Imane Hajji
Kansas City,MO
Summary
I am a settlement and payments operations professional with hands-on experience managing end-to-end settlement processes, multi-network reconciliations, and financial controls within a global fintech environment.
I manage the full daily settlement and Funds movement lifecycle across multiple programs, including pull/push funding, Visa, Mastercard, and Pulse reconciliations, exception identification and resolution, ACH operations, and client wallet management. I coordinate with payment partners on ACH processes, missing funds investigations, and settlement escalations through Jira to ensure accurate and timely settlements.
I bring a strong foundation in month-end close, Blackline reconciliations, GL validation, journal entries in NetSuite, and transaction coding for financial reporting. I collaborate cross-functionally with the Accounting, Operations, and Implementation teams to support automation initiatives and improve operational efficiency across payment workflows.
Pursuing a Master of Science in Finance (STEM-designated) at Henry W. Bloch School of Management at the University of Missouri–Kansas City, to deepen my expertise in financial analysis, fintech, and payments automation.
Overview
5
5
years of professional experience
Work History
Finance Operational Analyst
EML Payments
Kansas City, Kansas
11.2021 - Current
Settlement & Funding
Handle the full daily settlement cycle across multiple programs including pull/push funding, Visa, Mastercard, and Pulse reconciliations, ensuring prior day funds processed correctly with no returns outstanding
Manage settlement for multiple bank issuers including Pathward and People's Trust (Canada)
Review and resolve settlement exceptions to ensure automation flows correctly into client wallets
Partner & Escalation Management
Coordinate with Pathward on ACH processes, missing funds investigations, and settlement issues, escalating through Jira or email when needed
Use Store Financial to pull reports across multiple portals and process ACH transactions
Attend weekly meetings with Pathward to review settlement activity and track resolutions
Run chargeback reports when Mastercard settlement files are received
Reconciliation
Reconcile client files daily to confirm automation ran correctly and funds were successfully pulled
Verify client BIN mapping and bank fund flows are routing accurately
Build and maintain Excel-based reconciliation tools to identify discrepancies
Send reconciliation files to program managers as settlement confirmation
Accounting & Financial Reporting
Support month-end close including BlackLine reconciliations, GL validation, journal entries, and NetSuite reconciliations
Collaboration
Work closely with Accounting, Operations, Implementation, Customer Success, and Strategy & Partnership teams to resolve issues and improve workflows
Executed bank reconciliation processes to ensure accuracy of financial records., Conducted account reconciliation to identify discrepancies in financial records. and +22 skills
Education
Master of Science - Finance
UMKC
Kansas City, MO07-2027
Skills
- Financial analysis
- Bank reconciliation
- Financial reporting
- Microsoft Excel
- Month-end close
- General ledger
- Journal entries
- Treasury operations
- Problem solving
- Cost analysis
- Internal controls
- Cash flow management
- Business intelligence
- Data interpretation
- Stakeholder communication
- Variance analysis
- Strategic financial planning
- Data inputting
- Accounting principles
- General ledger accounting
- Finance
- Financial statement analysis
- Account reconciliation
- Cashflow processes
- Funds distribution
Timeline
Finance Operational Analyst
EML Payments
11.2021 - Current
Master of Science - Finance
UMKC