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Iboi Lucky

@iboilucky

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Payments reconciliation professional at Pixelpay Systems Ltd. handling merchant settlements and payment exceptions.

Nigeria

Message

At Pixelpay Systems Ltd., I reconcile card, USSD, and pay-with-transfer transactions for merchant collections. I validate inflows and outflows with banks and processors, escalate critical exceptions, and report on revenue, risks, and improvement areas.

Previously, I handled reconciliation and settlement across merchant, POS, transfer, and banking channels at Itex Integrated Services Ltd., OPay Digital Services Ltd., and FirstBank of Nigeria Ltd. My work included resolving discrepancies, investigating chargebacks, and supporting accurate settlements and compliance.

Experience

Work history, roles, and key accomplishments

Current

Lead Reconciliation & Settlement Officer

Current

Pixelpay Systems Ltd.

Jan 2026 - Present (8 months)

Perform daily reconciliation of card, USSD, and pay with transfer transactions for merchant collections. Monitor and validate inflows and outflows with banks and processors, and deliver reconciliation reports to CFO and senior management.

Reconciliations Settlements Card Transactions USSD Pay with Transfer Merchant Collections Banking Operations Financial Reporting

Team Lead, Reconciliation & Settlement

Itex Integrated Services Ltd.

Apr 2025 - Dec 2025 (8 months)

Led reconciliation of card, agency banking, and NIBBS transactions, ensuring accuracy and timely settlement. Oversaw merchant settlements and refunds, acted as escalation point for exceptions, and ensured compliance with audit and regulatory requirements.

Reconciliations Settlements Agency Banking NIBSS Merchant Settlement Refunds Compliance Audit Financial Reporting

Payment & Settlement Officer

OPay Digital Services Ltd.

May 2024 - Mar 2025 (10 months)

Managed end-to-end reconciliation and settlement across POS and transfer platforms (NIP, HydrogenPay, HabariPay). Partnered with NIBSS, processors, and settlement banks to resolve discrepancies and conducted root cause investigations into reconciliation and chargeback cases.

Reconciliations Settlements POS Transfers NIP HydrogenPay HabariPay NIBSS Chargebacks Root Cause Analysis Merchant Service Charges VAT Refunds Financial Reporting

Reconciliation Officer

FirstBank of Nigeria Ltd.

Sep 2022 - May 2024 (1 year 8 months)

Reconciled daily funds transfer settlement accounts, payable/receivable, suspense, and transaction split accounts. Investigated and resolved transaction discrepancies across AutoPay, PayDirect, ATM, Mobile, and POS platforms, and handled merchant claims via dispute resolution (CRM).