Settlement Specialist

About the role

XChangeLab is a cross-border payments and FX company with operations in Hong Kong and Malaysia. We are looking for a Settlement Specialist in Johor Bahru to make sure every client payment and FX deal settles correctly and on time.

Key responsibilities

• Settle client payments and FX deals across multiple currencies and corridors
• Execute and track outgoing and incoming SWIFT and SEPA payments
• Match settled amounts against deal records, bank statements and partner reports
• Investigate failed, delayed or returned payments and work with banks and partners to fix them
• Monitor cut-off times and balances on our accounts so payments go out on time
• Keep clear records of settlements, exceptions and how they were resolved
• Flag errors or process gaps and help improve our settlement workflow

About you

• 2+ years in payment operations, settlements or back-office at a bank, PSP, remittance or FX company
• Hands-on experience processing payments, not only reviewing reports
• Good understanding of SWIFT payments and cross-border payment flows
• Careful with numbers and comfortable owning accuracy
• Good written and spoken English
• Confident with Excel / Google Sheets
• SEPA experience (nice to have)
• Experience with FX deal settlement (nice to have)
• Experience at a fintech or a small fast-growing company (nice to have)

About us

XChangeLab is a cross-border payments and FX company with operations in Hong Kong and Malaysia.