Location
London

Hours
Full Time

Salary
Competitive salary, commensurate with experience

About the Role
At Kroo Bank Ltd, we have a bold vision to be the first bank that is both trusted and loved by its customers. We help people take control of their financial future while making a positive impact on the planet. Integrity, transparency, and honesty are at the core of everything we do. We think big, dream big, and relentlessly pursue our goals together as a team.

As a Cash Reconciliation Specialist, you will play a vital role in ensuring the accuracy and integrity of our financial operations. Working closely with Finance and Operations teams, you will manage reconciliation processes to ensure timely and accurate balancing of financial transactions. Your responsibilities will include performing daily reconciliations across internal cash ledgers and external bank statements, investigating discrepancies, and collaborating with internal and external stakeholders to drive improvements and maintain operational accuracy.

Key duties include reconciling payment scheme and settlement accounts, resolving cash breaks such as unmatched items and failed payments, supporting month-end close activities, maintaining and improving reconciliation processes and controls, and contributing to automation initiatives to reduce manual effort and risk. You will also liaise with external banks, payment partners, and scheme providers to resolve discrepancies and ensure all reconciliations are audit ready at all times.

Join us on our journey as Kroo continues to grow and make a difference in the financial services industry.

Experience
- Proven ability to perform accurate, timely, and well-controlled cash reconciliations across multiple accounts and cash books with strong supporting evidence and sign-off discipline.
- Experience investigating cash breaks, identifying root causes, and driving resolution with Finance, Operations, and third parties, including escalation of high risk or high value items.
- Skilled in managing high volume transaction data with excellent attention to detail under time pressure and competing priorities.
- Advanced Excel skills including pivot tables, lookups, structured templates, and exception reporting.
- Experience working with bank statements, ledger postings, settlement flows, and payment-related control accounts.
- Ability to collaborate cross-functionally with Payments Operations, Financial Control, Treasury, and external partners.
- Experience improving processes and supporting automation, including data mapping and exception-based reconciliations.

About You
- Detail-oriented and methodical with a strong sense of ownership and accountability.
- Able to prioritise work by risk, value, and ageing, escalating appropriately to protect the Bank’s balance sheet.
- Strong communicator who works well in a team and across departments.
- Proactive in identifying process improvements and driving continuous improvement initiatives.

Qualifications
- Degree level education in Accounting, Finance, Economics, or a related discipline, or equivalent practical experience in reconciliation or financial control.
- Demonstrable experience in cash reconciliations ideally within a bank, fintech, payments firm, or regulated financial services environment.
- Strong technical understanding of reconciliation and cash control processes, including working with multiple data sources and settlement timelines.
- Experience using reconciliation tooling or financial systems is beneficial, especially where automation or exception-based reconciliations have been implemented.
- Progress toward an accounting qualification or relevant professional development is advantageous but not essential depending on experience and role fit.