Reconciliation Analyst

Hey! We’re Plum, your smart saving and investing app on a mission to help grow money for life. Whether you’re stashing the cash for tea and toast in your first home or catching some rays during retirement, Plum’s got your back. Since 2016, over 2 million people in 10 European markets have set aside more than £2 billion with our clever automation and AI – that’s the magic of Plum! As recognition for our work, we’ve received awards from the likes of Deloitte, Finder, and more. That’s all down to our passionate team of 230+ Plumsters, who work around Europe to help us achieve our mission. And now we’re looking for more brilliant people to join us on our journey. The Role As a Reconciliation Analyst, you will play a critical role in safeguarding client funds by ensuring accurate, timely, and compliant management of client money You’ll operate at the intersection of finance, technology, and compliance, supporting our mission to deliver secure and transparent financial services to our customers. This is a hands-on analytical role, ideal for someone who thrives in a fast-paced fintech environment and enjoys improving processes through data, automation, and collaboration. What you’ll be doing Perform daily and monthly reconciliations, ensuring compliance with regulatory rules. Accurately match internal ledgers to external bank statements and identify discrepancies promptly. Investigate and resolve reconciliation breaks, escalating issues in line with CASS governance. Collaborate with Product, Finance, and Engineering teams to ensure client money movements are accurately captured in system workflows. Support the design and automation of reconciliation processes using fintech tools and data pipelines. Assist in the preparation and validation of the Client Money Calculation and segregation process. Contribute to the completion of CMAR (Client Money & Asset Return) submissions and internal reporting. Support internal and external audits by preparing reconciliation evidence and control documentation. Drive continuous improvement initiatives to strengthen compliance, efficiency, and scalability. What we’re looking for

Essential:

• Experience within a controlled environment regarding reconciliations (fintech, payments, trading platform, or investment firm).
• Good knowledge of reconciliation standards and requirements.
• Strong analytical and numerical skills with excellent attention to detail.
• Intermediate to advanced Excel skills (pivot tables, lookups, data validation).
• Experience reconciling large data sets across multiple systems.
• Ability to communicate clearly across finance, compliance, and tech teams.
• Highly organised, with the ability to prioritise and meet regulatory deadlines.

Desirable:

Experience with fintech reconciliation or automation tools

• Understanding of digital payments flows,or platform client fund segregation.
• Familiarity with FCA CASS Rules (not essential as training will be provided).
• Experience working in a fast-scaling fintech or start-up environment.

Plum's Perks

• Own part of the company you're helping grow through stock options
• Private health insurance
• Annual training budget
• Plum Premium for free
• Competitive referral scheme

Hybrid working: 2 days a week connecting in our beautiful offices in London, Athens, or Cyprus Team breakfasts and team lunches 25 days holiday + bank holidays 45 work-from-anywhere days to give you flexibility to work your way 2 weeks sabbatical after 4 years to take the break you deserve Enhanced parental leave 1 paid volunteering day annually Annual team trip to a surprise destination! A fun, inclusive company culture (think 🦄🌈💯) If you think this sounds like you, don’t hesitate to get in touch! Thanks, Plum Τeam

• Plum is an Equal Opportunity Employer. Plum does not discriminate on the basis of age, race, religion, sex, gender identity, sexual orientation, non-disqualifying physical or mental disability, national origin or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit and business need.