Finance Lead (Safeguarding & Reconciliations)

Location: UK Perform daily internal and external safeguarding reconciliations across client ledgers, bank accounts and payment providers; investigate differences and escalate shortfalls promptly. Maintain safeguarding calculations, records and supporting evidence, with clear separation of client funds and company money. Establish finance procedures, independent checks and approval controls; identify gaps and improve or automate recurring processes. Manage client invoicing, fee checks, collections, supplier payments and month-end reconciliations. Prepare management accounts and reports on revenue, costs, cash flow, liquidity and capital; support budgets and forecasts. Maintain a reporting calendar (what is submitted, how, when and by whom); prepare financial and prudential returns for review and approval. Monitor own funds and capital headroom, escalate concerns and support the financial elements of wind-down planning. Coordinate finance and safeguarding audit requests, resolve queries with banking partners and keep complete audit trails. Obligatory Requirements and skills Career and experience 4–6+ years in finance, including direct responsibility for safeguarding and reconciliations in a UK-regulated EMI or payment institution (essential). Education Accounting qualification (ACA, ACCA, CIMA or equivalent) or part-qualified/studying is an advantage; practical EMI experience is the priority. Industry UK-regulated EMI or payment institution (essential); banking, payments or fintech finance teams also valued. Technical Working knowledge of FCA safeguarding requirements, the Payment Services Regulations 2017 and Electronic Money Regulations 2011, capital/own funds requirements and prudential/regulatory returns. EQWIRE | Job Description Advanced Excel (lookups, pivots, large datasets); accounting systems (e.g. Xero, NetSuite); multi-currency accounting. Reconciling ledger, bank-statement and payment-provider data; audit trails and evidence. Skills and attributes Organised and proactive; investigates discrepancies and improves processes; meets deadlines. Explains issues clearly in English to non-finance colleagues, auditors and banking partners Preferably •Start-up or scale-up experience. •FX or cross-border payments exposure. Reliability: official employment from the first day, bonuses, annual employee review (salary review or bonus, feedback on work results) Stability: our clients are in different countries, therefore we are ready for any changes in work of any country Development: a lot of projects and products, which means increasing expertise in working with different technologies, or even switching to completely new ones for you within the company Active corporate life: we participate in thematic conferences and forums in our cool sphere of business, corporate parties in the best restaurants of the city with participation of stars, etc Comfort: Offices are in different countries. You can work from anywhere in the world