Finance Officer (Accounting and Settlement)

The Role

We are expanding our Manila headquarters and looking for a Finance Officer to be the operational backbone of our accounting and settlement functions. You are the Maker in our maker-checker control structure: you prepare, record and reconcile, and a second officerindependently verifies your work before it is posted or submitted. You will work directly with our external accounting partners and report to the Finance Manager. This is a hands-on role with real ownership. Our daily transactions, trust balances and correspondent bank reconciliations run through you.

Reporting Line and Control Boundary

The role reports to the Finance Manager and works alongside the Finance Officer (Review and Control), who independently verifies this role's output. Consistent with BSP internal control expectations, work prepared by one officer is verified by a second. You record and reconcile. You do not hold cash or vault access, release payouts, or approve outgoing settlement instructions. That separation is deliberate and is what makes the control work.

What You Will Do 

● Daily Reconciliation

○ Perform daily and monthly bank reconciliations across all operating and settlement accounts.

○ Match correspondent bank and nostro account transactions across our remittance corridors, and investigate and clear breaks.

○ Reconcile e-wallet trust balances against outstanding user funds daily, and prepare the supporting evidence.

● General Accounting

○ Process Accounts Payable and Accounts Receivable.

○ Maintain the general ledger and prepare journal entries, accruals, prepayments, amortization and depreciation schedules.

○ Maintain registered books of accounts and the supporting documentation, and support month-end and year-end close.

● Treasury Operations

○ Monitor suspense and clearing accounts, age and investigate unmatched settlement items, and act as the first line of defence in flagging them to Compliance.

○ Prepare daily cash position and funding requirement reports by corridor and currency.

○ Perform foreign currency revaluation of monetary items and maintain the multicurrency ledger.

● Regulatory, Tax and Audit Support

○ Prepare trial balances, schedules and raw financial data, and act as the main point of contact assisting our external accounting firm in compiling statutory financial statements, SEC disclosures and BIR tax returns.

○ Prepare and electronically file BIR returns and supporting schedules through eFPS, including 1601-C, 0619-E, 1601-EQ, 2550Q, 1702Q and the annual alphalists.

○ Prepare the data supporting our BSP reporting obligations, including the Financial Reporting Package and periodic MSB reports, and maintain the reporting calendar.

○ Support the annual external audit and any BSP examination with complete, wellorganized schedules.

What You Need to Succeed 

● Bachelor's degree in Accountancy, Financial Management, or a related business field.  CPA licensure is an advantage but is not required for this role.

● Three (3) to five (5) years of solid experience in general accounting, strict bank reconciliation, or treasury operations.

● Previous experience in a BSP-supervised institution, e-wallet, fintech startup or banking environment is a significant advantage.

● (Tweaked) Hands-on preparation and electronic filing of BIR tax returns, and familiarity with practical post-EOPT invoicing rules — including treating the Invoice as the sole VAT support document, and applying accrual-basis output VAT on services.

● (Tweaked) Proficiency in modern ERP or cloud accounting software such as NetSuite or Xero, and advanced MS Excel or Google Sheets (e.g., Pivot Tables, VLOOKUP/XLOOKUP, and complex data manipulation functions).

● Multi-currency accounting experience and comfort with foreign currency revaluation.

● Strong English communication and presentation skills.

● Detail-oriented, proactive, and comfortable in an agile, fast-evolving environment.

● Comfortable working within segregation of duties — preparing and reconciling without custody of funds or authority to release payments.

How to Apply

Apply through this posting or send your CV to [Confidential Information] with the subject line Finance Officer — Accounting and Settlement.