Chief Financial Officer (CFO) – Fintech / EMI

London, UK – Hybrid

Full-time | Financial Services / Fintech / Payments

We are seeking an experienced Chief Financial Officer (CFO) to join a growing FCA-regulated Electronic Money Institution (EMI) in London.

This is a senior leadership role with responsibility for the organisation’s financial strategy, regulatory financial management, safeguarding, treasury, financial controls and governance.

Previous experience within a fintech, EMI or Payment Institution is essential. In particular, we are looking for someone with strong, hands-on knowledge of FCA safeguarding requirements and safeguarding reconciliations.

Key Responsibilities

• Lead financial strategy, budgeting, forecasting and financial planning

• Take senior ownership of the organisation’s safeguarding framework

• Oversee daily internal and external safeguarding reconciliations and resolution of discrepancies or shortfalls

• Ensure appropriate segregation and protection of customer funds

• Oversee safeguarding accounts and relationships with safeguarding banks

• Maintain robust safeguarding policies, procedures, controls and governance

• Manage FCA regulatory reporting, including relevant financial and safeguarding returns

• Oversee regulatory capital, own funds requirements and liquidity management

• Lead management accounts, statutory reporting, cash-flow forecasting and financial performance reporting

• Manage treasury operations, banking relationships and cash management

• Lead financial audits, safeguarding audits and regulatory reviews

• Strengthen financial controls, accounting processes and governance frameworks

• Provide financial and regulatory insight to the CEO and Board

• Partner closely with Compliance, Risk and Operations

• Build, lead and develop the finance function as the business grows

About You

You will ideally have:

• Significant senior finance leadership experience as a CFO, Finance Director or Head of Finance

• Strong experience within an FCA-regulated EMI, Payment Institution, payments business or fintech

• Demonstrable hands-on experience with safeguarding, safeguarding reconciliations and customer funds protection

• Strong understanding of FCA requirements applicable to UK payments and e-money businesses

• Knowledge of the Electronic Money Regulations 2011 and Payment Services Regulations 2017

• Experience managing regulatory capital, own funds, liquidity and regulatory financial reporting

• Experience working with safeguarding banks, auditors and regulatory stakeholders

• Strong treasury, financial controls and financial governance expertise

• A recognised professional accounting qualification such as ACA, ACCA, CIMA or equivalent

• Experience providing strategic financial guidance at Board level

• Strong commercial judgement, leadership and stakeholder-management skills

This opportunity would suit a commercially minded finance leader who combines traditional CFO capabilities with deep knowledge of the regulatory and operational requirements of the UK fintech and payments sector

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