Accounting & Financial Planning Specialist

Who We Are COMO Digital Life provides a financial ecosystem for Inhouse Finance, Global Payment Orchestration, and Embedded Finance. We enable businesses and partners to run their digital finance operations without building their own financial infrastructure, consolidating multi-currency accounts, payments, FX, treasury, and compliance on a single platform. Three pillars form one ecosystem. COMO Pay delivers multi-currency payment accounts with SEPA and SWIFT execution across 24+ currencies. COMO Treasury brings in-house banking to the mid-market: virtual account hierarchies, intercompany lending, cash pooling, and group-level liquidity control. COMO World extends with both orchestration and connected ecosystem services, delivered either directly under the COMO brand or embedded by partners under their own. We do not replace banks. We unify what they fragment: one transaction model, one compliance framework, one data layer across currencies, markets, and entities. Built on the Bauhaus conviction that form follows function, finance designed for life, not the other way around. Someday all banks will do what we do. What You’ll Do
- Own the finance data model and monthly close workflow, including reconciliations, correcting entries and consolidation adjustments.
- Maintain intercompany loan, balance and AR/bank-matching controls, resolving exceptions rather than rebuilding trackers manually.
- Own the annual budget, multi-year planning cycle and rolling forecasts, including assumptions, consolidation and version control.
- Maintain the core financial model and update it for new products, pricing or material shifts in actual performance.
- Build and maintain pricing and unit-economics models, using AI-assisted research for competitor pricing with human validation.
- Translate operating data into decision support: sensitivities, runway, profitability and resource-allocation implications.
- Maintain liquidity, solvency and own-funds / Method B monitoring, including reconciliations and audit trail.
- Operate the Finance side of daily safeguarding reconciliation, reviewing exceptions and escalating issues.
- Prepare the financial reporting pack (P&L, balance sheet, cash flow, working capital) and actual-vs-budget/forecast analysis at stand-alone and Group level.
- Own Finance’s input to Board and investor reporting, and coordinate audit datasets, schedules and evidence.
- Perform variance analytics, identify unexpected patterns and drive corrections before reporting is released.
- Create controlled data flows from banks, the platform, invoicing/CRM and accounting sources into Finance outputs, avoiding duplicate sources of truth. What You Bring Must-haves
- Finance generalist: comfortable moving between GL/close/reconciliation and budgeting/forecasting/modeling.
- Month-end ownership: demonstrable ownership of close and management reporting, including reconciliations, variance analysis and multi-entity/consolidation work.
- Excel & modeling: advanced Excel and financial modeling skills, with the discipline to simplify and control models rather than over-engineer them.
- Automation & data: practical experience with at least one BI, query, workflow or data-transformation tool, confidence with system exports/APIs, and safe use of AI tools for finance analysis.
- Accounting judgment: strong accounting logic; able to challenge GL entries, mappings and source data, and explain issues clearly to accountants, auditors and senior management.
- Ownership mindset: high curiosity and control mindset
- comfortable investigating a discrepancy end-to-end rather than accepting a dashboard or model output at face value. Profile
- Several years of experience in financial control, accounting or FP&A within a fast-moving or regulated environment.
- Able to work independently, prioritize a backlog of control and automation work, and explain finance issues clearly to non-finance stakeholders. Bonus
- Experience in a regulated fintech, payment institution, EMI, bank or similarly controlled financial environment.
- IFRS / Lux GAAP exposure and familiarity with audit and prudential reporting expectations.
- Experience with ERP implementation / accounting internalization project.
- Experience with cash/liquidity controls, safeguarding, regulatory capital or own-funds monitoring.
- Experience building pricing / unit-economics models and partnering with Commercial or Product teams.
- Experience in treasury operations, cash management or intercompany funding.

How to Apply
Send your CV and cover letter in English to hr@como-dl.com with the subject “Accounting & Financial Planning Specialist”. Short-listed candidates will be contacted within two weeks. Recruitment Process 1.   Screening interview with HR via Teams (15 min). 2.   Technical conversation with the Head of Finance & CFO (45–60 min). 3.   Final conversation with the COO & Head of Product (30 min).