Reconciliation & Settlement Analyst BIN Sponsorship

We are seeking a detail‑oriented and analytical Reconciliation & Settlement Analyst to support our BIN Sponsorship program. This role is responsible for ensuring the accuracy, completeness and timeliness of financial reconciliation, settlement processing, network reporting and exception handling across card‑issuing program managers and sponsor bank requirements. The ideal candidate understands card network flows, settlement timing, ledger management and dispute/chargeback impacts. What you'll do Reconciliation (Daily / Weekly / Monthly) Reconcile cardholder transactions ledger balances, program manager accounts and sponsor bank settlement reports. Match authorization files, clearing files, settlement files and processor reports (e.g. issuing processor to issuing processor). Validate interchange fees, chargebacks, adjustments and network assessments. Identify, research and resolve breaks or exceptions in a timely manner. Ensure alignment between internal systems, processor systems and BIN Sponsors settlement ledger. Settlement & Funding Operations Prepare and process daily settlement entries, prefunding ACH/Wire movements and reserve account adjustments. Monitor funding requirements for programs and escape potential shortfalls. Coordinate with Program Managers and Sponsor Bank teams for settlement cutoffs. Validate funding instructions and settlement windows across Visa, Mastercard or Discover networks. Program & BIN Sponsorship Support Maintain accurate records for each BIN/program, including settlement cycles, interchange targets and contracted fee schedules. Support onboarding of new program managers by setting up new reconciliation templates and settlement flows. Ensure compliance with Network operating rules for money‑movement reporting and settlement accuracy. Assist with audits, exams and regulatory reporting (e.g. monthly BIN reports). Exception Handling & Reporting Manage failed settlements, disputes‑related adjustments, settlement deltas and negative balance conditions. Produce daily / weekly dashboards on settlement performance, breaks, liquidity exposures and trends. Communicate root cause and remediation steps to stakeholders (Risk, Product, Program Management). Skills & Qualifications 35 years in reconciliation, settlement or card issuing operations at a fintech processor or sponsor bank. Strong understanding of card issuing flows: auth, clearing, settlement, interchange, and network fees. Experience with at least one card processor (Marqeta, Galileo, i2c, Fiserv, Stripe Issuing, etc.). Advanced Excel / Google Sheets skills (VLOOKUP/XLOOKUP, pivot tables, data cleansing). Familiarity with SQL (a plus). Advanced level of English (mandatory). Strong analytical and problem‑solving skills. Ability to manage deadlines and high‑volume data with accuracy. Excellent communication skills for cross‑functional issue resolution. Why you'll love working here Competitive salary packages and bonuses. Supplemental medical, dental, vision and life insurance benefits. Generous vacation and holidays. Paid parental leave for eligible employees. Great health & well‑being benefits including telehealth, parental support, subsidized gym program. Fully stocked kitchen (snacks and drinks). Galileo Financial Technologies provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding and conditions related to breastfeeding), gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job without regard to protected characteristics. In accordance with the San Francisco Fair Chance Ordinance we will consider qualified applicants with arrest and conviction records for employment. Galileo is committed to an inclusive culture. As part of this commitment, Galileo offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process please let your recruiter know or email. #J-18808-Ljbffr