Senior Analyst - Settlements & FX Operations (Card Issuing and Acquiring)

Location: Singapore

Department: Finance

Are you passionate about shaping the future of Fintech/Banking/Web3 payments

Join our team as a Settlements Senior Analyst in Singapore and help us build the next generation of innovative fintech solutions!

About Us

We are a high-growth Web3 payment infrastructure company redefining how users and businesses interact with stablecoins and digital assets.

Backed by licensed financial institutions, and trusted by leading Web3 partners, we provide crypto-fiat payment rails, card-issuing infrastructure, and CaaS (Cards-as-a-Service) solutions for exchanges, wallets, protocols, and global fintech innovators.

Our team comes from top global exchanges, tier-one tech companies, and leading fintechs across APAC and Europe - bringing deep expertise, a builder mindset, and a shared passion for shaping the future of compliant, scalable financial infrastructure.

About the Role

As a Settlements Specialist, you will play a pivotal role in ensuring the timely, accurate, and efficient processing of financial transactions for our rapidly growing Banking/Web3 payment platform. Working onsite in Singapore, you'll collaborate closely with cross-functional teams-including Operations, Finance, Technology, and Compliance-to support daily settlement activities, investigate discrepancies, and maintain the integrity of our transaction flows. Your expertise will help safeguard operational stability while delivering a seamless experience to our partners and customers.

What You Will Do

Support end-to-end settlement operations for both crypto-to-fiat card programs and traditional credit card products, including reconciliation, merchant payouts.

Execute and monitor daily FX operations, including multi-currency settlements, and cross-border fund movements.

Assist in coordinating FX execution and rate application across different jurisdictions, ensuring accurate posting, rate integrity, and compliance with internal and external requirements.

Prepare and reconcile settlement and FX reports, investigating discrepancies and ensuring timely resolution of exceptions.

Liaise with card schemes, acquirers, payment service providers (PSP), and banking partners to support daily settlement cycles and resolve operational issues.

Collaborate with Finance, Compliance, and Technology teams to enhance workflow and system processes, including automation of reconciliation and reporting tasks to improve efficiency and reduce operational risk.

Support the preparation of operational reports, liquidity monitoring, and variance analyses related to settlement and FX performance.

Maintain accurate operational documentation and provide support for audits or regulatory reviews when required.

What You Bring

Bachelor's degree in Finance, Accounting, Business Administration, or a related field.

2 - 4 years of experience in settlement, reconciliation, or FX operations, preferably in banking, payments, or fintech.

Good understanding of card operations, clearing, and settlement processes, as well as FX conversion and multi-currency handling.

Familiarity with card scheme rules (Visa, Mastercard, Amex) and payment systems (SWIFT, ACH, RTGS) is a plus.

Strong analytical skills with proficiency in Excel.

Detail-oriented and organized, with the ability to manage multiple priorities in a fast-paced environment.

Prior exposure to crypto or Web3-related settlement operations is advantageous.

Excellent communication and stakeholder management skills, with a proactive approach to issue resolution and process improvement.

Why Join Us & Our Culture

Be part of a cutting-edge company revolutionizing payments in the Web3 space.

Work with a passionate, dynamic, and innovative team.

Competitive salary package with growth opportunities.

Onsite role in the heart of fintech hub.

We value people who are:

Builders

who thrive in 01 and 1100 environments

Owners

who take initiative and move fast

Learners

who grow through feedback and curiosity

Collaborators

who elevate the team

Visionaries

who care about shaping the future of stablecoin

DeCard - Product Highlight

Spend Stablecoins Seamlessly, Anywhere

DeCard is a next-generation crypto-fiat card powered by DCS Card Centre, a MAS-licensed financial institution with 50+ years of payment expertise. Top up stablecoins and spend instantly at millions of merchants worldwide - bridging Web3 with real-world payments.

Excited about shaping the future of Web3 payments Join us and redefine digital finance.

We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

How to Apply

Excited about shaping the future of Web3 payments Join us and redefine digital finance. Apply here