Finance Manager Jobs

Plaid

Location:
United Kingdom, London

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

We enable Plaid’s sustainable growth by providing financial insights and raising capital to invest in our business. The team is responsible for the financial management, regulatory reporting, prudential oversight, and safeguarding of customer funds for Plaid’s UK and EU regulated entities. This includes accounting, capital and liquidity monitoring, treasury operations, financial audits, compliance with FCA/DNB requirements, and ensuring robust controls to protect customer funds and maintain regulatory approval to operate. This new role will be the first dedicated in-region Finance Manager & Safeguarding Officer for UK/EU and will operate as the primary on-the-ground owner for our UK and BV entities finance and compliance matters. The role will initially report directly to the US Head of Accounting and work closely with the US Head of GL Accounting, as well as our local UK and BV service providers and our Legal and Compliance teams, to support a smooth EMI application process and ensure ongoing financial and regulatory compliance.

Job Responsibility:

Lead all financial operations for UK/EU entities, including accounting oversight, reconciliations, internal controls, and management reporting
Prepare and maintain monthly/quarterly management accounts, prudential metrics, and capital adequacy reporting
Coordinate annual financial audits across jurisdictions and ensure audit readiness
Ensure consistent application of accounting and prudential standards across UK/EU entities
Manage outsourced UK/BV accounting service providers and partner closely with the US Accounting team to ensure a timely and accurate month-end close
Oversee treasury and liquidity management, ensuring adequate funding and strict segregation of client and corporate funds
Design, operate, and maintain the safeguarding control framework, including daily safeguarding reconciliations and timely investigation of discrepancies
Maintain safeguarding and trust accounts with regulated credit institutions and ensure breaches are logged and escalated appropriately
Prepare and coordinate the annual independent safeguarding audit and track implementation of recommendations
Produce and submit all required regulatory returns, including FCA REP021, FSA056/057 EMI returns, and DNB prudential reports
Develop MI and dashboards for senior management and the Board on safeguarding effectiveness, liquidity, and financial soundness
Support annual wind-down planning, operational resilience testing, and broader prudential compliance requirements
Work closely with Legal, Compliance, and Risk to embed strong financial and safeguarding controls across processes
Liaise with banking partners, auditors, and UK/EU regulatory authorities on financial, prudential, and safeguarding matters
Support cross-border initiatives to ensure consistent safeguarding, liquidity, and prudential practices across the group

Requirements:

Minimum 8 years’ experience in finance, accounting, or treasury within a fintech, payments, or EMI environment
Experience working in a firm authorised by both the FCA and DNB (or other EU regulators)
In-depth understanding of the Electronic Money Regulations (2011), Payment Services Regulations (2017), and equivalent EU frameworks under the PSD2/PSD3 and Wft
Proven experience managing safeguarding reconciliations, prudential calculations, and regulatory returns
Qualified accountant (ACA, ACCA, CIMA, RA, or equivalent)
Strong understanding of multi-currency safeguarding and cross-border finance
Excellent analytical and reporting skills
confident liaising with regulators and auditors
Exceptional attention to detail, integrity, and accountability

Nice to have:

Practical involvement in an EMI licence application or safeguarding audit
Knowledge of wind-down planning, operational resilience, and capital adequacy frameworks
Experience managing banking relationships and payments infrastructure partners

Additional Information:

Job Posted:
December 11, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Finance Manager