Fund Transfer Officer

Job title : Fund Transfer Officer

Role Summary

• The Fund Transfer Officer is responsible for driving operational integrity and settlement excellence for Sage Grey Finance Limited by accurately executing, monitoring, and reconciling local and international fund transfers, payment instructions, and liquidity movements across the company's banking and transaction ecosystem.
• The role focuses on consultative payment operations, risk-controlled execution, compliance adherence, and service reliability across internal finance teams and external banking partners.
• The role goes beyond routine payment processing and requires the ability to understand transaction structures, coordinate seamlessly with treasury and compliance teams, and position Sage Grey Finance Limited as a reliable, secure, and operationally disciplined organization in every settlement interaction.
• The ideal candidate will have prior exposure to payment operations, treasury processing, or banking operations environments, with a strong understanding of SWIFT messaging, AML/CFT screening protocols, and an established ability to manage high-volume, time-critical fund transfers accurately to enhance the company's transaction execution credibility and stakeholder trust.

Key Responsibilities
The Fund Transfer Officer shall be responsible for, but not limited to, the following:
Fund Transfer Execution & Settlement:

• Process daily domestic and cross-border fund transfers including SWIFT MT103/MT202, local ACH, real-time payment systems, and online banking platforms.
• Verify payment instructions against supporting documentation (invoices, disbursement memos, facility letters, or client authorizations) before submission.
• Ensure all transfers comply with prescribed approval workflows, value dating rules, and available balance checks.
• Monitor outgoing and incoming payments, flagging delays, rejections, or discrepancies to the supervisor.
• Maintain accurate records of all transfer instructions, approvals, and transaction references.

Compliance & AML/CFT Checks:

• Screen all fund transfer instructions against internal watchlists, sanctions lists, and prohibited entity registers before processing.
• Escalate any suspicious, mismatched, or high-risk transactions to the Compliance Officer or Team Lead immediately.
• Ensure beneficiary and sender details are complete, accurate, and compliant with regulatory expectations.
• Maintain audit-ready logs of screening outcomes, approvals, and any override justifications

Bank Portal & System Management:

• Operate banking portals, treasury platforms, or core banking applications to initiate and authorize transfers within delegated limits.
• Validate and maintain counterparty bank details including SWIFT/BIC, IBAN, intermediary bank routing, and local clearing codes.
• Troubleshoot basic portal issues (e.g., failed logins, session timeouts, file upload errors) and escalate unresolved matters to IT or bank support.

Reconciliation & Record Keeping:

• Reconcile daily outgoing transfers against bank statements, transaction reports, and internal ledgers.
• Prepare end-of-day transfer logs, including total value processed, number of transactions, fees incurred, and pending items.
• Assist the finance and treasury teams in investigating unreconciled, aged, or returned transactions.
• Maintain organized, accessible digital files for all transfer instructions, approvals, and bank confirmations.

Reporting & Escalation:

• Provide daily, weekly, and monthly activity reports to the Team Lead or Treasury Manager, highlighting processing volumes, exceptions, and rejected transfers.
• Promptly escalate system errors, limit breaches, or compliance flags to senior officers.
• Document and report any operational gaps or recurring issues to support continuous improvement.

Qualifications and Experience

• A minimum of a Bachelor’s Degree in finance, Accounting, Banking & Finance, Economics, Business Administration, or related disciplines.
• 2 - 4 years relevant experience in payment operations, fund transfer processing, treasury operations, or settlement roles within a bank, finance company, or corporate treasury department.
• Demonstrated experience in processing SWIFT payments, local clearing systems, and online banking portals.
• Familiarity with AML/CFT payment screening requirements and sanctions list checks.
• Proficiency in Microsoft Excel (reconciliations, basic formulas, sorting/filtering) and payment file preparation.