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K20S Information Technology LLC

Job Title: Senior Card Reconciliation Testing Engineer
Experience 6+Yrs
Location Riyadh ( KSA )

Role Objective: We are seeking a highly skilled Card Reconciliation Testing Specialist with deep expertise in end-to-end reconciliation processes, middleware integrations, and debit/credit card transaction flows. The ideal candidate will lead reconciliation testing initiatives and ensure accurate financial data validation across core banking systems and global card networks such as Visa and Mastercard.
Key Responsibilities:
End-to-End Reconciliation Testing:
· Lead and execute comprehensive reconciliation testing across issuer, processor, middleware, and General Ledger systems
· Validate two-way and three-way reconciliation between internal systems, middleware, and external networks
Card Transaction Validation:
· Validate debit and credit card transactions across authorization, clearing, and settlement stages
· Ensure transaction integrity across ATM, POS, e-commerce, and teller channels
Middleware and Interface Testing:
· Validate data flow and transformation across middleware systems
· Ensure seamless integration between core banking systems, card platforms, and reconciliation tools
Data and File Reconciliation:
· Analyze and validate network files from Visa and Mastercard
· Reconcile settlement reports with General Ledger postings
· Identify discrepancies such as missing transactions, duplicate records, and amount mismatches
Test Strategy and Execution:
· Design and execute test scenarios, test cases, and test data
· Perform UAT, and regression testing for reconciliation systems
Defect and Issue Management:
· Log, track, and manage defects with clear documentation and evidence
· Perform root cause analysis for reconciliation breaks
· Collaborate with development, middleware, and business teams for resolution
Reporting and Compliance:
· Prepare reconciliation reports, dashboards, and audit documentation
· Ensure adherence to financial controls and regulatory requirements
Stakeholder Management:
· Act as a liaison between business, technology, and external partners (Visa, Mastercard, processors)
· Support business users during UAT and production validation
Technical Qualifications &amp; Experience:
Domain Expertise:
· 6+ years of experience in card reconciliation testing or card operations
· Strong understanding of the card transaction lifecycle
Reconciliation Knowledge:
· Expertise in two-way and three-way reconciliation
· Strong knowledge of clearing, settlement, and GL reconciliation
Tools &amp; Technologies:
· Experience with reconciliation tools such as TLM or similar platforms
· Hands-on experience in middleware/interface testing
· Advanced Microsoft Excel skills (Pivot Tables, VLOOKUP, data analysis)
· Basic SQL for backend validation
Card Network Knowledge:
· Strong understanding of Visa and Mastercard settlement/reporting formats
· Knowledge of transaction flows across ATM, POS, and online channels
Testing Methodology:
· Experience in SIT, UAT, and regression testing
· Familiarity with defect tracking tools (JIRA, Azure DevOps)
· Experience working in Agile/Scrum environments
Soft Skills:
· Strong communication and stakeholder management skills
· Excellent analytical and problem-solving ability
· High attention to detail and accuracy
· Ability to perform in high-pressure banking environments