Technical Accountant

Ambition has no passport. That belief is why LemFi exists. We're the financial engine for people the world wasn't built to serve, the millions who move countries to build something better and find the financial system hasn't caught up with them yet. We started with remittances: the money people send home to the people they love. Now we run multi-currency accounts, Savings, eSIMs and Credit. Because staying connected to home and building somewhere new are not two separate things. They never were.

As Senior Technical Accountant, reporting to the Head of Financial Control and Reporting, you will be LemFi's go-to authority on how we account for what we do. You will own the Group accounting policy manual, write the technical papers on every key judgement area, get ahead of new products before they launch, and be the main contact for auditors on complex technical questions.

You will partner closely with Global Finance Operations and Reconciliation and Strategic Finance, ensuring that US GAAP consolidated accounts and local entity statutory accounts are accurate from revenue recognition to balance sheet classification. This is a hands-on role for someone who enjoys hard accounting questions and explains the answers clearly. The role is based in London or Dublin, with dedicated time in either hub.

• Own the Group accounting policy manual across US GAAP, FRS 102 and local frameworks, keeping it current as standards and the business evolve.
• Write clear, defensible technical papers covering key judgement areas: revenue recognition on fees and FX, credit losses (CECL and IFRS 9), safeguarded customer funds and share-based payments.
• Get ahead of new products - assess accounting treatment for new products, markets, partnerships and funding facilities before launch, working with Product, Legal, Tax and Treasury.
• Lead on technical audit areas: be the auditors' main contact on judgement areas, close out findings related to accounting treatment, and ensure no material audit adjustments in your areas.
• Set the rules for transaction accounting - define how fees, FX, chargebacks, settlements and processor flows are recorded, and work with Finance Transformation to build those rules into NetSuite posting logic and automated controls.
• Bridge the frameworks: maintain the US GAAP to statutory reconciliation, support the consolidation with the Financial Reporting and Consolidation Manager, and keep intercompany recharges consistent across the Group.
• Run a prioritised technical accounting log, reviewed monthly with the Financial Control and Finance Operations leads, so nothing falls through the cracks.

• ACA, ACCA, CPA or equivalent qualification, with 7 or more years of post-qualification experience.
• A background in Big 4 (or similar) audit, ideally in financial services, or in a technical accounting team in-house.
• Direct experience in a remittance, payments, e-money or similarly regulated financial services business - as an auditor or in-house.
• Strong technical knowledge of US GAAP, and solid working knowledge of FRS 102 or IFRS.
• Experience with credit loss accounting under CECL or IFRS 9.
• Clear, concise technical writing and the confidence to defend a position with auditors and senior stakeholders.
• A hands-on approach: as comfortable posting a complex journal as writing the policy paper that justifies it.
• Experience in US GAAP consolidation for a multi-entity international group.
• Experience designing accounting rules for ERP or automation projects, ideally in NetSuite.
• Exposure to share-based payments, debt facilities or equity fundraising accounting.

Your work here puts money back into families' pockets. That's the reward, and the weight of it. You'll take on some of the hardest problems in finance alongside people who do their best work when the stakes are real. We move fast and we expect a lot, because our customers can't afford for us to do otherwise. In return you get room to own real problems, global impact you can see, and a team that won't slow you down.

Bring grit and ownership and there's a place for them here. Ambition belongs here, come and show us yours.

Follow us on LinkedIn and Instagram and if you haven't already, download the app on the App Store or Google Play.