Financial Analyst Payments & Settlement Operations

Location: Denver, CO(US)
Employment Type: Full-Time

About the Role

We’re seeking a hands-on Financial Analyst with experience in travel-industry payment processing, specializing in settlement operations, Virtual Credit Cards (VCCs), and multi-currency transactions (USD/EUR). This role supports accurate settlement, reconciliation, and cash flow across North America and Europe.

Key Responsibilities

• Monitor and reconcile merchant card and VCC settlements across USD and EUR


• Manage ARC airline billing and settlement, including refunds and debit memos


• Track supplier payments, settlement timing, and funding discrepancies


• Support working capital and credit facility monitoring


• Analyze FX impacts, chargebacks, cancellations, and refunds


• Produce settlement and reconciliation reports; investigate variances


• Partner with banks, processors, VCC providers, and internal teams to resolve issues

Required Qualifications

• 3–5 years experience in payments, settlement operations, or financial analysis within the travel industry


• Hands-on experience with:
  
  
  
  • ARC settlement
  
  
  • Virtual Credit Card (VCC) programs
  
  
  • Merchant card processing
  
  
  • Multi-currency reconciliation (USD/EUR)
  
  
  
  


• Strong Excel skills; SQL or BI tools a plus

Preferred

• Experience in OTA, travel tech, TMC, or airline environments


• Exposure to treasury, credit facilities, or FX management


• Familiarity with PCI, PSD2, or travel payment regulations

Switchfly Core Values to consider for this position:  

Bold and Fearless Innovation

Professional success requires thinking big and dreaming big, with generous helpings of courage and curiosity. Nimble and forward-thinking, we’re building the future by challenging ourselves and demanding daily improvement. As we relentlessly push boundaries, everything becomes possible. 

Ownership and Accountability

Taking professional responsibility reflects an approach that understands the stakes, and how success requires everyone to be truly accountable. We’re visionaries, not mercenaries, and from the CEO to our newest colleague, we own what we do, because the buck stops with each of us. 

At Switchfly, we don’t just accept difference — we celebrate it, we support it, and we thrive on it for the benefit of our employees, our products, and our community. We are a proud to be an equal opportunity workplace. Unfortunately, at this time we cannot support any visa candidates.  

Switchfly offers a competitive base pay, 401k with match, a full suite of health benefits with an average of 87%* of premiums covered by Switchfly! We offer a flexible work environment and work-life balance with unlimited paid time off. At Switchfly closes down the office Christmas Eve to New Years to make sure employees spend time with family and friends or doing what they love most! For those local to Denver, we also reimburse parking, provide catered lunches on Tuesdays.    

*Premium coverage will vary depending on chosen plan  

Information on Interviews: 
Switchfly will communicate directly with applicants using an @switchfly.com email address and will never conduct an interview in a chatroom forum.  During an interview, Switchfly will not request any form of payment from the applicant, or information regarding an applicant’s bank or credit card.  Should you have any questions regarding the application process, please contact us at [email protected]