We are looking for a strong, hands-on Chief Financial Officer to lead the financial function in a fast-growing fintech company operating in payments, acquiring, and high-risk segments across multiple jurisdictions.

This is a key C-level role with direct impact on:

financial architecture of the business liquidity and cash flow management financial transparency and control collaboration with Risk, Compliance, and Operations long-term scalability of the company

You will work directly with the CEO and executive team , helping shape a transparent, resilient, and scalable financial system.

Key Responsibilities Financial Architecture & Structure

Build and optimize the financial architecture of a multi-jurisdictional business structure

Design and control fund flows between legal entities, providers, and partners

Ensure alignment with regulatory, contractual, and tax requirements

Support the development of a scalable and sustainable financial model for the business

Liquidity & Cash Flow Management (Fiat + Crypto)

Manage daily liquidity across multiple payment flows

Oversee payment calendars, balances, obligations, limits, and settlements

Monitor and mitigate risks such as:

liquidity gaps settlement delays

FX exposure blocked or reserved funds

Build financial scenarios and forecasting models ( base / stress / growth cases )

Reconciliation & Financial Control

Oversee and improve end-to-end reconciliation processes

Ensure data accuracy across

transactions fees

FX rates conversions settlements

Identify anomalies, financial inefficiencies, margin leakage, and operational blind spots

Accounting, Reporting & Intercompany

Build and manage intercompany financial models

(loans, service agreements, fees, licensing)





Supervise external accounting and financial reporting processes

Ensure tax compliance and support transfer pricing logic where relevant

Maintain financial discipline and reporting accuracy across jurisdictions

FP&A; & Management Reporting

Own and manage

P&L;

Cash Flow unit economics

Lead budgeting, forecasting, and variance analysis

Build clear management reporting and dashboards for leadership

Provide the CEO with high-quality financial visibility and decision support

Cross-Functional Partnership

Work closely with Risk, Compliance, Operations, Legal, and Business teams

Integrate financial logic into key business and risk decisions

Support topics related to

AML / KYT / Fraud reserves and rolling reserves chargebacks fund blocking and settlement exposure

Process Building & Automation

Build transparent and scalable financial processes

Document workflows and establish internal controls

Introduce automation and improve auditability across the finance function

Bring structure and clarity into complex financial operations

Requirements Must-have

1.5+ years of experience in fintech / payments / acquiring

Mandatory experience in high-risk segments

Experience working in PSP / EMI / acquiring environments

Strong understanding of international payment flows

Experience with multi-jurisdictional business structures





Hands-on experience with reconciliation and settlement processes

Strong understanding of liquidity and operational finance in payments

Ability to work both strategically and operationally

Nice to have

Experience with crypto payments or hybrid fiat/crypto models

Understanding of safeguarding / segregation of funds

Experience with

chargebacks rolling reserves settlement risk

Experience in regulated environments

(EU / UK)

Leadership Competencies

Strong leadership skills and ability to own the finance function end-to-end

Experience building or developing teams across:

Treasury

Accounting

FP&A;

Reconciliation

Ability to collaborate cross-functionally with senior stakeholders

Strong decision-making skills in a fast-changing, high-growth environment

Strategic thinking with a deep understanding of how finance impacts the business

High level of ownership, accountability, and business maturity

Ability to structure complexity and create order in dynamic systems

Robust communication skills and ability to translate financial logic into business decisions

Success in This Role Looks Like

Stable and well-managed liquidity

Transparent and accurate financial reporting

No critical reconciliation or settlement errors

Clear financial visibility for leadership

Scalable, well-structured financial processes

Strong partnership between Finance and the rest of the business

What We Offer

C-level role with real business impact

Direct collaboration with the CEO and executive team

Opportunity to shape and build the finance function

Fast-growing and ambitious fintech environment

Flexible work format

High ownership, visibility, and influence on strategic decisions

📌 Chief Financial Officer (CFO) (Richmond)
🏢 TODA Pay
📍 Richmond