Finance manager in payments

Fast Shift Limited is an Electronic Money Institution licensed by the Malta Financial Services Authority in June 2026. It is building EUR payment infrastructure — IBANs, SEPA, SEPA Instant and SWIFT — with card issuing to follow, serving both group companies and external clients. Fast Shift is pre-launch. The licence is in hand, the infrastructure contracts are signed, and first live payments are months away.

• Produce monthly management accounts with commentary: actual against budget, cash runway, unit economics by product.
• Maintain the rolling three-year plan — revenue build by product and transaction volume, and the full cost base by vendor.
• Own the annual budget cycle and the variance analysis behind it.
• Model pricing for new products, client segments and intragroup arrangements.
• Prepare draft regulatory returns for Malta review and submission — Central Bank of Malta financial returns, payment statistics, and MFSA financial and own funds returns.
• Prepare the own funds calculation monthly: track own funds against the initial capital requirement and the ongoing requirement, and flag deterioration before it becomes a problem.
• Maintain the regulatory reporting calendar and drive the inputs needed from Malta and from the outsourcing provider to hit every deadline.
• Prepare the daily reconciliation of safeguarded funds against outstanding e-money liabilities, to a standard that stands up in an audit.
• Maintain the working papers and evidence trail. Escalate breaks immediately.
• Prepare the annual IFRS financial statements for review, and own the audit file.
• Support the external audit end to end, including travel to Malta during fieldwork.
• Maintain accounting records and reconciliations to a standard that requires no rework at year end.
• Track the vendor cost base — core banking, scheme access, SWIFT connectivity, safeguarding, cloud, KYC and insurance — including volume-tiered pricing, annual escalators and contractual minimums.
• Check invoices against contract terms. Challenge what does not match.
• Prepare the intragroup recharge calculations and supporting transfer pricing documentation.
• Work alongside the Maltese corporate services provider who handles bookkeeping, VAT, payroll and statutory filings. Review their output rather than accept it; hold them to their deliverables.
• Prepare board and shareholder reporting packs.

• ACCA or equivalent qualification, or substantially complete.
• Five or more years in financial services — a bank, a licensed financial institution, or financial services audit at a Big 4 or comparable firm.
• Hands-on experience preparing regulatory returns to a central bank or financial regulator, to hard deadlines. Experience with CBA prudential reporting — capital adequacy and total capital calculations — is directly relevant and the closest analogue to the work here.
• IFRS reporting, including preparing statements for audit.
• Strong Excel and financial modelling. You will build and maintain the company’s plan, not just populate someone else’s template.
• Fluent written and spoken English. All work, correspondence and reporting is in English.
• Willing and able to travel to Malta regularly, including for audit fieldwork.
• Будет плюсом: Exposure to EU payments regulation — EMD2, PSD2, safeguarding requirements. Rare in this market; we will train the right person; Experience in a fast-growing or newly licensed institution rather than an established one; Experience working with an outsourced accounting provider

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