Finance Accounting Manager

Key Responsibilities - Treasury & Cash Management: Monitor daily balances across all bank and counterparty accounts; arrange sweeping and pooling of treasury funds as required. Review daily cash position and manage liquidity positions for operational and settlement needs. Oversee daily cash book checking and reconciliation; review cashbooks prepared by team members. - Reconciliation & Payment Review: Upload and reconcile counterparty statements against internal accounts and the company's Payment Registers. Investigate discrepancies; escalate to management where needed. Review and approve payments in accordance with the company's approval matrix. - Customer Funds & Safeguarding: Monitor customer balances and ensure funds are properly segregated from the company's operating funds. Reconcile customer liabilities and transaction records; investigate and promptly rectify any discrepancies. - Financial Closing & Reporting: Lead timely and accurate monthly closing of the full set of consolidated accounts at company and group level. Ensure transactions are accurately recorded in the accounting system; investigate unusual balances or movements. Review the P&L and balance sheet for reasonableness; analyse and explain variances. Prepare ad hoc financial analysis and support management decision-making with financial data. - Controls, Audit, Tax & Compliance: Maintain and continuously improve process, financial, and system controls. Lead the annual Financial Audit and MAS Audit, as well as tax and corporate secretarial matters. Support annual budgeting and periodic forecasting; ensure timely statutory filings (corporate tax, GST, ACRA) in coordination with tax agents and company secretary. Work closely with Compliance to flag suspicious or unusual transactions identified during monitoring. Partner with Technology to enhance system controls and automation, and to resolve system issues. - Team Leadership & Stakeholder Management: Supervise and mentor accounting team (AR & AP); review their work and provide guidance on accounting and reconciliation issues. Liaise with Operations on manual adjustments (top-ups, transaction processing, refunds) requiring approval. Support the CEO with monthly management account summaries and ad hoc data for investor/shareholder meetings. Requirements & Qualifications - Bachelor's degree in Accountancy, Finance, or a related field; professional qualification (e.g. CA Singapore, ACCA, CPA) preferred. - At least 5-8 years of relevant accounting/finance experience, including 2-3 years in a supervisory or managerial capacity. - Prior experience in payments, fintech, banking, or financial services strongly preferred; familiarity with MAS regulatory requirements (e.g. Payment Services Act, AML/CFT) is an advantage. - Strong working knowledge of full-set accounting and month-end closing processes. - Proficiency in Xero or similar accounting systems; strong Excel skills. - Solid understanding of bank reconciliation, treasury/cash management, and internal controls. - Experience managing or mentoring a small team. - High attention to detail, strong analytical and problem-solving skills, and the ability to work under tight deadlines. - Excellent communication skills, with the ability to work cross-functionally across Compliance, Operations, Technology, and senior management. - High level of integrity and discretion, given the nature of handling customer funds and sensitive financial data. - Due to extensive partnerships with China-based counterparties, fluency in Mandarin (written and spoken) will be an added advantage to converse with such counterparties. Preferred / Nice-to-Have - Experience with multi-currency transactions and cross-border payment reconciliation. - Exposure to statutory audit, tax filing, and company secretarial coordination. - Experience working with or supporting a licensed Major Payment Institution or similar regulated entity. - Familiarity with data analysis tools, or willingness to use AI-assisted tools to enhance reporting and analysis efficiency. - Experience in a fast-paced startup or scale-up environment.