About ZEN.COM
ZEN.COM is a financial app for payments, online shopping, and personal finance management. It offers cashback, spending controls, purchase protection, and a multi-currency account for international spending and shopping.
Responsibilities
•Develop annual budgets and financial forecasts
•Monitor financial performance against budget
•Manage cash flow forecasting and liquidity
•Produce financial analysis to support strategic decision-making
•Analyze profitability across products and business lines
•Ensure compliance with FCA requirements for Electronic Money Institutions, including Own Funds calculations, capital adequacy monitoring, wind-down financial planning, and regulatory reporting
•Support the preparation of FCA regulatory returns
•Oversee daily safeguarding reconciliations and take responsibility for them
•Monitor the segregation of safeguarded client funds
•Review safeguarding calculations
•Escalate safeguarding exceptions
•Ensure safeguarding records are complete and auditable
•Support safeguarding audits and regulatory reviews
•Maintain an effective financial control framework and foster a strong control culture across finance processes
•Ensure accounting records are accurate
•Oversee month-end and year-end close
•Monitor liquidity
•Manage banking relationships
•Forecast funding requirements
•Oversee supplier and operational expense payments
•Optimize working capital while meeting regulatory obligations
•Prepare annual statutory accounts
•Coordinate external audits and manage relationships with external auditors
•Ensure timely Companies House filings
•Ensure compliance with accounting standards
Requirements
•Qualified accountant (ACA, ACCA, CIMA, or equivalent)
•Significant post-qualification experience in financial services
•Experience in an FCA-regulated EMI, Payment Institution (PI), or banking environment
•Strong understanding of Electronic Money Regulations 2011, Payment Services Regulations 2017, the FCA Handbook, safeguarding requirements, and prudential requirements for EMIs
•Experience producing Board-level financial reports and managing external audits
•Strong treasury and liquidity management experience
•Excellent knowledge of UK accounting standards (IFRS or UK GAAP)
•Experience implementing financial controls
•Strong commercial acumen
•Ability to make decisions under pressure
•Stakeholder management skills
Nice to have
•Experience with payment processing businesses
•Experience with safeguarding reconciliations
•Experience supporting FCA supervisory engagements
•Experience scaling fintech organizations
•Knowledge of AML financial controls and operational resilience
Conditions
•Competitive salary
•Flexible working conditions
•Internal and external training opportunities
