Chief Financial Officer - Satispay Bank (Relocation to Luxembourg)

Please note that this opportunity requires relocation to our Luxembourg office.

About us

Traditional banking has never really given people control over their financial life. Satispay exists to change that: to empower people through finance . That means making financial services easy and accessible for millions of users. We started with payments, then benefits, investing, cards... and we’re not done. Not even close. Same logic every time: find a real problem, solve it properly, then look for the next one. The destination? To build the most loved financial platform in the world. Getting there takes leaders who own outcomes across teams, not just tasks, and set the tone for refusing the “someone else will fix this” culture. If that's how you lead, you'll fit right in.

What you'll be doing

As CFO for our Luxembourg-regulated entity, you will be primarily responsible for maintaining the financial integrity, regulatory compliance, and fiscal oversight of Satispay's European hub. Acting as a regulator-approved key executive, your role involves aligning ambitious group-wide corporate goals with the demands of banking compliance, managing the local balance sheet, and safeguarding the entity's capital adequacy. You will lead the entity's scalable Finance function, including statutory reporting, financial control, audit coordination, finance operations, and integration with the Group Finance organisation to support Satispay's growth and regulatory evolution. Here's what that looks like in practice: Reporting & Compliance: Take full accountability for the preparation and delivery of local statutory accounts, regulatory filings, and financial information required for Group consolidation, ensuring the highest standards of accuracy, compliance, and timeliness. Ensure adherence to Lux GAAP/IFRS, applicable regulatory requirements, and Group reporting policies. Financial Strategy & Liquidity: Oversee the management of liquidity risks and the protection of client funds as per e-money statutes, while implementing effective yield-enhancement tactics for surplus liquidity. Lead treasury activities across the Luxembourg entity, including cash management, cash forecasting, and coordination with the Treasury team. Risk Management: Track and uphold institutional capital benchmarks, establishing proactive detection mechanisms for market and liquidity exposures. Partner closely with the Chief Risk Officer and other control functions to ensure effective oversight of financial risks, including liquidity, capital, and balance sheet-related risks. Stakeholder Representation: Act as Satispay's primary financial representative to regulatory bodies, tax offices, and external auditors, ensuring the successful execution of annual audits. Financial Control & Performance Reporting: Oversee the Financial Control and Controlling functions, ensuring accurate month-end reporting, balance sheet integrity, and timely management information for local and Group stakeholders. Provide financial analysis and insights to support strategic decision-making and business performance monitoring. Finance Operations: Ensure efficient and scalable Finance Operations processes, including reconciliations, accounts payable, accounts receivable, and month-end close activities. Establish and maintain a strong financial control environment across all operational finance processes. Intercompany Integration: Work closely with the Group CFO and Finance teams to ensure seamless integration of local financial activities, reporting, treasury, and planning processes within the Group Finance framework. You will lead and mentor high-performing teams, collaborate closely with peers with structured communication and transparency, demonstrating a commitment to integrity and ownership. What we're looking for We are seeking a proven leader with a distinguished track record of success in driving strategic initiatives and achieving significant business growth within relevant sectors. You will lead by example, combining ambition with purpose, drive impactful results and cultivate ownership and continuous improvement in our dynamic environment. Executive Experience: At least 8 years of leadership in financial roles at a primary EU financial hub or within Luxembourg-regulated payment institutions, EMIs, or banks. Compliance & Regulatory Mastery : Deep knowledge of CRR/CRD directives, CSSF requirements, Luxembourgish accounting (Lux GAAP/IFRS), and safeguarding standards. Regulatory Eligibility: Candidates must be qualified to meet the CSSF's "fit-and-proper" criteria necessary for official designation as an authorized director or manager Technical Core Competencies: Proven track record across treasury management, financial control, statutory and regulatory reporting, audit management, capital and liquidity management, and finance operations within regulated financial services environments. Strong understanding of Group consolidation processes, financial governance frameworks, and interaction with auditors, regulators, and supervisory authorities Language capabilities: Complete fluency in English We recognise that exceptional leadership comes in many forms. If you believe you have the vision, experience, and drive to help us shape the future of money, we encourage you to apply. We value the unique perspectives and strengths that exceptional leaders bring, even if their experience doesn't align with every listed requirement. Why this is your place This is a unique opportunity to leverage your experience and leadership to make a profound impact on a company poised for significant future growth. We operate on a principle of reciprocity: significant strategic impact is met with meaningful rewards and opportunities. Drive transformative impact. Lead critical functions and initiatives that directly contribute to our mission and impact millions of users and businesses. Operate in high-growth. Thrive in a dynamic, fast-moving environment that demands bravery, resilience, and ra