M-Pesa Spec. Transactional E-Money Settlement

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Kinshasa, CD Until 8/22/2026 4+ years exp First posted June 8, 2026 Last posted June 8, 2026
Job description

Role Purpose

To ensure end-to-end treasury settlement management and control of electronic money destruction operations, ensuring that all e-money reductions recorded in the G2 system are properly funded and transferred to partner accounts within agreed Service Level Agreements (SLAs), while maintaining full trust fund coverage, optimal liquidity management, and compliance with regulatory requirements.

Key Accountabilities

1. Execution of E-Money Settlements (Post-Destruction)

  • Ensure that all e-money destruction operations recorded in G2 are translated into actual financial settlements to partner accounts (banks, MTOs, or other financial partners)
  • Initiate, validate, and track settlement payments in accordance with approved instructions
  • Ensure completeness and accuracy of settlement files and payment instructions

2. SLA Management and Timely Settlement Execution

  • Monitor and ensure compliance with SLAs defined for e-money destruction settlements
  • Track pending transactions and ensure execution within required timelines
  • Escalate any delays, bottlenecks, or liquidity constraints affecting SLA compliance

3. Liquidity Planning and Fund Availability

  • Ensure sufficient liquidity is available in trust accounts to meet settlement obligations
  • Coordinate with treasury on funding requirements across multiple banks and currencies
  • Optimize the use of available balances to ensure efficient and timely settlements

4. Reconciliation and Settlement Integrity

  • Perform daily reconciliations between:
    • E-money destruction entries (G2)
    • Settlement instructions
    • Actual bank transfers to partner accounts
  • Ensure that every e-money destruction is fully matched by a corresponding cash outflow
  • Investigate and resolve any discrepancies or settlement delays

5. Partner Account Management and Coordination

  • Liaise with partner banks, MTOs, and internal stakeholders to confirm receipt of funds
  • Monitor balances and settlement positions of partner accounts
  • Manage and resolve disputes, rejections, or settlement delays with partners

6. Risk, Controls, and Compliance

  • Ensure full traceability (audit trail) of all settlement operations related to e-money destruction

7. Reporting and Performance Monitoring

  • Produce daily and monthly reports on settlement performance, SLA compliance, and exceptions
  • Track key performance indicators (KPIs) such as settlement time, pending transactions, and failed transactions
  • Provide analysis on trends, risks, and improvement opportunities

Key Skills, Knowledge, and Experience

Technical Skills:

  • Strong expertise in treasury operations and payment execution
  • High level of accuracy and attention to control
  • Strong analytical and reconciliation skills
  • Ability to manage time-sensitive financial transactions
  • Excellent stakeholder coordination skill

Knowledge:

  • Strong understanding of the electronic money lifecycle (especially destruction and settlement)
  • Knowledge of trust structures and fund safeguarding principles
  • Familiarity with banking systems, payment processes, and settlement mechanisms
  • Understanding of Central Bank (BCC) regulatory requirements
  • Proficiency in the G2 system and treasury processes

Experience:

  • 4 to 6 years of experience in Treasury, Payments, or Cash Management
  • Experience in mobile money, banking, or fintech is highly desirable
  • Proven experience in handling high-volume settlements
  • Experience in reconciliation and coordination with banks/partners
  • Exposure to audit and compliance environments

Required Qualifications

  • Bachelor’s degree in Finance, Accounting, Economics, or a related field
  • Advanced proficiency in Excel and financial tracking tools
  • Professional certification (ACT, ACCA, CIMA, CFA) is an advantage
About this role

Summary

Manage end-to-end e-money settlement processes, ensure compliance, accuracy, and timely execution.

Job title

M-Pesa Spec. Transactional E-Money Settlement

Experience level

4 to 6 years

Minimum experience

4+ years exp

Industry

finance

Location requirements

Kinshasa, CD; on-site preferred

Salary

Not specified

Management role

No

Skills & keywords

Required skills

treasury operationspayment executionreconciliationstakeholder coordinationG2 system

Preferred skills

mobile moneybankingfintechauditcompliance

Specializations

treasurypaymentssettlementcash management fintech
Locations

Structured locations inferred from the posting.

Kinshasa, Democratic Republic of the Congo

On-site City