Joy Isaac

Finance and Reconciliation Specialist with over 3 years of experience in financial operations, reconciliations, reporting, compliance, and internal controls across fintech, banking, and corporate environments. Skilled in identifying discrepancies, improving reporting accuracy, supporting audit processes, and managing high-volume financial transactions. Proficient in Microsoft Excel and financial systems with strong analytical, reporting, and problem-solving capabilities.

Finance Officer - Autochek Africa

(2025-04)

• Perform daily and monthly reconciliations across driver wallets, ride transactions, and intercompany accounts.
• Prepare cumulative variance reports and payable schedules to support management decision-making and financial reviews.
• Generate periodic operational and financial reports for compliance and internal review purposes.
• Process refunds, commissions, loan repayments, and incentive payments with high accuracy.
• Support payroll and statutory remittances including pensions, NHF, NSITF, and ITF compliance.
• Investigate reconciliation discrepancies and support internal control improvements, reducing reconciliation errors by 15%.
• Support finance operations through transaction monitoring, reporting, and process reviews.

Account Payables Officer - Bluechip Communications Limited

(2024-03 - 2025-04)

• Managed end-to-end vendor payment processing, reconciliations, and statutory remittances including VAT and WHT.
• Prepared weekly and monthly payable reports for management review and audit support.
• Supported month-end closing activities and preparation of audit documentation.
• Improved payable reporting efficiency, reducing turnaround time by 30%.
• Maintained accurate vendor records and ensured timely payment processing.

Finance Officer - Empire Trust Micro-Finance Bank

(2023-01 - 2024-03)

• Reconciled multiple bank accounts and identified discrepancies including double postings and fraud risk indicators.
• Generated Portfolio at Risk (PAR) reports and monitored loan repayment performance.
• Verified payroll, commissions, and vendor payments for compliance and accuracy.
• Assisted in preparing consolidated financial statements and audit schedules.
• Supported internal control processes and reconciliation reviews.

Finance Officer (Graduate Intern) - Pareto Finance Institution

(2022-07 - 2022-12)

• Conducted bank reconciliations and reviewed commercial partner risk asset transactions.
• Prepared supporting documentation for audit exercises and compliance reviews.
• Improved reconciliation documentation processes to maintain audit readiness.
• Assisted with operational finance reporting and transaction reviews.

B.Sc. - Accounting - Ekiti State University (2021)