Financial Accountant: PSP & Cash Management

Finance - Sliema, Malta (Hybrid)

Salary EUR35-40K

A growing people-first iGaming organisation  on Malta is looking for a valued member of their team, a Financial Accountant.

Primary Responsibilities: PSP Operations & Analysis

· Portal fluency: Navigate the back-office portals of all major PSPs to retrieve statements, settlement reports, and transaction-level data without assistance.

· Daily PSP monitoring: Monitor PSP balances daily; flag PSPs requiring top-ups or withdrawals and action or escalate accordingly.

· Reconciliation: Reconcile PSP transactions end-to-end using tools like Aurum; resolve breaks and aged items in a timely manner.

· Fee verification: Verify that PSP fees charged are in line with agreed commercial terms and escalate discrepancies.

· Settlement tracking: Ensure PSPs settle within agreed timeframes; follow up on delays and document outcomes.

· Monthly service-charge reconciliation: Perform monthly reconciliation of service charges applicable to deposits and withdrawals.

· PSP inbox management: Own and manage PSP-related email inboxes; triage, respond to, and escalate queries promptly and professionally.

· Statement downloads & filing: Download, organise, and archive PSP statements and supporting documentation on a timely basis.

· PSP KPI reporting: Prepare and distribute regular KPI dashboards covering PSP performance: transaction volumes, fee ratios, settlement timing, balance positions, and exceptions.

· New PSP onboarding: Liaise with the Payments team prior to new PSP go-lives; clarify commercial terms, integration timelines, and fee structures ahead of first transactions.

Primary Responsibilities: Cash Management

· Daily cash monitoring: Monitor cash and e-money balances across all PSP accounts and wallets on a daily basis.

· Payment initiation: Initiate outgoing payments (PSP top-ups/withdrawals) via online banking portals and payment platforms, in line with authorisation controls and approval workflows.

· Cash movement tracking: Track and log all incoming and outgoing cash flows (receipts, settlements and fee deductions) ensuring every movement is accounted for and reconciled to the books.

· Cash reporting: Prepare regular cash position reports summarising balances by account and currency, flagging exceptions, low-balance risks, or unexpected movements for management review.

· Forecast support: Assist in the preparation of short-term cash flow forecasts; flag projected shortfalls or surplus positions in advance.

· Bank & portal access management: Maintain working knowledge of all active banking and payment portals; ensure statements and confirmations are downloaded, filed, and reconciled on schedule.

· FX awareness: Flag significant FX exposures arising from multi-currency cash positions; support the preparation of currency conversion instructions as directed.

Secondary Responsibilities: General Accounting

· Upload PSP transactions and fees into Xero accurately and on schedule.

· Post journals and perform general bookkeeping.

· Assist with weekly payment runs.

· Prepare bi-weekly PSP balance reports.

· Assist with audit queries, financial statement preparation, and VAT returns.

· Support daily and month-end accounting tasks as required.

· Prepare ad-hoc reports as requested.

· Undertake any other tasks as required by the Company from time to time.

WHO ARE YOU?

Essential

· Hands-on PSP experience: You have worked directly with payment service providers in a finance or payments operations role: you know how PSP portals work, what to look for, and how to resolve issues.

· Cash management experience: You have monitored multi-account cash positions, initiated and tracked payments, and produced cash reports in a fast-moving operational environment.

· Reconciliation expertise: Proven ability to reconcile high volumes of PSP or payment transactions accurately and within SLA.

· KPI-oriented mindset: Comfortable building and owning PSP performance reporting; you understand what the numbers mean and can communicate findings clearly.

· Inbox management discipline: Experience managing high-volume operational email inboxes in a structured, timely manner.

· A bachelor's degree in Accounting or Finance (or equivalent professional experience).

· At least 2 years' experience in a finance or payments operations role with direct PSP experience.

· Proficiency in written and spoken English.

· Excellent command of MS Excel and/or Google Sheets.

· Strong communication and interpersonal skills.

· Positive can-do attitude with a high degree of attention to detail.

Highly Advantageous

· Hands-on experience with the Aurum Reconciliation Tool would be a plus.

· Experience with Xero accounting software.

· Experience managing cash across multiple entities and currencies in a group structure.

· ACCA or ACA part-qualification, or currently studying

· Automation mindset: experience using scripts, macros, or workflow tools to reduce manual effort.

WHAT THEY OFFER?

· HQ in Sliema, Malta with fantastic sea views

· Hybrid working model.

· Mental Well-Being Program.

· Friday social gatherings on the terrace.

· Team and Company events.

· Refer a Friend Bonus.

· Combination of Private Health Insurance, Dental Insurance and vouchers.

· Discounted gym membership