Operational CFO

Our partner is a fintech and payment services provider based in the EU. Licensed and regulated as an E-Money Institution, they offer consumer wallets and corporate accounts.  

As their exclusive recruitment partner, we manage their full-cycle talent acquisition.

We are seeking a hands-on, commercially minded Operational Chief Financial Officer to lead our finance function in Malta and drive the strategic intersection between corporate finance and business operations. In this high-impact executive role, you will hold complete oversight of financial controls while actively guiding the operational finance workflows unique to a high-growth Electronic Money Institution (EMI). This is an extraordinary opportunity for a proven finance leader to shape internal processes, mentor a dedicated team, and serve as a key advisor to the CEO and Board of Directors.

Responsibilities

• Directly manage, structure, and develop the Malta-based finance team, fostering a culture of accountability, operational clarity, and high performance.
• Maintain hands-on oversight of specialized financial workflows, including client fund safeguarding, multi-currency reconciliations, liquidity management, and payment settlement flows.
• Deliver accurate monthly, quarterly, and annual financial statements, board packs, management accounts, and financial analysis for key stakeholders.
• Lead ongoing statutory audits, regulatory reporting, and compliance reviews, serving as the primary finance contact for regulators, banking partners, and external auditors.
• Drive annual budgeting, cash flow forecasting, and financial modeling to support business expansion, commercial decision-making, and risk management.
• Identify operational bottlenecks, implement robust internal controls, and introduce automation to improve financial reporting accuracy and speed.
• Partner closely with executive leadership, compliance, risk, and operations teams to align financial strategies with broader business objectives.

Requirements

• Extensive experience as a CFO, Operational CFO, Finance Director, or Head of Finance within a regulated financial environment.
• Direct experience within an EMI, Payment Service Provider (PSP), payment institution, bank, or high-growth fintech is strictly required.
• Comprehensive understanding of EMI financial operations, including safeguarding requirements, client fund flows, payment settlement mechanisms, and liquidity management.
• Strong background in managing statutory audits, external regulatory reporting, and complex financial governance frameworks.
• Demonstrated ability to lead, upskill, and structure a finance team to operate efficiently in a fast-paced setting.
• ACCA, ACA, CPA, or an equivalent professional accounting qualification is highly preferred.
• Exceptional stakeholder management skills with the confidence to present to the Board, C-suite, and external regulatory bodies

Benefits

• Comprehensive Private Health Insurance coverage (post-probation).
• Access to an attractive, modern office space equipped with excellent facilities.
• Daily breakfast options and catered team lunches every Friday.
• Regular office social gatherings and team-building events in a highly collaborative environment.