Our Purpose

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Title and Summary

• Senior Analyst, Settlements Operations
• Warsaw
  Mastercard Purpose
  We work to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. We cultivate a culture of inclusion for all employees that respects their individual strengths, views, and experiences. We believe that our differences enable us to be a better team - one that makes better decisions, drives innovation, and delivers better business results.
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• Senior Analyst, Settlements Operations
• Warsaw

Overview:

An exciting opportunity is available to join the Payments Assurance Team within the Treasury Department at Mastercard Europe as a Senior Analyst based in Warsaw, Poland.
In this role, you will be responsible for ensuring accurate and timely settlement operations, including monitoring cash positions, managing liquidity, resolving aged items, and coordinating financial adjustments. You'll work closely with cross-functional teams to support risk mitigation, improve collections, and drive process improvements.
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• Key Responsibilities
• Manage liquidity across international currency accounts and support daily cash operations, including resolving discrepancies and ensuring timely fund availability.
• Monitor and report daily settlement bank balances to ensure accurate visibility of Mastercard's cash positions by reconciliation of expected vs. actual balances and escalate variances as needed.
• Oversee journal entries and manage internal fund movements to ensure accurate financial settlement.
• Investigate aged and unresolved settlement positions, identifying root causes and driving resolution.
• Analyze customer liabilities and waivers, ensure documentation and reporting of approvals, and coordinate with accounting to clear aged and bad debt balances through journal entries and reclassifications.
• Maintain monthly Settlement Assessments Billing and ensure alignment with Mastercard accounting policies.
• Improve cash collections and minimize credit risk by identifying process gaps and leading improvement initiatives.
• Contribute to process improvement and problem-solving initiatives across the team.
• Assist with additional tasks as and when required.
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• All About You
• Bachelor's degree in Finance or related field, or equivalent work experience
• Experience in accounting, audit, controllership, or financial reporting
• Proven background in cash management and liquidity oversight
• Exposure to fail management processes and settlement issue resolution
• Strong analytical, investigative, and problem-solving skills
• Proficiency in Excel and familiarity with financial systems
• Excellent interpersonal and communication skills
• Strong organizational skills and attention to detail
• Curious mindset with a focus on continuous improvement
• Fluency in English required; Polish is a plus
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• What We Offer
• A dynamic and supportive environment that encourages personal development
• Opportunities to work in a global, collaborative setting
• Competitive and attractive compensation package
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Corporate Security Responsibility:

All Mastercard employees are expected to:

• Abide by Mastercard's security policies and practices
• Ensure confidentiality and integrity of accessed information
• Report any suspected security violations or breaches
• Complete all mandatory security training as required

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard's security policies and practices;
• Ensure the confidentiality and integrity of the information being accessed;
• Report any suspected information security violation or breach, and
• Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.