Chief Financial Officer (CFO)

TODA Pay; Richmond; On-site; CAD 180,000 - 280,000; Full time

Benefits offered by this job

Flexible work format

Job summary

TODA Pay is seeking a strong, hands-on Chief Financial Officer to lead the financial function of a fast-growing fintech company focused on payments, acquiring, and high-risk segments. This key C-level role will report to the CEO, shape a scalable financial system, and collaborate with Risk, Compliance, and Operations to drive liquidity, transparency, and long-term value across multiple jurisdictions.

You will own FP&A, intercompany structure, cash flow management, and financial reporting while

Qualifications

• 1.5+ years of fintech/payments/ acquiring experience.
• Mandatory experience in high-risk segments.
• Experience 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 strategically and operationally.

Responsibilities

• Lead financial architecture and multi-jurisdictional structure development.
• Oversee liquidity and cash flow management across fiat and crypto.
• Ensure end-to-end reconciliation and financial control.
• Manage intercompany accounting and reporting.
• Own FP&A, budgeting, forecasting, and management reporting.
• Partner with Risk, Compliance, Operations, Legal, and Business teams.

Skills

Fintech/payments experience

High-risk segments

Multijurisdictional structures

Liquidity management

Strategic & operational leadership

Executive collaboration

Tools

PSP/EMI platforms

Reconciliation & settlement software

Accounting / ERP tools

Job description

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