We are looking for astrong, hands-on Chief Financial Officer to lead the financial function in a fast-growing fintech company operating inpayments, acquiring, and high-risk segments across multiple jurisdictions.
This is akey 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 theCEO and executive team, helping shape a transparent, resilient, and scalable financial system.
Key Responsibilities
Financial Architecture & Structure
- Build and optimize the financial architecture of amulti-jurisdictional business structure
- Design and control fund flows between legal entities, providers, and partners
- Ensure alignment withregulatory, contractual, and tax requirements
- Support the development of a scalable and sustainable financial model for the business
Liquidity & Cash Flow Management (Fiat + Crypto)
- Managedaily 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 improveend-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 manageintercompany 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 withRisk, 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 inPSP / EMI / acquiring environments
- Strong understanding ofinternational payment flows
- Experience withmulti-jurisdictional business structures
- Hands-on experience withreconciliation and settlement processes
- Strong understanding ofliquidity and operational finance in payments
- Ability to work both strategically and operationally
Nice to have
- Experience withcrypto payments or hybrid fiat/crypto models
- Understanding ofsafeguarding / segregation of funds
- Experience with:
- chargebacks
- rolling reserves
- settlement risk
- Experience inregulated 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 afast-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
- Strong 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 theCEO and executive team
- Opportunity to shape and build the finance function
- Fast-growing and ambitiousfintech environment
- Flexible work format
- High ownership, visibility, and influence on strategic decisions
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Chief Financial Officer (CFO) in Richmond employer: TODA Pay
At TODA Pay, we pride ourselves on being an exceptional employer in the fintech sector, offering a dynamic work environment that fosters collaboration and innovation. Our commitment to employee growth is evident through professional development opportunities and a supportive culture that values work-life balance, with options for remote or hybrid work. Join us to be part of a friendly team where your contributions directly impact our mission in the digital payments landscape.
