Finance Manager

Description

Rakuten Viber is one of the most popular and downloaded apps in the world. Working with us gives you the chance to influence hundreds of millions of users and to be part of our journey towards becoming a super-app. Our mission is to make people's lives easier by enabling meaningful connections, from precious moments with family and friends to managing business relationships and pursuing their passions.

We are a global team dedicated to creating safe, reliable and compliant digital experiences for millions of users worldwide. Our culture is built on innovation, accountability and a commitment to excellence.

We are looking for an experienced Finance Manager to be the designated function holder for finance at our regulated payment services business in Malta. You will be responsible for the finance function of the licensed entity. This covers statutory and regulatory financial reporting, safeguarding and reconciliation controls, regulatory capital and liquidity, and tax. You will make sure the company meets its obligations under its licence and Maltese law. You will work in a fast-scaling, global payments business.

The role is subject to MFSA approval.

Regulatory Compliance and Safeguarding

• Own and maintain finance-related policies and procedures, including safeguarding, reconciliation, treasury and capital management.
• Oversee daily reconciliations, review and sign off exceptions, and escalate breaches to the Board and MFSA where required.
• Ensure customer funds are safeguarded and segregated from the company's own funds, in line with the Financial Institutions Act (Cap. 376), MFSA Financial Institutions Rules and PSD2 requirements.
• Monitor own funds, minimum regulatory capital and capital adequacy, and report to the Board.
• Develop reconciliation manuals and work with Engineering to turn them into automated processes.
• Work with Compliance, Risk and the MLRO on the identification of payment risks, and with Fraud and Transaction Monitoring to review payment patterns.
• Follow up on internal and external audit recommendations and track them to closure.
• Contribute to the company's operational resilience and ICT/outsourcing oversight framework from a finance perspective.

Payments Finance Oversight

• Oversee settlement and reconciliation processes across all payment types, and review exception reports and dashboards.
• Review disrupted payments, partner refunds and chargebacks that have been escalated, and approve resolutions in line with procedure. Day-to-day handling sits with the operations team.
• Manage liquidity, pre-funding and treasury requirements with payment partners.
• Act as an early point of contact for payment partners (such as banks, acquirers and PSPs) on financial and regulatory matters.
• Support the onboarding of new payment partners with financial and regulatory input.
• Work with Product and Engineering to build compliance into new payment products and flows.

Financial Management and Reporting

• Prepare accurate and timely monthly management accounts and IFRS statutory financial statements.
• Manage the annual audit and the relationship with external auditors, including any safeguarding or regulatory audit work.
• Prepare and submit regulatory returns to the MFSA and other authorities, and keep the supporting documentation.
• Prepare budgets, forecasts and cash-flow projections.
• Prepare regular financial reports for senior management and the Board of Directors.
• Ensure filings with the Malta Business Registry are made on time.

Tax and Corporate Obligations

• Ensure compliance with Maltese and international tax obligations, including VAT, corporate tax and withholding tax, and liaise with the Commissioner for Revenue (CFR) and external tax advisers.
• Oversee outsourced services such as payroll, legal advisers and other service providers, and approve related payments.
• Work with other departments and the Group to streamline financial processes and support Group reporting.
• Undertake other duties reasonably required by the Company.

• Bachelor's degree in Finance, Accountancy, Business or a related field.
• A recognised professional accountancy qualification (ACCA, ICAEW, CPA Malta or equivalent)
• At least 5 years of experience in finance within payments, fintech, e-money or banking, including regulatory reporting.
• Working knowledge of IFRS, safeguarding and reconciliation requirements, and regulatory capital for payment or e-money institutions.
• Able to meet the MFSA's fit and proper requirements and to be approved for this function. The offer is conditional on that approval and on satisfactory references and background checks.
• Strong communication skills, with experience dealing with regulators, auditors, Board members and partners.
• High level of integrity and sound judgement.
• Right to work in Malta, and based in Malta.
• Fluent written and spoken English.

Advantages

• Already approved by the MFSA for a similar role (Personal Questionnaire cleared).
• Experience automating reconciliation or finance processes, and with ERP and reporting tools.
• Experience managing outsourced providers and working in a Group structure.
• Further professional qualifications relevant to payments or financial regulation.