Treasury Officer

Job Description

MSI Ghana invites applications from qualified, experienced, and values-driven professionals for the position of Treasury Officer.

• Department: Finance
• Reports To: Finance Director/Head Of Finance
• Reporting Line: Country Director
• Probabtion: 3months

About the Role
The Treasury Officer is a critical finance role responsible for managing MSI Reproductive Choices Ghana's treasury operations, liquidity planning, banking relationships, cash positioning, and payment processes to ensure uninterrupted programme and operational delivery. The role holder will support effective cash flow management, strengthen internal controls, improve treasury visibility, and ensure compliance with donor regulations,statutory requirements, and MSI global financial policies. As a key member of the Finance team, the Treasury Officer will work closely with Budget Holders, Programme Teams,Procurement, and banking partners to ensure efficient utilisation of organisational funds.

Key Duties & Responsibilities
1. Cash & Liquidity Management

• Monitor daily cash balances across all bank accounts and mobile money accounts.
• Prepare daily, weekly, and monthly cash position reports for the Finance Director.
• Prepare rolling cash flow forecasts and liquidity projections; ensure adequate liquidity for programme implementation and operational commitments.
• Monitor restricted and unrestricted cash utilisation across all funding sources.
• Identify and proactively escalate potential funding gaps and liquidity risks to the Finance Director.
• Prepare monthly cashflow requests for approval in line with MSI global policy.

2. Treasury Operations & Payment Management

• Process and coordinate supplier payments, payroll funding, staff advances, statutory payments, and programme disbursements.
• Ensure timely funding of field offices, centres, outreach teams, clinics, and projects.
• Manage electronic banking platforms and payment processing systems.
• Coordinate inter-bank transfers and funding allocations.
• Process Momo pay-outs and reconcile mobile money transactions.
• Maintain proper documentation, approvals, and audit trails for all treasury transactions.
• Manage and reconcile staff Debit Cards and staff advance accounts.

3. Banking Relationship Management

• Liaise with banks (including Petra and United Pension Fund), mobile money providers, and financial institutions on treasury and operational banking matters.
• Support bank account administration, mandates, signatory updates, and online banking access management.
• Monitor banking charges and recommend cost optimisation opportunities.
• Support implementation of banking and digital payment solutions to improve operational efficiency.
• Maintain strong working relationships with financial service providers to support smooth treasury operations.

4. Cash Forecasting & Financial Planning

• Work closely with Budget Holders and Programme Teams on funding requirements and cash planning.
• Support liquidity planning aligned with donor disbursement schedules and programme implementation timelines.
• Monitor donor-funded project cash utilisation and funding availability.
• Provide treasury insights to support management decision-making and financial sustainability.

5. Reconciliations & Financial Reporting

• Perform daily, weekly, and monthly bank reconciliations for all bank and mobile money accounts.
• Investigate and resolve unreconciled items and long outstanding balances promptly.
• Support treasury-related schedules for month-end and year-end close processes.
• Prepare treasury reports including bank balances, payment summaries, and FX summaries for management and audit purposes.
• Prepare and post monthly Forex gains and losses in SUN.
• Maintain accurate treasury records, schedules, and filing systems.

6. Compliance & Internal Controls

• Ensure treasury activities comply with MSI global financial policies, donor regulations, and statutory requirements.
• Maintain strong internal controls over cash management and payment processes.
• Support fraud prevention and financial risk mitigation initiatives.
• Ensure segregation of duties and adherence to approval workflows at all times.
• Maintain proper documentation and audit trails; support internal and external audit processes.
• Ensure compliance with Bank of Ghana and applicable financial regulatory requirements.

7. Statutory & Regulatory Support

• Support timely payment of PAYE, SSNIT, withholding tax, and other statutory obligations.
• Liaise with Ghana statutory agencies and the organisation's bankers (GRA, SSNIT, Petra, United Pension Fund).
• Assist with preparation of treasury-related statutory documentation and reconciliations.
• Support donor financial compliance and reporting requirements as they relate to treasury.

8. Operational & Programme Support

• Support timely funding of centres, outreach activities, clinics, and programme operations.
• Coordinate with Budget Holders and Programme Teams on operational funding requirements.
• Assist with urgent operational and programme funding requests where necessary.
• Support donor-funded project cash tracking and utilisation monitoring.

STRATEGIC IMPORTANCE OF THE ROLE
The Treasury Officer role is critical to: ensuring uninterrupted programme delivery; improving liquidity visibility and cash discipline; strengthening donor funds stewardship and accountability; supporting organisational financial sustainability; enhancing internal controls and fraud prevention; and reducing payment delays and operational disruptions.

Required Skills or Experience

QUALIFICATIONS, KNOWLEDGE & EXPERIENCE

• Education: Bachelor’s degree in finance, Accounting, Banking, Economics, or related discipline
• Professional Cert.: Part or full qualification in ACCA, ICA, CIMA, or CFA (an added advantage; studying towards preferred)
• Experience: Minimum 3–5 years of relevant experience in treasury, finance operations, or cash management
• NGO Experience: Experience in NGO, healthcare, donor-funded, or international development environment is desirable 
• Systems: Experience using ERP/accounting systems such as SUN Systems, Sage, SAP, or Oracle is required; proficiency in electronic banking platforms
• Other: Experience managing electronic banking systems, payment platforms, and mobile money (Momo) is an advantage

Skills & Competencies

• Strong understanding of treasury management, liquidity controls, and cash flow forecasting
• Good knowledge of financial controls and banking operations
• Strong Microsoft Excel and financial reporting skills
• Ability to prepare reconciliations and rolling cash flow forecasts
• Understanding of donor compliance and Ghana statutory obligations (GRA, SSNIT, Bank of Ghana)
• Strong analytical and problem-solving skills with excellent attention to detail
• Good communication and stakeholder engagement skills
• Ability to work under pressure and meet payment deadlines
• Strong organisational and prioritisation skills

Personal Attributes & Behaviours

• High level of integrity, accountability, and professionalism; absolute trustworthiness in handling organisational funds
• Strong analytical and results-oriented mindset
• Ability to maintain confidentiality and exercise sound judgement at all times
• Strong stakeholder management and collaboration skills
• Proactive and solution-oriented approach to work
• Commitment to MSI RCL Ghana values including pro-choice and safeguarding principles
• Zero tolerance for fraud; meticulous with a zero-error mindset in payment processing
• Culturally sensitive; team player