Finance Manager - Europe

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Plaid is a leading fintech company dedicated to building the tools and experiences that thousands of developers use to create products that transform the way people interact with their finances.

Overview

The Finance Manager & Safeguarding Officer will be the primary on‑ground owner for our UK and EU regulated entities. You will work closely with the US Head of Accounting, the US Head of GL Accounting, local service providers, and Legal & Compliance teams to support a smooth EMI application process and ensure ongoing financial and regulatory compliance. Successful candidates will possess a strong understanding of FCA (UK) and DNB (Netherlands) financial reporting and capital adequacy requirements, as well as safeguarding regulations under the Electronic Money Regulations (UK) and Electronic Money Directives (EU).

Responsibilities

• Lead all financial operations for UK/EU entities, including accounting oversight, reconciliations, internal controls, and management reporting.
• Prepare and maintain monthly/quarterly management accounts, prudential metrics, and capital adequacy reporting.
• Coordinate annual financial audits across jurisdictions and ensure audit readiness.
• Ensure consistent application of accounting and prudential standards across UK/EU entities.
• Manage outsourced UK/BV accounting service providers and partner closely with the US Accounting team to ensure a timely and accurate month‑end close.
• Oversee treasury and liquidity management, ensuring adequate funding and strict segregation of client and corporate funds.
• Design, operate, and maintain the safeguarding control framework, including daily safeguarding reconciliations and timely investigation of discrepancies.
• Maintain safeguarding and trust accounts with regulated credit institutions and ensure breaches are logged and escalated appropriately.
• Prepare and coordinate the annual independent safeguarding audit and track implementation of recommendations.
• Produce and submit all required regulatory returns, including FCA REP021, FSA056/057 EMI returns, and DNB prudential reports.
• Develop management information and dashboards for senior management and the Board on safeguarding effectiveness, liquidity, and financial soundness.
• Support annual wind‑down planning, operational resilience testing, and broader prudential compliance requirements.
• Work closely with Legal, Compliance, and Risk to embed strong financial and safeguarding controls across processes.
• Liaise with banking partners, auditors, and UK/EU regulatory authorities on financial, prudential, and safeguarding matters.
• Support cross‑border initiatives to ensure consistent safeguarding, liquidity, and prudential practices across the group.

Qualifications

• Minimum 8 years’ experience in finance, accounting, or treasury within a fintech, payments, or EMI environment.
• Experience working in a firm authorised by both the FCA and DNB (or other EU regulators).
• In‑depth understanding of the Electronic Money Regulations (2011), Payment Services Regulations (2017), and equivalent EU frameworks under the PSD2/PSD3 and Wft.
• Proven experience managing safeguarding reconciliations, prudential calculations, and regulatory returns.
• Qualified accountant (ACA, ACCA, CIMA, RA, or equivalent).
• Strong understanding of multi‑currency safeguarding and cross‑border finance.
• Excellent analytical and reporting skills; confident liaising with regulators and auditors.
• Exceptional attention to detail, integrity, and accountability.
• [Nice to have] Practical involvement in an EMI licence application or safeguarding audit.
• [Nice to have] Knowledge of wind‑down operational resilience, and capital adequacy frameworks.
• [Nice to have] Experience managing banking relationships and payments infrastructure partners.

Equal Opportunity

Plaid is proud to be an equal‑opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion, sexual orientation, gender identity, age, military or veteran status, disability, or any other legally protected characteristic. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need assistance with your application or interviews due to a disability, please let us know at disability@plaid.com.

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