Financial Controller | Payments & Fintech

Remote; San Francisco (CA); Remote; USD 92,000 - 128,000; Full time

Benefits offered by this job

Fully remote

Toronto base

Ownership

Autonomy

Leadership access

Systems design

Automation

Career growth

Job summary

Partner Company is seeking a hands-on Financial Controller to build and lead the financial operations of a growing payments business. This fully remote role, based in Canada, will own high-volume payment reconciliations, financial reporting, and cash management while establishing robust controls and scalable processes for a rapidly expanding fintech environment.

You will work across multiple payment processors, MoR/PayFac, and banking relationships, delivering profitability insights and

Qualifications

• 7+ years of experience in accounting and finance, with direct responsibility for financial close and internal controls.
• 3+ years in payments, merchant acquiring, MoR/PayFac, or fintech operations.
• Experience reconciling payment processor settlements to bank deposits and merchant payouts.
• Strong understanding of payment flows, fees, reserves, refunds, chargebacks, and merchant settlements.
• Advanced Excel and experience with accounting systems and cash management.

Responsibilities

• Reconcile high-volume payment transactions across processors, banks, and merchants.
• Lead month-end closing and ensure accurate financial reporting.
• Oversee financial reporting, cash forecasting, and multi-entity accounting tasks.
• Manage merchant settlements, liquidity, and financial controls.
• Develop profitability reporting across merchants, processors, and entities.
• Automate finance processes to support growth and scalability.
• Maintain robust accounting procedures and controls.

Skills

Financial close

Payments experience

Internal controls

Cash forecasting

Multi-entity accounting

Excel proficiency

SQL knowledge

Automation tools

Tools

ERP systems

Job description

This position is listed on behalf of a partner company, which manages all applications and next steps. Our partner is looking for a Financial Controller | Payments & Fintech based in Canada.

We are seeking a hands-on Financial Controller to build and lead the financial operations of a growing payments business. In this fully remote, full-time role, you will take ownership of core finance activities, from high-volume payment reconciliations to financial reporting and cash management. You will work closely with leadership to establish reliable financial controls and scalable processes that support continued growth. Your work will span multiple payment processors, merchant accounts, banking relationships, and business entities. You will also develop clear profitability insights and improve the efficiency of finance operations through automation. This is an opportunity to shape a developing finance function and contribute directly to the success of a growing fintech environment.

Accountabilities

• Reconcile high-volume payment transactions across processors, Merchant Identification Numbers (MIDs), banks, and merchants, including processing fees, reserves, refunds, and chargebacks.

• Lead the month-end closing process, ensuring accurate and timely financial records and reporting.

• Oversee financial reporting, cash forecasting, and multi-entity accounting activities.

• Manage merchant settlements, payouts, liquidity, and financial controls to ensure accurate and reliable fund flows.

• Develop and deliver profitability reporting across merchants, payment processors, and legal entities, providing leadership with clear financial insights.

• Build, improve, and automate finance processes, particularly payment reconciliation and financial operations, to support business growth and operational scalability.

• Establish and maintain robust accounting procedures and controls across the payments business.

Requirements:

• At least 7 years of experience in accounting and finance, including direct responsibility for financial close processes and internal controls.

• At least 3 years of hands-on experience in payments, merchant acquiring, Merchant of Record (MoR), Payment Facilitator (PayFac), or fintech operations.

• Proven experience reconciling payment processor settlements through to bank deposits and merchant payouts.

• Strong understanding of payment flows, transaction fees, reserves, refunds, chargebacks, and merchant settlement processes.

• Advanced Excel skills and experience working with accounting systems and cash management processes.

• Strong analytical and problem-solving abilities, with the capacity to investigate discrepancies and maintain financial accuracy in high-volume environments.

• Ability to take ownership of finance operations, build scalable processes, and work effectively in a fast-moving business.

• CPA designation, SQL knowledge, or experience with automation tools would be considered an asset.

Benefits:

• Full-time, fully remote position based in Toronto, Canada.

• Opportunity to join a well-funded, growing payments and fintech business.

• Significant ownership and autonomy in building and managing the finance function.

• Direct collaboration with company leadership and access to key decision-makers.

• Opportunity to design financial systems, controls, and automated processes from the ground up.

• Professional growth through involvement in the development and scaling of a payments business.