Treasury Operations And Reconciliations Manager (Remote)

Finom; Málaga; Remote; EUR 90,000 - 120,000; Full time

Benefits offered by this job

Stock options

Work & Swim Cyprus program

Job summary

Finom is recruiting a Treasury Operations and Reconciliations Manager to oversee daily money movement, settlement, and reconciliation across SEPA, instant payments, cards and international transfers. You’ll work with a small team as volumes grow and new products launch, shaping money flows and safeguarding client funds.

The role emphasizes hands-on treasury management, cross-team collaboration with product and engineering, and building automated processes in a cutting-edge European fintech

Qualifications

• Experience in treasury operations, payment operations or reconciliation at an e-money institution, payment institution or bank.
• Builder's mindset: automated processes, collaboration with engineers.
• Escalation: handle money-impacting incidents with banks/schemes/internal teams.
• Hands-on knowledge of SEPA, SWIFT and card schemes.
• Fluent English communication.

Responsibilities

• Settlement and reconciliation day to day, ensuring every euro is where it should be.
• Daily funding of payment channels and buffers, around the clock.
• Safeguarding money and accurate regulatory reporting.
• Funds-flow engineering for new products and markets.
• Escalation point to resolve issues quickly with cross-team processes.
• Document operation workflows and automate manual work with engineering teams.

Skills

Treasury operations

Escalation handling

Funds-flow engineering

Payment systems knowledge

Job description

About Finom

Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform. We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe. Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain. At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole. Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.

The role

We are looking for a Treasury Operations and Reconciliations Manager to help run the daily operations that keep money moving safely through Finom Payments. Every payment our customers send or receive must be funded, settled, reconciled and safeguarded across SEPA, instant payments, cards and international transfers. This is a hands-on senior role at a moment of change. Volumes are growing fast and instant payments run around the clock. We are connecting more directly to payment infrastructure, and new products such as lending and payment acceptance bring new money flows. The path to a banking license raises the bar on control and reconciliation. You will take a major part in running the operation day to day, alongside a small team, and step in when money doesn't move as it should. You will also play a key role in designing actual money flows for new products, with our product and engineering teams, before they launch.

What you’ll do

You perform settlement and reconciliation day to day, making sure every euro is where it should be.

• Treasury operations. Daily funding of our payment channels and the buffers behind them, around the clock. Help bring new schemes and settlement models live safely.
• Reconciliation across banks, card schemes, payment processors and custodians. Take it from daily balance checks to automated, transaction-level control.
• Safeguarding and reporting. Keep client money fully protected every day, and make sure the related regulatory and scheme reporting is accurate and on time.
• Funds-flow engineering. Help design how money moves for new products, markets and partners, and get it right before launch. That covers accounts, postings, safeguarding treatment, reconciliation and what happens when something fails.
• Escalation. Be the escalation point when money doesn't move as it should. Build the cross-team processes so incidents get resolved fast and don't repeat.
• Process and automation. Document how the operation works, remove single points of failure, and automate manual work with our engineering teams.

Capital, policies, models, investment decisions and trade execution sit with the Head of Treasury. You run the operations and say when the numbers stop matching reality. The split keeps policy, execution and reconciliation independent, as a banking licence requires.

Who you are

Three things are essential: you know payment systems in depth, you stay effective in an escalation, and you can engineer funds flows.

• Experience in treasury operations, payment operations or reconciliation at an e-money institution, payment institution or bank.
• Builder's mindset. You have turned manual, person-dependent work into documented, automated processes, working closely with engineers.
• Escalation You have handled money-impacting payment incidents from first alert to resolution, working with banks, schemes and internal teams.
• Payment systems Hands-on knowledge of rails such as SEPA, SWIFT and card schemes.
• Funds-flow engineering You have taken an active part in designing or rebuilding money flows for new products or payment rails, including the accounts, postings, safeguarding treatment and reconciliation behind them.
• Control and clarity Segregation of duties and audit readiness come naturally to you, and you can explain a complex money flow simply. Fluent English.

Nice to have

• STEM education

What You Will Get In Return

Make a genuine impact on the product

Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.

Work in the EU

Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.

Become a stock options holder

Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.

Receive unwavering support and care

Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.

Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.

Equal Opportunity Statement

At Finom, we’re an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.

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