Reconciliation Officer

Bank-e-Millie Afghan (BMA) is the foremost first financial institution of Afghanistan established in 1933. Similarly, it was the first financial institution established in a public-private partnership set up with a 72% share held by the private sector. As the first bank in the country, BMA introduced formal banking services to the people and government of Afghanistan. Since then, the bank’s competitive strength and ongoing market leadership philosophy lays in its strong capital base and proven trustworthiness. In 1976, it was fully nationalized by the government of Afghanistan. Since its establishment, BMA has been a leading bank in providing modern and secure banking services. Securing depositors' funds is the top priority of the bank. At the same time, the bank is contributing considerably to the development of manufacturing, agriculture, services, and international trade in the country. BMA is operating based on strong corporate governance principles, financial risk management, and strict compliance to keep its credibility and trust. At present, BMA has 17 City Branches including the HQ and 4 Counters in Kabul, 22 Provincial Branches and 3 Counters accompanied by a broader outlook and prospect for growth and expansion in near future, and equity investments in the USA and England.

The Payment Gateway Reconciliation Officer is responsible for reconciling payment transactions processed through the bank’s payment gateway, identifying discrepancies, investigating failed or pending transactions, and ensuring the accuracy and completeness of financial records across the Core Banking System (CBS), APS, ATM, mobile applications, e-payment channels, and other integrated payment services.

2. Key Responsibilities

• Perform daily reconciliation of payment gateway transactions against CBS, APS, settlement reports, and other relevant systems.
• Identify, investigate, and resolve discrepancies, duplicate transactions, failed payments, reversals, refunds, and unmatched transactions.
• Monitor transaction settlement status and ensure timely follow-up on outstanding or pending settlements.
• Coordinate with the Operations, Finance, Digital Banking, IT, and vendor teams to resolve reconciliation issues.
• Verify transaction fees, commissions, settlement amounts, and other applicable charges.
• Prepare daily, weekly, and monthly reconciliation reports, highlighting discrepancies and unresolved items.
• Maintain accurate records and supporting documentation for all reconciliation activities.
• Escalate financial discrepancies, unusual transaction patterns, and unresolved issues to the relevant authorities.
• Follow up on chargebacks, refunds, disputed transactions, and customer complaints related to payment processing.
• Ensure compliance with internal policies, financial controls, audit requirements, and applicable DAB regulations.
• Support internal and external audits by providing reconciliation reports and transaction evidence.
• Recommend improvements to reconciliation processes, controls, and reporting procedures.
• Perform other relevant duties assigned by the line manager.

• Bachelor’s degree in Finance, Accounting, Business Administration, Banking, or a related field.
• Experience 3 To 5 years in banking operations, financial reconciliation, payment systems, or accounting is preferred.
• Understanding of payment gateways, electronic transactions, settlement processes, and Core Banking Systems (CBS).
• Proficiency in Microsoft Excel and financial reporting; knowledge of SQL or reconciliation tools is an advantage.
• Strong analytical, numerical, problem-solving, and communication skills.
• High attention to detail, integrity, and confidentiality.

Qualified and interested applicants are encouraged to apply online through the BMA Job Portal at https://jobs.bma.com.af/jobs before the closing date.

Only shortlisted candidates will be contacted for further process.