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 role will incorporate a wide range of responsibilities on the issuing and acquiring side of Curve. This role will be responsible for implementing data driven strategies that can effectively manage, monitor and improve daily flow of funds reconciliations on the issuing and acquiring side, whilst also being the main point of contact from a finance perspective for our financial integrity team.

The financial integrity team (‘FIT’) is a joint team across finance and data, and is responsible for the development and monitoring of the flow of funds across the issuing and acquiring side of Curve, to effectively ensure that funds received and paid out on a daily basis, are consistent with expectation and any differences are investigated and escalated in a timely manner.

Additionally, the incumbent will support the optimization of the flow of funds from a cost and revenue perspective, which will involve close coordination with our external payment partners and our internal PayTech and data teams.

The role will include performing both advisory and investigative activities and will be a key point of contact for both the business and operational teams regarding the flow of funds (issuing and acquiring sides).

Key Accountabilities:

• Monitors and performs in-depth analysis of reconciliations, deciphering highly complex exceptions between systems, banks, institutions, acquirer and issuer. In some areas of the organisation, it will serve as a finance oversight for the day-to-day reconciliations.
• Deciphers complex exceptions, performing root-cause analysis on why exceptions exist. Analyzes trends in reconciliation data to drive optimisation from a control and profitability perspective.
• Communicates complex break reports to either internal groups within the firm or correspondents outside the firm. Monitor's resolution.
• Assists in daily, weekly and monthly reporting using an understanding of the flow of fund reconciliation process (banks, institutions, acquirer and issuer) and knowledge of basic accounting. Assists with capital and liquidity reporting. For the monthly reporting it would be done at an executive level, via the Executive Risk Committee.
• Participates in testing of new technology solutions or enhancements ensuring that reconciliation processes remain intact.
• Interacts with those at a senior level in other groups to address issues or improvements.
• In most areas, no formal direct reports but often provides guidance to less experienced staff. May be responsible for specific supervisory review and approval actions.
• Impact related to own work, supports and contributes to the achievement of team objectives. In some areas, impact is through direct accountability for the timeliness and quality of assigned FIT work.
• Building effective and collaborative relationships with Data in building out effective reconciliations and monitoring capabilities.

Skills & Experience:

• 2+ years experience in Data Analysis, preferably in a treasury or finance function; ideally with an industry-recognised qualification in this area.
• Experience in preparing regulatory and business reports, being familiar with formal report writing, producing high-quality written reports and summaries.
• Maintain a fluid understanding of best practices and procedures in flow of fund reconciliations.
• Skilled at planning, organising, co-ordinating and working well under pressure and to strict deadlines
• Demonstrate strong investigative and analytical skills, with a keen eye for detail
• Be well-versed in working independently, displaying effective problem-solving and decision-making abilities
• Possess excellent stakeholder management skills and be able to communicate with individuals at all levels of the organisation
• Proven track record of using SQL to manipulate and extract data
• Hands-on experience with data warehouse modelling techniques and ELT data pipelines, data catalogues and data models (ideally with dbt)
• Expertise with business intelligence and data visualisation tools (ideally Looker)

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