Financial Controller | Payments & Fintech

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.