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 Solid 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