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Oluwatobiloba Fasina

@oluwatobilobafasina

Payment Operations & Settlement Specialist with 5+ years improving card scheme settlement, reconciliation, and operational risk control.

Nigeria
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What I'm looking for

I’m looking for a role where I can own T+1 settlement and reconciliation for card and digital payments, strengthen operational risk control and SLA compliance, and use reporting and SQL to improve payment integrity and customer trust.

I’m a Payment Operations and Settlement Specialist with 5+ years’ experience supporting fintech and banking operations across card scheme settlement (Visa, Mastercard, Verve), POS/ATM reconciliation, digital payments, chargebacks, cross-border settlement, wallet operations, and operational risk control.

I excel at managing high-volume, multi-channel transactions and executing settlement cycles (T+1) with a focus on improving payment integrity, liquidity accuracy, SLA compliance, and customer trust.

In my current role, I validate and execute daily POS issuer settlement, manage interbank obligations via NIBSS, process Paydirect settlement reports, and lead daily settlements for 100+ billers using the Global Report. I also handle chargeback settlements, reversals for failed payments based on switch advisories, settlement reclassification into the right GLs, and high-volume batch processing—while preparing detailed worksheets and supporting training for colleagues.

Experience

Work history, roles, and key accomplishments

Access Bank Plc logoAP
Current

Settlement Officer

Mar 2025 - Present (1 year 4 months)

• Validate and execute daily POS issuer settlement, ensuring accurate transaction processing as advised by the switch.
• Review card transactions settlement across multiple schemes (Visa, MasterCard, Verve) consummated on various POS terminals to identify discrepancies, investigate exceptions, and resolve issues to maintain financial accuracy.
• Manage interbank obligations through NIBSS settlemen

AP

Flexcube 14.7 Upgrade Tester

Access Bank Plc

Apr 2024 - Mar 2025 (11 months)

Built UAT test cases, SOPs, and testing strategies for an Oracle Flexcube core banking upgrade and executed functional and performance checks. Logged and followed up defects with technical teams, documented UAT findings, and produced end-user training materials while monitoring branch activities from the command center.

Access Bank Plc logoAP

Core Banking Application Upgrade Tester (Flexcube 14.7)

Apr 2024 - Mar 2025 (11 months)

• Created and prepared detailed Test Cases, Standard Operating Procedures (SOPs) and testing strategies for end users to validate updated core banking application.
• Executed test cases to perform functional and performance checks, ensuring system readiness and stability.
• Identified defects as a business user, logged them appropriately, and followed through with resolution using effective collab

Access Bank Plc logoAP

Assistant Banking Officer: Settlement, Reconciliation, Chargeback & Disputes Spe

May 2023 - Apr 2024 (11 months)

* T+1 daily settlement of both customers, branches, merchants and internal payable and receivable general ledgers for all transactions consumated by cardholders on all authorized ATM terminals in Nigeria both as as Acquirer and Issuer bank on different cards schemes, such as VISA, MASTERCARD & CREDIT CARDS.
* Reconciliation of system entries and Manual entries corelating with General Ledgers (GL)

AP

Settlement & Disputes Specialist

Access Bank Plc

May 2023 - Apr 2024 (11 months)

Performed T+1 settlement and reconciliation of ATM transactions (including customer, branch, and merchant payable/receivable GLs) as both acquirer and issuer across Visa and Mastercard schemes. Validated settlement reports, prepared settlement statements, handled reversals for failed ATM transactions, and escalated outstanding settlements while coordinating T+1 remittances to branches for DTS tran

WP

Chargeback & Disputes Officer

Wema Bank Plc

Aug 2020 - Apr 2023 (2 years 8 months)

Handled interswitch settlement and reconciliation (including Arbiter and e-tranzact) and completed T+1 reconciliation and settlement for electronic bill payment transactions. Reconciled Paydirect products (150+), resolved failed bill payment complaints, and processed biller settlements using Global Report and split reports.

Wema Bank Plc. logoWP

Settlement, Reconciliation Chargeback & Disputes Officer.

Aug 2020 - Apr 2023 (2 years 8 months)

* Interswitch settlement for vendors, merchants and all agency banking channels
* Arbiter Settlement
* E-tranzact settlement and reconciliation
* T+1 Reconciliation and settlement of bill payment transactions (such as airtime purchase, data purchase, electricity and cable tv subscriptions) performed through electronic channels.
* Paydirect reconciliation of more than 150 products for bill paymen

Wema Bank Plc. logoWP

Executive Trainee

Aug 2020 - Apr 2023 (2 years 8 months)

Reconciliation and settlement of bill payment transactions (such as airtime purchase, data purchase, electricity, and cable tv subscriptions) performed through electronic channels. Daily reconciliation of more than 60 products for bill payments on Paydirect. Daily Interswitch settlement for billers. Resolution of customer’s complaint on failed bill payment transactions. Settlement of billers (into

Wema Bank Plc. logoWP

Content Writer

Mar 2020 - Aug 2020 (5 months)

* Created content for to promote to promote and drive traffic on social media platforms
* Constructed memo for internal and external use
* Created and constructed calendar for social media use.
* Anchored a vlog for internal dissemination of information
* Created content to celebrate national and international special days

JN

Customer Service Rep

Jumia Nigeria

Oct 2019 - Dec 2019 (2 months)

Provided customer service support in an internship role.

Jumia Nigeria logoJN

Customer Service Representative

Oct 2019 - Dec 2019 (2 months)

Worked as Customer Service Representative at Jumia Nigeria.

Inspiration 105.9fm logoIF

Marketing Administrative Coordinator

Aug 2018 - Jul 2019 (11 months)

As a Marketing Administrative Coordinator, I
1. Administered media purchase order.
2. Prepared invoice and receipts on sales.
3. Created and sent well-structured proposals.
4. Delivered media purchase order.
5. Monitored and evaluated sales on the media purchase order.

Education

Degrees, certifications, and relevant coursework

UL

University of Lagos

Master's Degree, International Relations and Affairs

EN

Ekiti State University, Ado Ekiti, Nigeria.

B. Sc.(Hons), Political Science and Government

(2nd class upper)

UL

University of Lagos

Master in Public & International Affairs- MPIA

2020 - 2023

EA

Ekiti State University, Ado-Ekiti

Bachelor's degree, Political Science and Government

2012 - 2017

Ekiti State University logoEU

Ekiti State University

B. Sc.(Hons), Political Science and Government

2012 - 2017

Grade: 2nd class upper

Earned a B.Sc.(Hons) in Political Science and Government at Ekiti State University (2nd class upper) from 2012 to 2017.

Tech stack

Software and tools used professionally

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