Curve was founded with a rebellious spirit, and a lofty vision; to truly simplify your finances, so you can focus on what matters most in life.

That’s why Curve puts your finances simply at your fingertips, so you can make smart choices on how to spend, send, see and save your money. We help you control your financial life, so you can go out and live the life you want to live.

With Curve you can spend from all your accounts, track spend behaviour and provide insights, and security to protect you from fraud. For the first time giving you bright insights and control of all your money in one beautiful place.

We’re developing a ground-breaking product with our customers at the core. Our user base is growing rapidly and we have exceptional metrics. We have funding from the leading names in tech investment, and a visionary leadership team who wants everyone who joins this remarkable adventure, to have the autonomy to masterfully develop their expertise.

Welcome to Curve. On a mission to help you live inspired.

This is a great opportunity to accelerate your career by gaining a wide range of exposure to new challenges working closely with a variety of Curve’s teams and external partners.

You will play a vital role by managing our Treasury Operations; ensuring we have efficient payments & treasury processes in place, as well as robust financial controls. This role is key to developing a ‘best-in-class’ Treasury function, building expertise and optimising processes across Cash & Liquidity Management, FX Risk, Financial Reconciliations and Reporting. This includes the critical operation of safeguarding our customers' funds as Curve is a FCA and BOL (Bank of Lithuania) regulated electronic money institution (‘EMI’).

You will own, optimise and manage all of Curve’s banking relationships and investigate & deploy new banking products related to cash management, FX, investments and various other tools. You’ll be overseeing month end close procedures with a leading role of ensuring that bank reconciliations have been carried out as well as looking to improve financial controls over various operational areas.

You’ll have the opportunity to train & mentor junior members of the team and you will be a point of support for the Payment & Treasury Operations Analysts for queries relating to their work and connecting them to various finance team members when necessary to support with concept understanding. You’ll also be a key finance touch point for the various departments within Curve.

From a Payment Operations point of view, you will be assisting our Paytech Team in triaging fixes. There will also be several longer term initiatives dedicated to improving our unit economics by reducing our payment processing costs and optimising configurations within the payment processing chain. The day-to-day working relationships outside of Finance & Operations will be with our Data, Paytech & Compliance Team, as well as our external payment partners.

Key Accountabilities:

• Cash management; Leading the global short term cash flow forecasting process to identify and proactively manage the global cash needs of all the business.
• Treasury operations; overseeing the day-to-day operations of preparing, reviewing and/or authorising daily settlements & FX trades and liaising with banking partners on payment queries or problems.
• Be a trusted advisor to the business, supporting new product launches, designing reporting capabilities and advising on appropriate risk appetite.
• Leading a team of two analysts and being responsible for developing and instituting best practices including governance, frameworks, policies, and guidelines demonstrating a well-managed Treasury function.
• Undertake complex scenario modelling to anticipate settlement inflows/ outflows and plan effectively.
• Design & automate financial control & bank reconciliation processes and ensure end-to-end review & validation of settlement flows. This covers oversight of the enhancement of daily reconciliations within our financial integrity workstreams, which involves working closely with our data engineers, as we aim to optimise and improve current processes through automation.
• Be responsible for oversight of the daily safeguarding compliance as a regulated electronic money institution (‘EMI’) and develop any required enhancements to the processes and/or policies to satisfy regulatory requirements.
• Manage and lead safeguarding related audits working directly with audit firms and regulators, whilst coordinating internally across various departments.
• Support the ongoing development of key financial reporting and metric tracking.
• Core payments support, partnering with paytech & customer experience teams to troubleshoot problems and defects.
• Manage banking partner relationships; ensure portfolio of accounts fit for purpose, own & produce returns and lead commercial negotiations.
• Costs and revenue optimisation, with a focus on improving Curve’s unit economics.
• Keep on track of control remediation findings and also monitor the progress for internal and external audit actions to ensure they are completed on time and actions are adequate to mitigate the inherent risk identified.
• Key point of contact for the financial statement auditors looking for information relating to company bank statements and proof of payments or transfers.

Skills & Experience:.

• 4+ years experience in either Treasury, Financial, Regulatory or Payment Operations.
• Strong understanding of protection/custodianship of customer assets and related regulatory frameworks (e.g. EMI/PI Safeguarding, CASS or banking)
• Good all-round understanding of card payment processes
• Detailed understanding of transaction flows within a complex payment chain
• Experience designing, automating and running treasury processes
• Experience running/ designing reconciliation and control processes
• A proactive, tenacious, task-focused problem solver, who excels in building robust processes that scale, and not afraid to roll up sleeves and take responsibility to do whatever needs to be done to solve problems.
• Excellent analytical and spreadsheet skills. Excellent written and presentation skills
• Experience of bank reconciliation
• Netsuite experience desirable but not essential



Benefits:

• 25 days plus bank holidays
• Bonus days off for Learning & Development, Mental Wellbeing, Birthday, Moving House & Christmas
• Working abroad policy (up to 60 calendar days per year)
• Bupa Health Insurance (YuLife)
• Life insurance powered by AIG (5x Annual Salary)
• Pension Scheme powered by “People’s Pension” (4% Matched)
• EAP (Mental health & wellbeing support, Life coach, Career coach)
• 24/7 GP access (Smart Health via YuLife)
• Annual subscriptions to Meditopia & FIIT for your mind and body (via YuLife)
• Discounted shopping vouchers (via YuLife)
• Enhanced parental leave
• Ride to work scheme & Season ticket loan
• Electric car scheme
• Six nights of Night Nanny for new parents
• Free Curve Metal subscription for you and your +1