Вікторія

Viktoriia Kutyla
Finance Operations Specialist
[відкрити контакти](див. вище в блоці «контактна інформація») [відкрити контакти](див. вище в блоці «контактна інформація») Kiliia, Odesa Region, Ukraine

[відкрити контакти](див. вище в блоці «контактна інформація»)

SUMMARY

Finance Operations Specialist with 8+ years of experience in accounting and fintech. Strong
background in financial operations, including reconciliations and financial reporting, with a focus on
accuracy and control of financial data. Worked with large volumes of financial data across multiple
systems, identifying discrepancies and ensuring reliable financial records. Contributed to P&L
reporting and participated in month-end processes. Detail-oriented and analytical, with a structured
approach to financial data and process consistency.

PROFESSIONAL EXPERIENCE

Pepper Pay LLC, Settlement Manager 07/2024 – 03/2026
Prepared and reviewed detailed transaction reports, identifying discrepancies and maintaining
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data reliability
Prepared and analyzed ACH reports, verifying accuracy of settlements and fees charged, and
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investigating discrepancies
Reviewed profitability reports, reviewing income and fee calculations for correctness, and
•

contributed to preparation of P&L analysis
Maintained and reconciled chargeback records, tracking related fees and identifying discrepancies
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Monitored reserve balances and verified and processed reserve releases to merchants
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Calculated and applied daily and monthly merchant fees, ensuring alignment with contractual
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terms and transaction data
Prepared monthly reports (ACH reports and reports on accrued fees) and validated fees in
•

accordance with agreements
Analyzed merchant processing data and contributed to development of reporting tools to assess
•

transaction volumes against approved levels
Analyzed transactions processed via third-party processors, reconciling data across systems and
•

reviewing related fee structures
Prepared and reconciled agent commission reports, reviewing calculations and identifying
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discrepancies
Performed occasional financial analysis and prepared additional reports upon request
•

LTD. “Titan”, Accountant 07/2021 – 07/2024
Maintained inventory accounting, including processing of receipt and expense documents, internal
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movements, and write-offs
Conducted inventory processes, analyzed discrepancies, supporting consistency of accounting
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records
Handled accounting and prepared financial and tax reporting for individual entrepreneurship in
•

compliance with tax regulations
Analyzed settlements with counterparties, performed reconciliations, and resolved discrepancies
•

LTD. “Firma “Nash Dom”, Accountant 08/2019 – 03/2021
Maintained accounting of assets and monitored related expenses in financial records
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Prepared and submitted statistical reports on fixed and intangible assets
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Reviewed and verified invoices, analyzed supporting documents, and investigated discrepancies in
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coordination with finance team
 Worked with bank statements and monitored transactions to support accurate financial records
•

LTD. “Epicentr K”, Accountant 06/2018 – 06/2019
Maintained accounting of assets, including processing of invoices, internal movements
•

Conducted inventory processes and verified accuracy of stock and asset balances
•

Prepared and submitted reports on fixed and intangible assets, ensuring completeness and
•

reliability of data
Analyzed settlements with counterparties, performed reconciliations, and resolved discrepancies
•

SKILLS

Financial Analysis Data analysis & Microsoft Excel Google Workplace
& Reporting Data Management (Advanced)
Tax Reporting
Payment Processing Banking Operations 1C (Accounting
Systems Software)

LANGUAGES

Ukrainian (Native) | Russian (Native) | English (B2, Upper-Intermediate)

COURSES

The Complete Financial Analyst Course 2026⁠ , Udemy 03/2026
Status: in progress. Focused on advanced Excel, accounting, financial analysis, and business
modeling

EDUCATION CERTIFICATES

Odesa National Economic University, EF SET English Certificate (B2 Upper
Master’s Degree in Finance, Banking and Insurance Intermediate)⁠
2014 – 2019
Course Completion Certificate "Excel Lookup
Deep Dive: VLOOKUP, XLOOKUP, INDEX-
MATCH & More"⁠