Access Bank Recruitment 2026: Apply for Team Lead, Card Settlement Job in Lagos

Access Bank is inviting qualified and experienced professionals to explore an opportunity for the position of Team Lead, Card Settlement in its Operations department in Lagos, Nigeria. This role is suitable for banking professionals with a strong understanding of card settlement systems, transaction reconciliation, financial controls, and payment operations.

The successful candidate will supervise card settlement activities, ensure accurate and timely processing of transactions, support the Unit Head, and maintain effective working relationships with payment networks, merchants, and other stakeholders.

If you have relevant banking experience, a minimum of a Second-Class degree, and the required knowledge of card settlement procedures, this opportunity may be worth considering.

Job Overview

• Job Title: Team Lead, Card Settlement

• Company: Access Bank

• Department: Operations

• Job Category: Banking and Financial Services

• Job Location: Lagos, Lagos State, Nigeria

• Work Arrangement: On-site

• Minimum Qualification: First degree with at least Second-Class honours

• Minimum Experience: Six years of relevant experience

• Master’s Degree: An advantage

• Professional Certification: An added advantage

• Application Status: Refer to the official vacancy page for current availability and any deadline.

About the Role

The Team Lead, Card Settlement will be responsible for supervising and authorizing settlement transactions while supporting the Unit Head in delivering quality settlement services to partners.

Card settlement is an essential part of banking operations. It involves reconciling payment transactions, confirming settlement amounts, ensuring that funds are correctly allocated, and resolving discrepancies between transaction records and settlement reports.

The successful candidate will help ensure that card transactions are processed accurately and on time across payment networks such as Visa, Verve, Afrigo, American Express (Amex), and Mastercard.

The position also requires strong analytical skills, attention to detail, knowledge of accounting principles, and the ability to identify operational risks and improve settlement processes.

Key Responsibilities

The successful candidate will be expected to perform the following duties:

1. Supervise Card Settlement Operations

Oversee daily card settlement activities and ensure transactions are processed according to established procedures and applicable payment network rules.

2. Manage Payment Network Settlements

Maintain a clear understanding of settlement processes and procedures for Visa, Verve, Afrigo, American Express, and Mastercard.

3. Ensure Timely Transaction Settlement

Monitor card transactions to ensure that settlements are completed within the required timelines and that delays are identified and resolved promptly.

4. Reconcile Transaction Reports

Balance incoming and outgoing transaction reports against settlement values received from payment associations, switches, and other relevant partners.

5. Maintain Accurate Financial Records

Ensure that the correct entries are posted to relevant settlement, expense, revenue, and general ledger (GL) accounts daily.

6. Enforce Internal Controls and Regulatory Compliance

Ensure strict adherence to the bank’s internal controls, operational procedures, and applicable regulatory requirements governing card settlement activities.

7. Manage Merchant Settlements

Ensure that merchant transactions are posted to the appropriate general ledger and accounts, and that merchant settlements are accurate and completed on time.

8. Clear Suspense Accounts

Monitor suspense accounts and ensure outstanding balances are investigated and cleared daily, in accordance with established procedures.

9. Prepare Regulatory Reports

Ensure that all required regulatory reports are accurate, complete, and submitted within the stipulated deadlines.

10. Process Chargebacks Promptly

Oversee the timely processing of chargebacks to minimize financial exposure, reduce avoidable losses, and support the effective resolution of disputed transactions.

11. Manage Credit Card Settlements

Ensure the prompt processing of credit card settlement and repayment files on a daily basis.

12. Perform Reconciliation Activities

Oversee DTS and credit card reconciliation processes, investigate discrepancies, and ensure that identified issues are resolved appropriately.

13. Improve Settlement Automation

Champion the automation of settlement processes to improve operational efficiency, accuracy, turnaround time, and control effectiveness.

14. Analyse Settlement Data

Review settlement data to identify trends, recurring issues, potential risks, and opportunities for operational improvement.

15. Train and Guide Settlement Officers

Provide regular guidance, coaching, and training to settlement officers to strengthen their technical knowledge and ensure consistent performance.

16. Manage Stakeholder Relationships

Maintain effective working relationships with payment partners, merchants, internal departments, and other stakeholders involved in settlement operations.

17. Identify and Mitigate Operational Risks

Identify potential weaknesses in settlement processes and implement appropriate measures to reduce errors, financial losses, and operational risks.

Required Qualifications

Applicants should carefully review the following academic and professional requirements before submitting an application.

Educational Qualification

• A first degree in any discipline.

• A minimum of Second-Class honours is required.

• A relevant master’s degree will be an added advantage.

Professional Certification

Possession of a recognized professional certification will be an added advantage. Applicants with relevant banking, finance, accounting, payments, or operational qualifications may wish to highlight them in their applications where applicable.

Work Experience Requirements

The vacancy specifies a minimum of six years of relevant experience.

Candidates should be prepared to demonstrate experience that relates to the responsibilities of the position, particularly in areas such as:

• Card settlement and payment operations.

• Transaction reconciliation and financial reporting.

• Merchant settlement processing.

• General ledger postings and account balancing.

• Chargeback management and dispute resolution.

• Banking operations, risk management, and internal controls.

• Payment systems, operational automation, and process improvement.

The job description also identifies exposure to the marketing of financial services as an advantage. Applicants should consult the official vacancy description for the employer’s full interpretation of the experience requirements.

Essential Skills and Competencies

Access Bank is looking for a candidate who can combine technical banking knowledge with leadership, analytical ability, and effective communication.

The required competencies include:

• Card settlement knowledge: A sound understanding of card settlement processes, payment networks, and related operational procedures.

• Analytical skills: The ability to interpret transaction reports, analyse settlement data, and identify discrepancies.

• Attention to detail: The ability to maintain accurate records and detect errors before they lead to financial losses.

• Communication skills: Strong verbal and written communication skills, including the ability to explain factual information clearly and accurately.

• Follow-up skills: The ability to monitor outstanding issues and ensure that corrective actions are completed.

• Organisation: The ability to manage multiple tasks systematically and meet daily operational deadlines.

• Pressure management: The ability to remain calm and effective when handling time-sensitive settlement issues.

• Customer service: A professional and service-oriented approach to working with merchants, partners, and internal stakeholders.

• Accounting knowledge: A general understanding of accounting principles, financial entries, and reconciliation procedures.

• Leadership and teamwork: The ability to guide settlement officers, collaborate with colleagues, and support continuous improvement.

How to Apply for the Access Bank Team Lead, Card Settlement Job

Interested and qualified candidates should submit their applications through Access Bank’s official recruitment platform.

Application steps:

1. Visit the official job advertisement using the link below.

2. Read the complete job description and confirm that you meet the stated requirements.

3. Select the application option provided on the recruitment page.

4. Complete the application form with accurate personal, educational, and professional information.

5. Upload your CV and any other documents requested through the official portal.

6. Review your information carefully before submitting your application.

7. Keep an eye on your email and phone for any recruitment-related communication.

Official application links:

• Job description: https://apply.workable.com/access-bank/j/F544C33ECD/

• Direct application page: https://apply.workable.com/access-bank/j/F544C33ECD/apply/

Applicants are encouraged to apply as soon as possible if the vacancy remains open. No closing date was included in the job information provided for this article, so candidates should check the official portal for the current status.

Tips for Preparing a Strong Application

To improve the quality of your application, consider the following recommendations:

1. Tailor your CV to the role. Highlight relevant experience in card settlement, payment operations, reconciliation, accounting, and financial controls.

2. Demonstrate measurable achievements. Where possible, explain how you improved settlement accuracy, reduced reconciliation delays, resolved outstanding balances, or strengthened operational controls.

3. Highlight leadership experience. Include examples of supervising staff, training colleagues, managing stakeholders, or coordinating time-sensitive operational activities.

4. Emphasise relevant technical knowledge. Clearly state your experience with card payment networks, merchant settlements, chargebacks, and general ledger reconciliation, where applicable.

5. Verify your qualifications. Ensure that your academic qualifications and professional certifications are accurately presented.

6. Use the official recruitment portal. Avoid paying individuals who promise guaranteed employment, preferential treatment, or insider access to the recruitment process.

Frequently Asked Questions (FAQs)

1. What is the position advertised by Access Bank?

The vacancy is for Team Lead, Card Settlement in the Operations department.

2. Where is the job located?

The position is based on-site in Lagos, Lagos State, Nigeria.

3. What is the minimum educational qualification?

Applicants must possess a first degree in any discipline with at least Second-Class honours.

4. Is a master’s degree compulsory?

No. The job description identifies a relevant master’s degree as an added advantage, not a mandatory requirement.

5. How many years of experience are required?

The vacancy specifies a minimum of six years of relevant experience.

6. Is professional certification compulsory?

A recognized professional certification is listed as an added advantage.

7. How can I apply for the vacancy?

Apply through the official recruitment page: Here (please double click to see the page)

8. What is the application deadline?

The supplied job description does not specify a deadline. Check the official recruitment page for the latest information.

Finally

The Access Bank Team Lead, Card Settlement vacancy presents an opportunity for experienced banking professionals seeking a leadership role in payment operations. The position requires a combination of settlement expertise, reconciliation skills, regulatory awareness, analytical ability, and staff supervision.

Candidates who meet the stated academic and experience requirements should review the official advertisement carefully and submit an accurate, well-prepared application through the authorised recruitment portal.

Disclaimer: This article is provided for informational purposes and is based on the vacancy details supplied for publication. Recruitment status, eligibility criteria, and application deadlines may change. Applicants should verify all information through Access Bank’s official recruitment portal. This blog is not an official representative of Access Bank and does not guarantee employment or selection.