Senior Accountant - Fiat & EMI Entities

Overview

Senior, hands-on accounting role with end-to-end ownership of fiat entities supporting a regulated payments and crypto on/off-ramp business. The position reports to the Accounting and Financial Reporting Lead and operates as an individual contributor within a small accounting team.

This role covers four entities: two e-money institutions in the EU and the UK that are in the licensing pipeline, plus fiat entities in the US and Canada.

Responsibilities

• Entity accounting (Xero): Day-to-day accounting for four fiat entities in Xero (multi-currency), from setup through steady state.
• New entity set-up:
  • Build chart of accounts and bank mapping
  • Set up close calendar
  • Define statutory and tax filing calendar for each newly licensed entity
• EMI accounting and reporting:
  • Own safeguarding and client-money reconciliations designed with Treasury
  • Provide inputs for own-funds and capital-adequacy calculations
  • Prepare EMI regulatory returns to the national regulator and the FCA end to end
• Month-end close: For every entity, cover bank reports mapped by counterparty and intercompany, accruals, prepayments, loans, payroll entries, and FX revaluation.
• Intercompany: Record and reconcile heavy intercompany flows with Treasury and support transfer pricing documentation.
• Local statutory and tax compliance:
  • Prepare EU and UK annual accounts
  • Produce VAT and statistical reporting
  • Manage Companies House and HMRC deadlines
  • Provide year-end inputs for the US and Canada
  • Own the filing calendar and work with external tax advisers
• Invoice control: Check that supplier invoices meet local tax requirements before payment.
• Audit and group reporting: Provide consolidation inputs, prepare audit schedules, and respond to auditor queries for your entities.
• Management accounts: Prepare monthly entity-level accounts, perform analytical review of P&L and balance-sheet movements, and investigate unusual items before close sign-off.
• Process build: Document close procedures and controls for each new entity, designed to scale after licensing.

Requirements

• Hands-on accounting experience for a live EMI in the EU or UK, including EMI regulatory returns owned end to end and safeguarding or client-money reconciliations run directly (not through an outsourced provider).
• Experience producing own-funds or capital-requirement inputs for an EMI.
• 5+ years of in-house accounting with independent general ledger ownership and month-end close responsibility.
• Strong IFRS knowledge (UK GAAP / FRS 102 accepted) and a working understanding of US GAAP simplifications; ability to analyse new transactions, decide accounting treatment, and document positions.
• Multi-entity, multi-currency accounting experience including intercompany reconciliation, FX revaluation, and group consolidation (eliminations and foreign-currency translation).
• Strong balance-sheet ownership, including account reconciliations, ageing analysis, investigation of unreconciled items, and balance substantiation.
• Experience reconciling high-volume payment data to bank accounts and the general ledger.
• Fintech or payments background.
• Builder mindset—comfortable setting up processes from scratch.
• Fluent English.
• Existing right to work and residence in the EU/EEA or the UK.

Preferred Qualifications

• Latvian statutory and tax knowledge (VAT, statistical reports, benefits in kind) or Latvian language.
• Experience setting up accounting for a newly licensed EMI or PI.
• Experience running a multi-country filing calendar with external tax advisers.
• Xero experience, plus ERP or reconciliation tooling.
• Exposure to crypto or to international groups with heavy intercompany flows.
• Big 4 or audit background.

Compensation & Benefits

• 20 paid working days of annual leave
• Paid sick leave
• Health insurance
• Professional development opportunities, team events, and an English course

Location

• Remote (EU/EEA or UK)

Job Type

• Full-time