理或相关专业大专及以上学历；

Diploma or above in Finance, Accounting, Banking, Business Administration, or a related field.

具备2年以上财务、会计、应付账款或资金付款相关工作经验；

Minimum 2 years of experience in Finance, Accounting, Accounts Payable, Treasury, Payment Operations, or a related function.

具备银行对账、供应商付款、员工报销及日常账务处理经验；

Hands-on experience in bank reconciliation, supplier payments, employee reimbursements, and daily accounting operations.

具有东南亚不同国家或地区的本地付款或跨境付款经验；

Experience in handling domestic or cross-border payments across different Southeast Asian countries or markets.

熟悉马来西亚及其他东南亚市场常见的银行转账和付款流程；

Familiar with common bank transfer and payment procedures in Malaysia and other Southeast Asian markets.

熟悉企业网上银行操作，能够独立完成付款及付款状态跟进；

Proficient in corporate online banking systems and capable of independently processing payments and following up on payment status.

具备较强的付款风险意识，能够识别付款资料缺失、账户异常及重复付款等问题；

Strong awareness of payment-related risks and the ability to identify incomplete payment documentation, unusual bank account details, and duplicate payments.

了解合同、发票、付款申请及审批文件之间的对应关系；

Good understanding of the relationship between contracts, invoices, payment requests, and approval documentation.

熟练使用Microsoft Excel及常用办公软件，能够制作对账表、付款明细及财务报表；

Proficient in Microsoft Excel and commonly used office software, with the ability to prepare reconciliation statements, payment schedules, and financial reports.

具备良好的中文和英文沟通能力，能够处理英文合同、发票、银行资料及供应商邮件；

Good command of both Chinese and English, with the ability to handle English contracts, invoices, banking documents, and supplier correspondence.

工作细致、谨慎，具备较强的责任心、原则性及保密意识；

Detail-oriented and cautious, with a strong sense of responsibility, integrity, and confidentiality.

能够独立开展工作，并与业务、行政、采购、银行及外部服务机构保持良好沟通。

Able to work independently and communicate effectively with business teams, administrative teams, procurement teams, banks, and external service providers.

优先考虑条件

Preferred Qualifications

具有互联网、App、科技公司或跨境业务公司财务经验；

Finance experience in Internet, App, technology, or cross-border business companies.

具有马来西亚及多个东南亚国家付款经验；

Experience in processing payments in Malaysia and multiple Southeast Asian countries.

熟悉多币种账户、跨境结算及汇率换算；

Familiarity with multi-currency accounts, cross-border settlements, and foreign exchange calculations.

具有应付账款、资金管理或付款审核岗位经验；

Experience in Accounts Payable, Treasury Management, or Payment Review roles.

熟悉Xero、QuickBooks、SQL Accounting、AutoCount或其他财务系统；

Experience using Xero, QuickBooks, SQL Accounting, AutoCount, or other accounting systems.

具备付款流程、财务SOP或内部控制制度搭建经验。

Experience in developing or improving payment processes, financial SOPs, or internal control systems.

核心能力要求

Core Competencies

银行及账务对账能力；

Bank and Account Reconciliation

付款审核与执行能力；

Payment Review and Execution

东南亚跨境付款经验；

Southeast Asia Cross-Border Payment Experience

财务合规及风险意识；

Financial Compliance and Risk Awareness

应收应付账款管理能力；

Accounts Receivable and Accounts Payable Management

供应商沟通与管理能力；

Supplier Communication and Vendor Management

数据整理及Excel应用能力；

Data Management and Microsoft Excel Skills

跨部门沟通协调能力；

Cross-functional Communication and Coordination

高度责任感及保密意识。

Strong Sense of Responsibility, Integrity, and Confidentiality