Financial Operations Manager

Launch Tennessee; United States; Remote; USD 85,000 - 120,000; Full time

Job summary

A fintech startup is seeking a Financial Operations Manager to lead the FinOps team. This role involves overseeing daily financial operations, optimizing processes, and ensuring compliance. The ideal candidate has experience in fintech or financial services, strong analytical skills, and leadership abilities. Competitive benefits include open PTO and equity opportunities.

Benefits

Open PTO policy

Comprehensive health insurance

401(k) with company match

Equity compensation

Generous paid holiday schedule

Paid parental leave

Quarterly work-from-home stipend

Qualifications

• 5+ years of experience in financial operations, treasury management, or similar role.
• Experience in a financial technology (fintech) company or financial services organization.
• Demonstrated experience managing transaction processing and reconciliations.

Responsibilities

• Lead the day-to-day financial operations.
• Manage daily transaction workflows including wires, checks, and payments.
• Perform reconciliations and ensure compliance with regulations.

Skills

Banking operations

Payments

Investment transaction flows

Analytical skills

Leadership

Organizational skills

Communication skills

Excel proficiency

Education

Bachelor’s degree in Finance, Accounting, Business Administration, or related field

Series 99

Tools

Accounting software

Treasury software

Job description

Be a Part of Something Big

At Alto, we're changing the way people invest for the future.

Alto was founded on the belief that a diversified portfolio should be accessible to everyone, not just the ultra-wealthy. We created a solution that allows ordinary people to invest their tax-advantaged retirement funds into non-traditional assets, like real estate, startups, securitized artworks, cryptocurrency, and more.

By joining Alto's growing team, you'll help make our mission a reality and work with unique people who are passionate about what they do.

To learn more about our team and working with us, please visit our Before You Apply page, which features videos of our CEO and other team members answering questions about working at Alto.

Job Summary

The Financial Operations Manager at Alto will lead a FinOps team that owns and oversees day-to-day financial operations for all of Alto. This leader will ensure accurate, efficient, and compliant processing of incoming and outgoing transactions, investment execution, and transaction reconciliations. This role is critical to maintaining operational excellence, safeguarding financial integrity, and supporting Alto as we grow. The ideal candidate has proven experience in financial technology or financial services, with expertise in investments, payments, or banking operations. This leader will strategically improve our processes, remove manual steps, and create systems to add leverage to the platform and service clients at scale.

Essential Duties and Responsibilities

Transaction Processing & Settlement

• Manage daily transaction workflows including wires, checks, internal transfers, and investment-related payments.
• Book and record tax and check payments.
• Process inbound and outbound wires.
• Enter and allocate inbound check batches, ensuring accuracy and timely posting.
• Address chargebacks, NSF accounts, and related adjustments.

Reconciliations & Financial Controls

• Perform daily, monthly, and ad-hoc reconciliations (e.g., bank, cash, transactions).
• Manage forfeitures and related account adjustments.
• Review and action distributions as required.
• Support month-end close by reconciling bank statements and preparing reports.
• Oversee write-offs and ensure accurate documentation.

Process Improvement & Cross-Functional Collaboration

• Partner with Operations, Product, and Engineering teams to improve financial workflows and system integrations.
• Identify and implement process improvements to enhance accuracy, automation, and efficiency.
• Strategically elevate FinOps processes and execution to allow for servicing customers at scale with AI processes and solutions.
• Serve as a subject matter expert for financial operations, advising on new initiatives and system enhancements.
• Ensure all financial processes comply with regulatory standards, internal policies, and audit requirements.

Leadership Responsibilities

• Manage, mentor, and develop members of the financial operations team.
• Establish and maintain best practices, policies, and controls for financial operations.
• Act as a liaison between Finance, Operations, Product & Engineering and other business units to ensure seamless financial processing.
• Provide training, support, and guidance to team members on new processes, tools, and compliance requirements.
• Foster a culture of accountability, accuracy, and continuous improvement.

Education and Experience

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• Series 99.
• 5+ years of experience in financial operations, treasury management, or similar role.
• Prior experience in a financial technology (fintech) company or financial services organization (banking, payments, or investments) is required.
• Demonstrated experience managing transaction processing, reconciliations, and settlement operations.
• Proven experience with monthly close processes, audit preparation, and financial reporting.

Required Skills and Abilities

• Strong knowledge of banking operations, payments, and investment transaction flows.
• Ability to manage high-volume transaction processing with accuracy and attention to detail.
• Experience with reconciliations, settlement systems, and treasury workflows.
• Excellent analytical and problem-solving skills.
• Strong leadership, organizational, and communication skills.
• Ability to thrive in a fast-paced fintech environment, balancing competing priorities while ensuring compliance and accuracy.
• Advanced proficiency in Excel and familiarity with accounting/treasury software tools.
• Strong sense of ownership and accountability for financial accuracy and timeliness.

Why Alto?

We answered your most pressing questions before you apply here. We are a dynamic and collaborative team, all working towards a common goal. We care about diversity, inclusion, and belonging, and every voice is heard. We also care most about our people, offering a lot of really great benefits, including:

• Open PTO policy encouraging regular time off
• Comprehensive health insurance and voluntary benefits (e.g., dental, vision, LTD, pet coverage, etc.) options
• HSA contribution match for the HSA-eligible health insurance plan
• 401(k) with up to 3% company match yearly
• Equity as a part of your compensation
• Generous paid holiday schedule that allows for at least one 3-day weekend each month
• Four to 12 weeks paid parental leave
• No-meeting Friday: we aim for zero internal meetings on Fridays to allow for focus time
• Quarterly work-from-home stipend to support a fully remote or hybrid work-life

Well, what are you waiting for? Apply now!

Equal Opportunity and Prohibits Discrimination

Alto is an Equal Opportunity Employer and prohibits discrimination of any kind. Employment decisions are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion or belief, sex, gender identity, sexual orientation, pregnancy, family or parental status, or any other status protected by law. Alto will not tolerate discrimination or harassment and encourages applicants of all ages.

About Alto

Founded in 2015, Alto is a rapidly growing fintech startup based in Nashville, TN. We’re building a platform to provide clients with tools to invest retirement funds into alternative assets. The Alto platform connects investors with private companies, fund managers, and over 50 recognized investment platforms, offering access to a wide range of alternative assets, including startups, artwork, real estate, cryptocurrency, and more.