蚂蚁金服Ant International-Card Scheme Fee Rules & Billing Senior Analyst-Malaysia
任职要求
• Bachelor’s degree in Accounting/Finance/Statistics/Business/Actuarial or equivalent. • A minimum of 5 years in the payment processing industry with a strong understanding of card scheme fees will be an advantage • Excellent analytical and problem-solving skills, with motivation to find end-to-end solutions • Strong analytical skills with the ability to perform complex data analysis and interpret results. Proficient in the use of Excel and experience with SQL server and BI …
工作职责
• Gather and analyze bulletins and release documentation published by the schemes and local alternative payment methods. • Deeply understand card scheme fee rules, and perform technical analysis to determine present and future impact of scheme fee and interchange fee updates. • Collaborate with various lines of business across the company to implement and communicate scheme fee updates impacting our business and our merchants. • Translate upcoming interchange and scheme fees updates into business requirements, and work closely with our development teams with implement these in pricing engine accurately and within deadline. • Perform fee reconciliation with Card scheme billing and invoice to ensure accuracy and evaluation of any discrepancies. • Monitors and analyzes cost performance of interchange and scheme fee, providing support on data analysis and report to management and relevant team. • Assist with performing impact analyses for merchant inquiries regarding their scheme fee expense, and perform analyses to identify scheme fee optimization opportunities for company and our merchants. • Work closely with the finance pricing function to provide technical expertise and guidance on developing new pricing strategies and mitigating pricing risks. • Participate in the development, optimization & documentation of business processes. • Other related duties assigned as needed.
• Perform fee reconciliation with card scheme billing and invoice to ensure accuracy and evaluation of any discrepancies. • Monitors and analyzes cost performance of interchange and scheme fee, providing support on data analysis. • Participate in the development, optimization & documentation of operational processes. • Other related duties assigned as needed.
1. Responsible for designing and building the general capacity of cross-border payments, including fund settlement/ fee reconciliation, promoting the innovation and transformation of system capabilities and continuous iterative optimization, outputting general solutions under proactively insight and customer demands refining 2. Responsible for upgrading and optimizing customer service related product and capabilities of cross-border payments 3. Maintaining a good cooperative relationship with BD,product and tech team, effectively promoting the implementation of product capabilities and obtaining results.
Responsible for Reconciliation of Funding Cost • Ensure the accuracy, timeliness, and system consistency of channel funding cost • Implement robust reconciliation mechanisms to align internal systems with external partner records. End-to-End Management of Channel Settlements • Oversee the full lifecycle of fee settlements between channel partners and the company, including invoice verification, payment requests, dispute resolution, and exception handling. • Proactively identify and escalate potential risks to mitigate financial discrepancies. Design and Execution of Standardized Reconciliation Reports • Develop and maintain standardized reconciliation frameworks, leveraging multidimensional data analysis to identify critical variances and latent risks. • Deliver insights to drive process improvements and risk mitigation strategies. Digital Transformation of Reconciliation and Settlement Processes • Drive innovation by exploring and implementing RPA (Robotic Process Automation) and AI-based reconciliation tools to enhance efficiency and reduce manual intervention. • Collaborate with technology teams to optimize digital workflows and system integrations. Support Business Cost Analysis with Data-Driven Insights • Generate visualized analytical reports to meet the funding cost analysis needs of front-end business units. • Propose actionable process optimization strategies and cost-reduction initiatives based on data trends.
• Provide market insight/competitor analysis, external and internal data analysis to form channel partnership strategy • Co-operate with banks, financial, payment and other institutions and partners to enhance business services on providing payment, collection and other service to e-commerce and other merchants / platforms. • Provide necessary support to develop and execute channel partnerships strategy, including identifying and prioritizing potential partners, negotiating and closing partnership deals, managing the strategic partnership and driving the best products and services as well as revenue growth through partner networks. • Provide necessary support to maintain and relationship with the above-mentioned banks and financial institutes to i) provide the support for the sustainable business growth. ii) provide support when issues arise and come up with relevant solutions to resolve iii) monitor and track the service quality of the financial institutes, assess and clearly convey issues and tasks to relevant stakeholders to drive the overall better and better service quality and experiences. • Be familiar with the legal regulations, compliance and AML policies in all regions and markets, and get insights of the different markets and client groups. • Coordinate with internal and external stakeholders to plan and execute the partnership strategic development plan and get efficient and successful implementations. •Proactively act or follow up on outstanding work items to expedite implementations for new channels or existing channel enhancements.