Senior Associate, Settlement

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    "id": "1333",
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      "state": "Lagos"
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    "departmentLabel": "Global Operation",
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    "location": {
      "city": "Lekki",
      "state": "Lagos",
      "postalCode": "105102",
      "addressCountry": "Nigeria"
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    "datePosted": "2026-05-22",
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    "description": "<p><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-weight: bold\"><span style=\"font-size: 15px\">Flutterwave</span></span><span style=\"font-size: 15px\"> was founded on the principle that every African must be able to participate and thrive in the global economy. To achieve this objective, we have built a trusted payment infrastructure that allows consumers and businesses (African and International) make and receive payments in a convenient borderless manner.</span></span></p>\n<p><br></p>\n<p><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-weight: bold\"><span style=\"font-size: 15px\">The Role:</span></span><span style=\"font-size: 15px\"> Flutterwave is seeking a stellar Senior Associate, Settlement to join our Global Operations team. This role is pivotal in ensuring the smooth processing of settlements and managing chargeback disputes effectively.  This individual will play a crucial role in ensuring accurate and timely settlement of transactions effectively. </span><br></span></p>\n<p><br></p>\n<p><span style=\"color: rgb(0, 0, 0); font-weight: bold\"><span style=\"font-size: 16px; text-decoration: underline\">Responsibilities include but are not limited to:</span></span></p>\n<p><br></p>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px; font-weight: bold\">Merchant Settlements:</span>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Oversee daily, weekly, and monthly merchant settlements and reconciliation processes.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Review and approve transaction details from merchants, ensuring accuracy and compliance with internal policies and procedures.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Manage multiple merchant settlements and transaction details on a daily basis</span></li>\n</ul>\n</li>\n<li><span style=\"color: rgb(0, 0, 0); font-weight: bold\"><span style=\"font-size: 15px\">Chargeback Management:</span></span>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Develop and maintain a comprehensive understanding of chargeback regulations and procedures across different payment networks and regions.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Investigate and respond to chargeback disputes in a timely manner, ensuring compliance with relevant regulations and maximizing the chances of successful resolution.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Implement strategies to minimize chargeback rates and fraud risk, including monitoring transaction patterns and identifying potential fraudulent activities.</span></li>\n</ul>\n</li>\n<li><span style=\"color: rgb(0, 0, 0); font-weight: bold\"><span style=\"font-size: 15px\">Stakeholder Communication:</span></span>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Serve as the primary point of contact for internal stakeholders, including customer support, sales, and product teams, regarding settlement related inquiries.</span></li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-size: 15px\">Collaborate with external partners, including banks, payment networks, and regulatory bodies, to address settlement issues effectively and ensure compliance with industry standards.</span><br></span></li>\n</ul>\n</li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-weight: bold\"><span style=\"font-size: 15px\">Risk Management and Compliance:</span><span style=\"font-size: 15px\">      </span></span><br></span>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\"> Establish and enforce strong risk and operational controls to mitigate fraud and ensure compliance with regulatory requirements</span></li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-size: 15px\">Track and maintain fraud incident reports and related analyses.</span><br></span></li>\n</ul>\n</li>\n<li><span style=\"color: rgb(0, 0, 0); font-weight: bold\"><span style=\"font-size: 15px\">Reporting and Analysis:</span></span>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Generate regular reports on settlement processing metrics,  merchant settlement activities, chargeback statistics, and refund trends., providing insights to inform strategic decision-making.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Analyze data to identify trends, patterns, and areas for improvement, and make strategic recommendations to optimize performance</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\"> Report on fraudulent vs. service-related chargebacks, refunds, actions taken, and results obtained.</span></li>\n</ul>\n</li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-weight: bold\">Process Improvement:</span> </span>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0)\">Lead initiatives to streamline settlement and chargeback processes, enhance efficiency, and optimize resource allocation.</span></li>\n<li><span style=\"color: rgb(0, 0, 0)\">Identify opportunities for automation, innovation, and technology enhancements to improve operational effectiveness.</span></li>\n</ul>\n</li>\n</ul>\n<p><br></p>\n<p><span style=\"color: rgb(0, 0, 0); font-weight: bold\"><span style=\"font-size: 16px; text-decoration: underline\">Required competency and skillset to be a Waver:</span></span></p>\n<p><br></p>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Bachelor's degree in Business Administration, Finance, or a related field; advanced degree preferred.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Minimum of 5 years of experience in settlements, chargeback processing within the payments industry.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">In-depth knowledge of payment processing systems, settlement procedures, and chargeback regulations.</span><br></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Strong analytical skills with the ability to interpret complex data and derive actionable insights.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Excellent communication and interpersonal skills, with the ability to liaise effectively with internal and external stakeholders.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Proven leadership experience with the ability to motivate and inspire a team to achieve exceptional results.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Detail-oriented and highly organized, with a commitment to accuracy and efficiency.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Proficiency in relevant software and tools, such as payment processing platforms, CRM systems, and Microsoft Office suite (Strong Excel skills, ability to handle large amounts of data and to compile detailed report).</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Client engagement experience</span></li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-size: 15px\">Ability to work as part of a team and manage projects</span><br></span></li>\n</ul>\n<p><br></p>\n<p><span style=\"color: rgb(0, 0, 0); font-size: 15px\"><span style=\"font-weight: bold\">You’ll love this job if you</span></span></p>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Have an intellectual curiosity about payments and technology</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Have high aptitude to quickly understand customer use cases and requirements</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Have the ability to drive cross-functional teams from ideation to solution</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Have the ability to manage proactive and reactive tasks effectively</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Are self-driven, self-starter, extremely passionate, goal-getter and passionate about process improvements</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 15px\">Are comfortable managing relationships within every aspect of the organisation from senior executives to engineers<br></span></li>\n</ul>\n<p><br></p>\n<p><span style=\"color: rgb(0, 0, 0)\"><br></span><span style=\"color: rgb(72, 65, 63); font-size: 10pt; font-weight: bold\">Click here for the<span> </span></span><a href=\"https://docs.google.com/document/d/18F6CB21S02Rd3ReJZlqhTp3eLe4A-iK-1t7M8oZ20Ws/edit?tab=t.0\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-size: 10pt; font-weight: bold\">Recruitment Privacy Notice</span></a><span style=\"color: rgb(72, 65, 63); font-size: 10pt; font-weight: bold\"><span> </span>and<span> </span></span><a href=\"https://flutterwave.com/privacy-policy\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-size: 10pt; font-weight: bold\">Flutterwave Privacy Policy</span></a><br></p>",
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