TodaPay

1. Purpose of the Request

We request approval to hire a Reconciliation Specialist to support daily and monthly reconciliation processes across acquiring and payout operations within a crypto-fiat payment processing environment. The role is required to strengthen financial control, improve reconciliation accuracy, reduce operational risks, and ensure timely financial reporting for merchants, providers, Treasury, KAM, Business Development, and management teams.

2. Business Justification

• The volume of provider-merchant reconciliation streams requires dedicated operational ownership and timely daily control.
• The company needs consistent verification of provider reports, internal processing data, merchant balances, fees, refunds, chargebacks, rolling reserves, and payout settlements.
• Accurate reconciliation is critical for financial transparency, liquidity planning, margin control, and merchant reporting.
• Hiring this role will reduce dependency on senior finance resources for routine reconciliation tasks and allow the Head of Reconciliation / CFO to focus on controls, models, automation, and strategic finance topics.
• The position will help identify recurring discrepancies, improve documentation, and support further automation of reconciliation workflows.

3. Role Summary

The Reconciliation Specialist will be responsible for performing reconciliation of transaction data, settlement calculations, provider reports, merchant balances, fees, rolling reserves, refunds, chargebacks, and payouts. The employee will work closely with Finance, Treasury, KAM, Business Development, and Operations teams to ensure accurate financial data and stable financial flows between payment providers, merchants, and internal systems.

4. Key Responsibilities

• Perform regular reconciliation of transactions across payment providers, merchants, and internal processing platforms.
• Reconcile acquiring and payout flows, including turnover, fees, settlements, refunds, chargebacks, and rolling reserves.
• Compare provider reports with internal system data and identify discrepancies.
• Investigate and resolve reconciliation differences in cooperation with relevant teams.
• Support settlement calculations and verify payable amounts based on commercial terms, fees, FX rates, and settlement periods.
• Monitor merchant and provider balances, settlements, payouts, deductions, and adjustments.
• Track rolling reserve accruals, releases, adjustments, crypto conversions, and wallet transfers where applicable.
• Prepare financial data for monthly and annual merchant reports.
• Support Treasury with validation of provider balances and settlement schedules.
• Provide financial data, margin calculations, fee checks, and ad hoc reports for KAM, Business Development, and management.
• Maintain clear documentation of reconciliation logic, workflows, data sources, and recurring issues.
• Support process improvement and automation initiatives for reconciliation files, reports, and calculation templates.

5. Candidate Requirements

• 1-3+ years of experience in financial reconciliation, settlement operations, payment operations, treasury support, accounting, or finance operations.
• Experience in fintech, payment processing, acquiring, e-commerce, or crypto payments is preferred.
• Understanding of transaction flows, settlements, fees, refunds, chargebacks, balances, and rolling reserves.
• Strong Excel / Google Sheets skills, including formulas, pivot tables, lookups, and reconciliation files.
• Ability to work with large datasets and identify discrepancies.
• Experience with multi-currency transactions and FX calculations.
• High attention to detail, numerical accuracy, analytical thinking, and structured task management.
• Good communication skills and ability to cooperate with Finance, Treasury, KAM, Business Development, and Operations teams.
• Experience with Corefy or similar processing platforms, BI tools, APIs, or automated reporting tools will be an advantage.

6. Selection Criteria

• Strong practical Excel / Google Sheets skills and ability to pass a reconciliation test task.
• Ability to explain discrepancies clearly and propose next steps for resolution.
• Understanding of payment settlement logic, fees, reserves, refunds, chargebacks, and FX impact.
• Accuracy, responsibility, and ability to work with repetitive but high-risk financial tasks.

Comfortable working in a fast-paced fintech environment with urgent operational 

We are looking for an experienced and commercially strong Senior Account Manager to join our team and take ownership of strategic merchant relationships within the fintech / payments space.

This role is focused on managing and growing existing B2B merchant accounts, supporting merchant performance, expanding payment solutions, and acting as a key partner for clients across operational, commercial, and strategic matters.

 The ideal candidate has a strong background in account management within PSP / acquiring / payment environments, understands the logic of high-risk industries, and is comfortable working in a fast-paced, cross-functional international environment.

Requirements

 We are looking for someone who has:

• 4+ years of experience in Account Management / Partnerships / Merchant Success

within fintech / PSP / acquiring / payments

• Strong hands-on experience working with high-risk industries, such as:
• gambling
• betting
• forex
• Solid understanding of:
• payment processing
• APMs
• card acquiring
• payment flows
• Proven experience managing B2B clients and strategic merchant accounts
• Strong commercial mindset and client-facing communication skills
• Ability to manage multiple stakeholders and internal teams simultaneously
• High level of ownership, accountability, and business maturity
• Fluent English (written and spoken, Upper-Intermediate+ / Advanced)

Will Be a Strong Advantage

• Experience in international payment environments
• Experience working with multi-GEO merchants
• Strong understanding of payment optimization and merchant performance drivers
• Experience in fast-paced, scaling fintech or startup environments

What We Expect in This Role

The successful candidate will be someone who:

• builds strong and trusted merchant relationships
• understands both commercial and operational aspects of client success
• can work independently and drive accounts forward
• proactively solves issues rather than only reacting to them
• understands the realities of high-risk payments
• is able to combine client partnership, commercial thinking, and execution.

Responsibilities

Account Management & Client Relations

• Manage and develop relationships with assigned B2B merchant accounts
• Take ownership of strategic merchants transferred from the Sales team
• Build long-term partnerships and act as the main point of contact for merchants
• Maintain regular communication with clients through written and verbal channels
• Ensure a high level of client satisfaction, trust, and partnership quality

Merchant Growth & Payment Optimization

• Identify merchant needs and offer relevant solutions from the company’s payment product portfolio
• Support merchant growth by launching new payment methods, improving setups, and expanding into new GEOs
• Develop and drive growth plans for key merchant accounts
• Proactively identify areas for commercial and operational improvement

Performance Monitoring

• Monitor key payment performance metrics, including:
• transaction volume
• conversion rates
• payment performance indicators
• Analyze merchant performance and identify opportunities for optimization
• Work with internal teams to improve account efficiency and payment results

Operational Coordination

• Coordinate merchant onboarding and payment solution launches
• Ensure smooth cross-functional cooperation with:
• Tech
• Support
• Risk
• Compliance
• Finance
• Legal
• Handle complex client escalations and ensure timely resolution
• Maintain strong operational control over merchant-related processes

 Commercial Development

• Prepare commercial proposals and support negotiations with existing merchants
• Identify upsell and cross-sell opportunities within existing accounts
• Contribute to merchant retention and long-term revenue growth
• Support the company’s commercial strategy through strong account ownership

Accountant
Finance Department — Toda Pay
Full-time | Remote / Hybrid | Reports to CFO
 

About Toda Pay
Toda Pay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.
We are looking for a detail-oriented and proactive Accountant to join our Finance team and support core accounting operations, financial reporting, payroll processing, and coordination with external accountants and auditors across jurisdictions.
 

Position Overview
The Accountant will be responsible for executing core accounting and finance operations including payroll management, vendor invoice processing, reconciliations, month-end close, budgeting support, regulatory compliance, and audit coordination.
This role requires strong attention to detail, ability to work with multi-currency and crypto transactions, and experience operating in a fast-paced fintech environment with multiple legal entities.
 

Key Responsibilities
Payroll Management

• • Process monthly payroll for 50+ contractors across multiple currencies (EUR, USD, GBP, crypto)
• • Extract payroll data from HRIS systems (PeopleForce) and prepare payroll registers
• • Calculate multi-currency conversions using approved FX rates
• • Process crypto payroll payments (wallet validation, network selection, fee calculations)
• • Coordinate with Treasury for payroll execution
• • Prepare payroll variance analysis (budget vs actual)

Accounts Payable & Vendor Management

• • Review and validate vendor invoices against contracts and purchase orders
• • Reconcile provider fees using invoices and system/API data exports
• • Identify discrepancies and coordinate resolution with providers
• • Obtain CFO approvals and submit invoices for payment scheduling
• • Maintain vendor master data in accounting systems

Month-End Close & Financial Reporting

• • Perform bank and wallet reconciliations
• • Record accruals for unpaid invoices, salaries, and expenses
• • Prepare adjusting journal entries
• • Support CFO in preparation of P&L, Balance Sheet, and Cash Flow statements
• • Ensure month-end close completion by the 5th of the following month
• • Prepare supporting schedules and management reporting analysis

Budgeting & Planning Support

• • Support CFO in annual budgeting process
• • Collect budget inputs from department heads
• • Consolidate departmental budgets into company-wide financial model
• • Prepare monthly budget vs actual analysis
• • Investigate and document variances exceeding thresholds (>10%)
• • Track budget reallocations and maintain audit trail

External Accountants & Auditors Coordination

• • Act as primary liaison with external accounting firms across jurisdictions
• • Provide monthly financial data for statutory reporting
• • Review statutory accounts prepared by external accountants
• • Coordinate annual audit process
• • Prepare audit schedules and supporting documentation (PBC lists)
• • Respond to auditor requests and track audit recommendations

Regulatory Compliance & Statutory Filings

• • Ensure compliance with local GAAP / IFRS standards
• • Prepare or coordinate VAT/GST filings
• • Coordinate corporate tax submissions across jurisdictions
• • File annual accounts with local registrars (Companies House, etc.)
• • Prepare transfer pricing documentation where required
• • Monitor regulatory deadlines and maintain compliance calendar

Intercompany Transactions

• • Record intercompany loans, fees, and settlements
• • Perform intercompany reconciliations
• • Prepare elimination entries for consolidated financial statements

Process Improvement & Documentation

• • Identify automation opportunities in accounting processes
• • Document standard operating procedures (SOPs)
• • Maintain proper documentation for all transactions
• • Collaborate with Finance team on system improvements

Requirements
Education & Experience

• • Bachelor’s degree in Accounting, Finance, or related field
• • 4–6 years of accounting experience (fintech or payments industry preferred)
• • Professional certification (ACCA, CPA, or equivalent) is a plus

Technical Skills

• • Strong knowledge of accounting principles (IFRS / GAAP)
• • Experience with statutory reporting and regulatory compliance
• • Understanding of VAT/GST and corporate taxation
• • Advanced Excel skills
• • Experience with accounting software (QuickBooks, Xero, NetSuite, or similar)
• • Multi-currency accounting experience
• • Understanding of cryptocurrency transactions is a plus
• • Experience with HRIS systems (PeopleForce, BambooHR, etc.)
• • Experience working with external auditors and accountants

Soft Skills

• • Exceptional attention to detail and accuracy
• • Strong organizational and time management skills
• • Ability to manage multiple deadlines across jurisdictions
• • Excellent communication skills
• • Proactive problem-solving mindset
• • Ability to work in a fast-paced environment

Language Requirements

• • Fluent English (written and spoken)
• • Russian / Ukrainian / Spanish — a plus

What We Offer

• • Opportunity to work in a fast-growing international fintech company
• • Exposure to multi-jurisdiction financial operations
• • Remote / hybrid flexibility
• • Professional growth opportunities
• • Collaborative team culture

Chief Financial Officer (CFO)

Fintech / Payments / High-Risk | EU Structure

We are looking for a strong, hands-on Chief Financial Officer to lead the financial function in a fast-growing fintech company operating in payments, acquiring, and high-risk segments across multiple jurisdictions.

This is a key C-level role with direct impact on:

• financial architecture of the business

• liquidity and cash flow management

• financial transparency and control

• collaboration with Risk, Compliance, and Operations

• long-term scalability of the company

You will work directly with the CEO and executive team, helping shape a transparent, resilient, and scalable financial system.

Key Responsibilities

Financial Architecture & Structure

• Build and optimize the financial architecture of a multi-jurisdictional business structure

• Design and control fund flows between legal entities, providers, and partners

• Ensure alignment with regulatory, contractual, and tax requirements

• Support the development of a scalable and sustainable financial model for the business

Liquidity & Cash Flow Management (Fiat + Crypto)

• Manage daily liquidity across multiple payment flows

• Oversee payment calendars, balances, obligations, limits, and settlements

• Monitor and mitigate risks such as:

• liquidity gaps

• settlement delays

• FX exposure

• blocked or reserved funds

• Build financial scenarios and forecasting models (base / stress / growth cases)

Reconciliation & Financial Control

• Oversee and improve end-to-end reconciliation processes

• Ensure data accuracy across:

• transactions

• fees

• FX rates

• conversions

• settlements

• Identify anomalies, financial inefficiencies, margin leakage, and operational blind spots

Accounting, Reporting & Intercompany

• Build and manage intercompany financial models (loans, service agreements, fees, licensing)

• Supervise external accounting and financial reporting processes

• Ensure tax compliance and support transfer pricing logic where relevant

• Maintain financial discipline and reporting accuracy across jurisdictions

FP&A & Management Reporting

• Own and manage:

• P&L

• Cash Flow

• unit economics

• Lead budgeting, forecasting, and variance analysis

• Build clear management reporting and dashboards for leadership

• Provide the CEO with high-quality financial visibility and decision support

Cross-Functional Partnership

• Work closely with Risk, Compliance, Operations, Legal, and Business teams

• Integrate financial logic into key business and risk decisions

• Support topics related to:

• AML / KYT / Fraud

• reserves and rolling reserves

• chargebacks

• fund blocking and settlement exposure

Process Building & Automation

• Build transparent and scalable financial processes

• Document workflows and establish internal controls

• Introduce automation and improve auditability across the finance function

• Bring structure and clarity into complex financial operations

Requirements

Must-have

• 1.5+ years of experience in fintech / payments / acquiring

• Mandatory experience in high-risk segments

• Experience working in PSP / EMI / acquiring environments

• Strong understanding of international payment flows

• Experience with multi-jurisdictional business structures

• Hands-on experience with reconciliation and settlement processes

• Strong understanding of liquidity and operational finance in payments

• Ability to work both strategically and operationally

Nice to have

• Experience with crypto payments or hybrid fiat/crypto models

• Understanding of safeguarding / segregation of funds

• Experience with:

• chargebacks

• rolling reserves

• settlement risk

• Experience in regulated environments (EU / UK)

Leadership Competencies

• Strong leadership skills and ability to own the finance function end-to-end

• Experience building or developing teams across:

• Treasury

• Accounting

• FP&A

• Reconciliation

• Ability to collaborate cross-functionally with senior stakeholders
• Strong decision-making skills in a fast-changing, high-growth environment

• Strategic thinking with a deep understanding of how finance impacts the business

• High level of ownership, accountability, and business maturity

• Ability to structure complexity and create order in dynamic systems

• Strong communication skills and ability to translate financial logic into business decisions

⸻

Success in This Role Looks Like

• Stable and well-managed liquidity

• Transparent and accurate financial reporting

• No critical reconciliation or settlement errors

• Clear financial visibility for leadership

• Scalable, well-structured financial processes

• Strong partnership between Finance and the rest of the business

⸻

What We Offer

• C-level role with real business impact

• Direct collaboration with the CEO and executive team

• Opportunity to shape and build the finance function

• Fast-growing and ambitious fintech environment

• Flexible work format

• High ownership, visibility, and influence on strategic decisions

Accountant
Finance Department — Toda Pay
Full-time | Remote / Hybrid | Reports to CFO
 

About Toda Pay
Toda Pay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.
We are looking for a detail-oriented and proactive Accountant to join our Finance team and support core accounting operations, financial reporting, payroll processing, and coordination with external accountants and auditors across jurisdictions.
 

Position Overview
The Accountant will be responsible for executing core accounting and finance operations including payroll management, vendor invoice processing, reconciliations, month-end close, budgeting support, regulatory compliance, and audit coordination.
This role requires strong attention to detail, ability to work with multi-currency and crypto transactions, and experience operating in a fast-paced fintech environment with multiple legal entities.
 

Key Responsibilities

• Payroll Management
• Process monthly payroll for 50+ contractors across multiple currencies (EUR, USD, GBP, crypto)
• Extract payroll data from HRIS systems (PeopleForce) and prepare payroll registers
• Calculate multi-currency conversions using approved FX rates
• Process crypto payroll payments (wallet validation, network selection, fee calculations)
• Coordinate with Treasury for payroll execution
• Prepare payroll variance analysis (budget vs actual)
• Experience working with high-risk industries (including crypto / fintech / gambling / etc.)
   

Accounts Payable & Vendor Management

• Review and validate vendor invoices against contracts and purchase orders
• Reconcile provider fees using invoices and system/API data exports
• Identify discrepancies and coordinate resolution with providers
• Obtain CFO approvals and submit invoices for payment scheduling
• Maintain vendor master data in accounting systems

Month-End Close & Financial Reporting

• Perform bank and wallet reconciliations
• Record accruals for unpaid invoices, salaries, and expenses
• Prepare adjusting journal entries
• Support CFO in preparation of P&L, Balance Sheet, and Cash Flow statements
• Ensure month-end close completion by the 5th of the following month
• Prepare supporting schedules and management reporting analysis

Budgeting & Planning Support

• Support CFO in annual budgeting process
• Collect budget inputs from department heads
• Consolidate departmental budgets into company-wide financial model
• Prepare monthly budget vs actual analysis
• Investigate and document variances exceeding thresholds (>10%)
• Track budget reallocations and maintain audit trail

External Accountants & Auditors Coordination

• Act as primary liaison with external accounting firms across jurisdictions
• Provide monthly financial data for statutory reporting
• Review statutory accounts prepared by external accountants
• Coordinate annual audit process
• Prepare audit schedules and supporting documentation (PBC lists)
• Respond to auditor requests and track audit recommendations

Regulatory Compliance & Statutory Filings

• Ensure compliance with local GAAP / IFRS standards
• Prepare or coordinate VAT/GST filings
• Coordinate corporate tax submissions across jurisdictions
• File annual accounts with local registrars (Companies House, etc.)
• Prepare transfer pricing documentation where required
• Monitor regulatory deadlines and maintain compliance calendar

Intercompany Transactions

• Record intercompany loans, fees, and settlements
• Perform intercompany reconciliations
• Prepare elimination entries for consolidated financial statements

Process Improvement & Documentation

• Identify automation opportunities in accounting processes
• Document standard operating procedures (SOPs)
• Maintain proper documentation for all transactions
• Collaborate with Finance team on system improvements

Requirements
Education & Experience

• Bachelor’s degree in Accounting, Finance, or related field
• 4–6 years of accounting experience (fintech or payments industry preferred)
• Professional certification (ACCA, CPA, or equivalent) is a plus

Technical Skills

• Strong knowledge of accounting principles (IFRS / GAAP)
• Experience with statutory reporting and regulatory compliance
• Understanding of VAT/GST and corporate taxation
• Advanced Excel skills
• Experience with accounting software (QuickBooks, Xero, NetSuite, or similar)
• Multi-currency accounting experience
• Understanding of cryptocurrency transactions is a plus
• Experience with HRIS systems (PeopleForce, BambooHR, etc.)
• Experience working with external auditors and accountants

Soft Skills

• Exceptional attention to detail and accuracy
• Strong organizational and time management skills
• Ability to manage multiple deadlines across jurisdictions
• Excellent communication skills
• Proactive problem-solving mindset
• Ability to work in a fast-paced environment

Language Requirements

• Fluent English (written and spoken)
• Russian / Ukrainian / Spanish — a plus

What We Offer

• Opportunity to work in a fast-growing international fintech company
• Exposure to multi-jurisdiction financial operations
• Remote / hybrid flexibility
• Professional growth opportunities
• Collaborative team culture

About the role

We are looking for a Senior Data Engineer / Data Analyst to become a key link between data and product decisions. You will work with transactional data from a payment platform, build reliable analytics infrastructure, and turn raw data into business insights for C-level and the product team. This role combines deep technical data work (pipelines, DWH, modeling) with product analytics (approval rate,
fraud patterns, A/B tests). The ideal candidate is equally comfortable writing optimized SQL queries and explaining complex patterns to a non-technical audience.

This role combines:

• data engineering (DWH, pipelines, modeling)

• product analytics (metrics, A/B tests, fraud patterns)

   

What you will do

🔹 Data Engineering

• Build and maintain DWH for transactional data
• Develop ETL/ELT pipelines (dbt / Airflow / scripts)
• Design data models (fact/dimension tables)
• Ensure data quality, monitoring, and performance optimization

🔹 Product & Business Analytics

• Analyze key metrics:
  • Approval / Decline Rate
  • Chargebacks / Refunds
  • Fraud patterns
  • PSP performance
• Build dashboards (Metabase / Tableau / etc.)
• Run A/B tests and analyze product changes
• Deliver insights to product and leadership

🔹 Routing & Fraud Analytics

• Analyze routing efficiency
• Identify fraud patterns (velocity, geo, BIN)
• Propose improvements for routing logic

🔹 Collaboration

• Translate business needs into data solutions
• Communicate insights clearly to non-technical teams

• Proactively identify anomalies and opportunities

   

Requirements

🔹 Must-have

• Strong SQL (complex queries, optimization)
• Experience with PostgreSQL / ClickHouse / BigQuery
• Python for analytics (pandas, numpy)
• Experience with dbt / Airflow (or similar tools)
• Experience with BI tools (Metabase, Tableau, etc.)
• Understanding of A/B testing and statistics
• 3+ years in Data Analyst / Data Engineer role
• Experience with transactional / financial data

🔹 Nice to have

• Experience in fintech / PSP / acquiring
• Fraud analytics experience
• Kafka / streaming
• Understanding of PCI DSS / GDPR

What we offer

• Work with real transactional data from a payment platform — challenging and rewarding
• Direct influence on product decisions through data
• Modern stack: ClickHouse / BigQuery, dbt, Python, Airflow
• C-level access — your insights go directly to leadership
• Flexible work format: Remote / Hybrid
• Competitive compensation + salary review every 12 months
• Budget for education and conferences (Data Engineering, Payments)
• A team with deep fintech and high-risk vertical experience

About the role

We are a fast-growing Payment Service Provider (PSP) working in the high-risk fintech segment.

Right now, we are building a new unified payment platform, consolidating several existing systems into one scalable solution.

We are looking for a Business Analyst who will play a key role at the intersection of business, product, and engineering — translating complex payment processes into clear and actionable specifications.

 What you will do

🔹 Requirements & Documentation

• Gather business requirements from stakeholders (product, risk, compliance, merchants)
• Write clear specifications, user stories, and acceptance criteria
• Model business processes (BPMN 2.0, AS-IS / TO-BE)
• Maintain documentation (Confluence / Notion)

🔹 Payment Processes

• Describe and optimize payment flows:
  • authorization
  • settlement
  • refunds
  • chargebacks
• Analyze transaction routing logic (smart routing, waterfall)
• Support integrations with PSPs and acquirers (REST API)
• Participate in platform consolidation and migration

🔹 Collaboration

• Work closely with Product, Engineering, and QA
• Participate in Agile ceremonies (grooming, planning, demos)
• Align with compliance and risk teams (PCI DSS, AML/KYC)

• Prepare materials for internal teams and merchants

   

 Requirements

🔹 Must-have

• 3+ years as Business Analyst / Systems Analyst
• Experience in fintech / payments / banking
• Strong understanding of payment lifecycle
  (authorization → capture → settlement → reconciliation)
• Experience working with REST APIs (Postman / Swagger)
• BPMN / UML knowledge
• Experience with Agile / Scrum
• Strong English communication skills

🔹 Nice to have

• Experience with PSP / acquiring / PayFac
• Knowledge of ISO 8583 / ISO 20022
• Experience with chargebacks / disputes / rolling reserves

• Experience in platform migration projects

   

What we offer

• Work on a real fintech product in the high-risk domain
• Participation in building a scalable payment platform
• Close collaboration with product and tech teams
• Flexible work format (remote / hybrid)
• Opportunity to influence product decisions
• Professional growth in fintech

Senior Account Manager

Fintech / Payments / High-Risk

About the Role

We are looking for an experienced and commercially strong Senior Account Manager to join our team and take ownership of strategic merchant relationships within the fintech / payments space.

This role is focused on managing and growing existing B2B merchant accounts, supporting merchant performance, expanding payment solutions, and acting as a key partner for clients across operational, commercial, and strategic matters.

The ideal candidate has a strong background in account management within PSP / acquiring / payment environments, understands the logic of high-risk industries, and is comfortable working in a fast-paced, cross-functional international environment.

⸻

Key Responsibilities

Account Management & Client Relations

• Manage and develop relationships with assigned B2B merchant accounts

• Take ownership of strategic merchants transferred from the Sales team

• Build long-term partnerships and act as the main point of contact for merchants

• Maintain regular communication with clients through written and verbal channels

• Ensure a high level of client satisfaction, trust, and partnership quality

Merchant Growth & Payment Optimization

• Identify merchant needs and offer relevant solutions from the company’s payment product portfolio

• Support merchant growth by launching new payment methods, improving setups, and expanding into new GEOs

• Develop and drive growth plans for key merchant accounts

• Proactively identify areas for commercial and operational improvement

Performance Monitoring

• Monitor key payment performance metrics, including:

• transaction volume

• conversion rates

• payment performance indicators

• Analyze merchant performance and identify opportunities for optimization

• Work with internal teams to improve account efficiency and payment results

Operational Coordination

• Coordinate merchant onboarding and payment solution launches

• Ensure smooth cross-functional cooperation with:

• Tech

• Support

• Risk

• Compliance

• Finance

• Legal

• Handle complex client escalations and ensure timely resolution

• Maintain strong operational control over merchant-related processes

Commercial Development

• Prepare commercial proposals and support negotiations with existing merchants

• Identify upsell and cross-sell opportunities within existing accounts

• Contribute to merchant retention and long-term revenue growth

• Support the company’s commercial strategy through strong account ownership

⸻

Requirements

We are looking for someone who has:

• 4+ years of experience in Account Management / Partnerships / Merchant Success

within fintech / PSP / acquiring / payments

• Strong hands-on experience working with high-risk industries, such as:

• gambling

• betting

• forex

• Solid understanding of:

• payment processing

• APMs

• card acquiring

• payment flows

• Proven experience managing B2B clients and strategic merchant accounts

• Strong commercial mindset and client-facing communication skills

• Ability to manage multiple stakeholders and internal teams simultaneously

• High level of ownership, accountability, and business maturity

• Fluent English (written and spoken, Upper-Intermediate+ / Advanced)

⸻

Will Be a Strong Advantage

• Experience in international payment environments

• Experience working with multi-GEO merchants

• Strong understanding of payment optimization and merchant performance drivers

• Experience in fast-paced, scaling fintech or startup environments

⸻

What We Expect in This Role

The successful candidate will be someone who:

• builds strong and trusted merchant relationships

• understands both commercial and operational aspects of client success

• can work independently and drive accounts forward

• proactively solves issues rather than only reacting to them

• understands the realities of high-risk payments

• is able to combine client partnership, commercial thinking, and execution.

Chief Financial Officer (CFO)

Fintech / Payments / High-Risk | EU Structure

We are looking for a strong, hands-on Chief Financial Officer to lead the financial function in a fast-growing fintech company operating in payments, acquiring, and high-risk segments across multiple jurisdictions.

This is a key C-level role with direct impact on:

• financial architecture of the business

• liquidity and cash flow management

• financial transparency and control

• collaboration with Risk, Compliance, and Operations

• long-term scalability of the company

You will work directly with the CEO and executive team, helping shape a transparent, resilient, and scalable financial system.

⸻

Key Responsibilities

Financial Architecture & Structure

• Build and optimize the financial architecture of a multi-jurisdictional business structure

• Design and control fund flows between legal entities, providers, and partners

• Ensure alignment with regulatory, contractual, and tax requirements

• Support the development of a scalable and sustainable financial model for the business

Liquidity & Cash Flow Management (Fiat + Crypto)

• Manage daily liquidity across multiple payment flows

• Oversee payment calendars, balances, obligations, limits, and settlements

• Monitor and mitigate risks such as:

• liquidity gaps

• settlement delays

• FX exposure

• blocked or reserved funds

• Build financial scenarios and forecasting models (base / stress / growth cases)

Reconciliation & Financial Control

• Oversee and improve end-to-end reconciliation processes

• Ensure data accuracy across:

• transactions

• fees

• FX rates

• conversions

• settlements

• Identify anomalies, financial inefficiencies, margin leakage, and operational blind spots

Accounting, Reporting & Intercompany

• Build and manage intercompany financial models (loans, service agreements, fees, licensing)

• Supervise external accounting and financial reporting processes

• Ensure tax compliance and support transfer pricing logic where relevant

• Maintain financial discipline and reporting accuracy across jurisdictions

FP&A & Management Reporting

• Own and manage:

• P&L

• Cash Flow

• unit economics

• Lead budgeting, forecasting, and variance analysis

• Build clear management reporting and dashboards for leadership

• Provide the CEO with high-quality financial visibility and decision support

Cross-Functional Partnership

• Work closely with Risk, Compliance, Operations, Legal, and Business teams

• Integrate financial logic into key business and risk decisions

• Support topics related to:

• AML / KYT / Fraud

• reserves and rolling reserves

• chargebacks

• fund blocking and settlement exposure

Process Building & Automation

• Build transparent and scalable financial processes

• Document workflows and establish internal controls

• Introduce automation and improve auditability across the finance function

• Bring structure and clarity into complex financial operations

⸻

Requirements

Must-have

• 1.5+ years of experience in fintech / payments / acquiring

• Mandatory experience in high-risk segments

• Experience working in PSP / EMI / acquiring environments

• Strong understanding of international payment flows

• Experience with multi-jurisdictional business structures

• Hands-on experience with reconciliation and settlement processes

• Strong understanding of liquidity and operational finance in payments

• Ability to work both strategically and operationally

Nice to have

• Experience with crypto payments or hybrid fiat/crypto models

• Understanding of safeguarding / segregation of funds

• Experience with:

• chargebacks

• rolling reserves

• settlement risk

• Experience in regulated environments (EU / UK)

⸻

Leadership Competencies

• Strong leadership skills and ability to own the finance function end-to-end

• Experience building or developing teams across:

• Treasury

• Accounting

• FP&A

• Reconciliation

• Ability to collaborate cross-functionally with senior stakeholders
• Strong decision-making skills in a fast-changing, high-growth environment

• Strategic thinking with a deep understanding of how finance impacts the business

• High level of ownership, accountability, and business maturity

• Ability to structure complexity and create order in dynamic systems

• Strong communication skills and ability to translate financial logic into business decisions

⸻

Success in This Role Looks Like

• Stable and well-managed liquidity

• Transparent and accurate financial reporting

• No critical reconciliation or settlement errors

• Clear financial visibility for leadership

• Scalable, well-structured financial processes

• Strong partnership between Finance and the rest of the business

⸻

What We Offer

• C-level role with real business impact

• Direct collaboration with the CEO and executive team

• Opportunity to shape and build the finance function

• Fast-growing and ambitious fintech environment

• Flexible work format

• High ownership, visibility, and influence on strategic decisions

About the Role
We are looking for a skilled DevOps Engineer to join our engineering team. In this role, you will be
responsible for designing, building, and maintaining scalable and reliable infrastructure, enabling
efficient development and delivery processes. You will work closely with engineering, QA, and
product teams to ensure high system availability, performance, and security.
Key Responsibilities
• Design, implement, and maintain cloud infrastructure using AWS and/or GCP.
• Build and manage Infrastructure as Code (IaC) using tools such as Terraform or
CloudFormation.
• Develop and maintain CI/CD pipelines to support automated build, test, and deployment
processes.
• Ensure high availability, scalability, and reliability of production systems.
• Monitor system performance, logs, and alerts; proactively identify and resolve issues.
• Collaborate with development teams to improve deployment processes and system
architecture.
• Implement and maintain containerization and orchestration solutions (e.g., Docker,
Kubernetes).
• Manage environments (dev, staging, production) and ensure consistency across them.
• Manage and maintain infrastructure on bare metal servers alongside cloud environments.
• Automate routine operational tasks and improve system efficiency.
• Ensure security best practices are followed across infrastructure and deployment pipelines.
• Document infrastructure, processes, and operational procedures.
Required Qualifications
• 4+ years of experience in DevOps, SRE, or infrastructure engineering roles
• Hands-on experience with cloud platforms (AWS and/or GCP)
POSITION: TECH LEAD / SENIOR DEVELOPER
Confidential – Engineering Department
• Strong experience with Infrastructure as Code (Terraform, CloudFormation, or similar)
• Experience building and maintaining CI/CD pipelines (GitHub Actions, GitLab CI, Jenkins)
• Good understanding of containerization (Docker) and orchestration (Kubernetes)
• Experience with monitoring and logging tools (Prometheus, Grafana, ELK stack, CloudWatch)
• Experience working with bare metal servers (provisioning, configuration, maintenance)
• Solid understanding of networking concepts (VPC, subnets, load balancers, DNS)
• Strong troubleshooting and problem-solving skills
• Good communication skills in English (written and verbal)
Nice to Have
• Experience with multi-cloud environments.
• Familiarity with GitOps practices.
• Knowledge of security best practices (IAM, secrets management, compliance).
• Experience with scripting languages (Bash, Python).
• Understanding of cost optimization in cloud environments.
• Experience supporting high-load or distributed systems.
• Experience with hybrid infrastructure (cloud + bare metal)

Recruiter / HR Generalist

TODAPay | міжнародна фінтех-компанія

У зв’язку з розвитком компанії та розширенням команди відкривається позиція Recruiter / HR Generalist.

Роль передбачає фокус на підборі персоналу, а також участь у розвитку HR-процесів компанії спільно з HR Director.

Позиція буде цікавою кандидатам, які хочуть розвиватися не лише у рекрутингу, а й поступово розширювати експертизу в HR-напрямку.

⸻

Про компанію

TODApay — міжнародна фінтех-компанія, що розвиває сучасні фінансові рішення та працює з командами в різних країнах.

Компанія знаходиться у фазі активного росту та формування системних HR-процесів.

⸻

Основні обов’язки

Рекрутинг та підбір персоналу (ключова зона відповідальності)

• Повний цикл підбору персоналу

• Співпраця з hiring managers щодо формування вимог до кандидатів

• Підготовка та публікація вакансій

• Пошук кандидатів (sourcing, hunting)

• Проведення первинних інтерв’ю

• Координація етапів відбору

• Супровід кандидатів протягом усього процесу найму

• Підтримка позитивного досвіду кандидатів (candidate experience)

• Участь у підготовці оферів разом з HR Director

• Супровід кандидатів до моменту виходу на роботу

⸻

Взаємодія з керівниками

• Консультаційна підтримка керівників у процесі підбору

• Допомога у формуванні профілю кандидата

• Координація інтерв’ю

• Узгодження етапів найму

⸻

Участь у розвитку HR-процесів

• Участь у розробці процесів рекрутингу

• Підготовка HR-документації

• Опис процесів та інструкцій

• Участь у впровадженні HR-інструментів

• Покращення candidate journey

⸻

Підтримка onboarding та співробітників

• Участь у процесі адаптації нових співробітників

• Комунікація зі співробітниками з HR-питань

• Підтримка внутрішніх HR-ініціатив

• Участь у розвитку employee experience

⸻

HR-операційна підтримка

• Участь у HR-проєктах

• Підтримка HR-процесів компанії

• Допомога HR Director в операційних завданнях

• Підготовка матеріалів та інформації за запитом

⸻

Employer Brand

• Участь у підготовці публікацій вакансій

• Підтримка розвитку бренду роботодавця

• Робота з каналами пошуку кандидатів

⸻

Вимоги до кандидата

• Досвід у рекрутингу або talent acquisition

• Високі комунікаційні навички

• Проактивність та організованість

• Вміння працювати у динамічному середовищі

• Інтерес до розвитку в HR-напрямку

• Англійська мова — рівень Intermediate+ або вище

Буде перевагою:

• Досвід підбору в IT або fintech

• Досвід роботи з міжнародними командами

⸻

Можливості розвитку

Позиція передбачає поступове розширення функціоналу з можливістю розвитку.