Senior Technical Accountant

LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity. ABOUT THE ROLE 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. WHAT YOU'LL BUILD AND OWN

• 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. YOUR EXPERIENCE
• 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. NICE TO HAVE
• 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. WHY JOIN LEMFI? Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this. At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. You can connect with us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android. RECRUITMENT AGENCIES NOTICE LemFi does not accept unsolicited CVs from recruitment agencies. We work only with agencies on our preferred supplier list, and only when we’ve asked them for their support. Any CVs sent to us outside this arrangement will not incur a fee.