Chief Financial Officer

Chief Financial Officer (CFO) – Fintech / EMI London, UK – Hybrid Full-time | Financial Services / Fintech / Payments We are seeking an experienced Chief Financial Officer (CFO) to join a growing FCA-regulated Electronic Money Institution (EMI) in London. This is a senior leadership role with responsibility for the organisation's financial strategy, regulatory financial management, safeguarding, treasury, financial controls and governance. Previous experience within a fintech, EMI or Payment Institution is essential. In particular, we are looking for someone with strong, hands-on knowledge of FCA safeguarding requirements and safeguarding reconciliations. Key Responsibilities

• Lead financial strategy, budgeting, forecasting and financial planning
• Take senior ownership of the organisation's safeguarding framework
• Oversee daily internal and external safeguarding reconciliations and resolution of discrepancies or shortfalls
• Ensure appropriate segregation and protection of customer funds
• Oversee safeguarding accounts and relationships with safeguarding banks
• Maintain robust safeguarding policies, procedures, controls and governance
• Manage FCA regulatory reporting, including relevant financial and safeguarding returns
• Oversee regulatory capital, own funds requirements and liquidity management
• Lead management accounts, statutory reporting, cash-flow forecasting and financial performance reporting
• Manage treasury operations, banking relationships and cash management
• Lead financial audits, safeguarding audits and regulatory reviews
• Strengthen financial controls, accounting processes and governance frameworks
• Provide financial and regulatory insight to the CEO and Board
• Partner closely with Compliance, Risk and Operations
• Build, lead and develop the finance function as the business grows About You You will ideally have:
• Significant senior finance leadership experience as a CFO, Finance Director or Head of Finance
• Strong experience within an FCA-regulated EMI, Payment Institution, payments business or fintech
• Demonstrable hands-on experience with safeguarding, safeguarding reconciliations and customer funds protection
• Strong understanding of FCA requirements applicable to UK payments and e-money businesses
• Knowledge of the Electronic Money Regulations 2011 and Payment Services Regulations 2017
• Experience managing regulatory capital, own funds, liquidity and regulatory financial reporting
• Experience working with safeguarding banks, auditors and regulatory stakeholders
• Strong treasury, financial controls and financial governance expertise
• A recognised professional accounting qualification such as ACA, ACCA, CIMA or equivalent
• Experience providing strategic financial guidance at Board level
• Strong commercial judgement, leadership and stakeholder-management skills This opportunity would suit a commercially minded finance leader who combines traditional CFO capabilities with deep knowledge of the regulatory and operational requirements of the UK fintech and payments sector