Finance Operations Manager

Job description

At Breeze, we're building the AI-powered infrastructure layer for global commerce, making it radically simpler for businesses to sell, get paid, and operate across markets. We go far beyond traditional payment processing. Breeze combines global payments, AI, stablecoins, and a Merchant of Record-like model to take on the complexity businesses typically manage themselves, including compliance, risk, fraud, chargebacks, reconciliation, and customer support. Our goal is simple: let businesses focus on building and selling great products while Breeze handles the complexity behind getting paid. Backed by **Sequoia Capital**, **Multicoin Capital**, and **The Chainsmokers**, Breeze is a successful, rapidly growing, and exceptionally well-capitalized company. We have the runway to think long term while remaining early enough that every person joining today can have a meaningful impact on what we build. **Overview** As our Financial Operations Manager, reporting to our Head of Finance, you'll run the daily mechanics of money movement: merchant settlement, liquidity positioning across our banking and custody footprint, and the funding decisions that keep payouts on schedule in every currency and every entity we operate in. This is an execution role with real judgment attached. You'll be positioning cash before markets open, deciding which account gets funded and from where, executing wires and on-chain transfers under dual control, and investigating breaks when a settlement doesn't land where it should. It's also a build role. Much of what you'll inherit runs on spreadsheets and tribal knowledge, and we need it running on process. If you've done treasury or payment operations inside a payments company, a bank, or a crypto business, the shape of this job will be familiar. We're looking for someone who thrives in fast-moving environments, wants meaningful ownership, and is excited to build rather than simply maintain. **What You'll Do** Merchant setup and settlement - Own merchant settlement configuration: bank details, payout schedules, settlement currencies, funding instructions, rolling reserves, and holdback terms. - Execute and monitor the daily settlement cycle, investigating failed, delayed, or misrouted payouts through to resolution. - Own merchant-facing settlement inquiries and settlement statement accuracy. - Maintain reserve balances and release schedules in line with risk policy. - Respond to merchant queries on charges, balance reconciliations, top-up amounts, and tax collected. - Investigate settlement discrepancies and coordinate with payment partners on resolution. Crypto settlements - Execute and reconcile stablecoin settlement flows, including on and off-ramp conversions with exchange and OTC counterparties. - Manage wallet operations: whitelisting, transfer approvals, and address hygiene. - Monitor custody balances and coordinate movements between custodial, exchange, and operating wallets. - Reconcile on-chain activity to internal ledgers and investigate discrepancies. Liquidity and cash management - Run daily cash positioning across bank accounts in different countries and currencies, and monitor overall liquidity. - Set and monitor minimum balance and prefunding thresholds, moving funds before shortfalls become missed settlements. - Maintain rolling short-term cash forecasts covering settlement obligations, operating spend, and intercompany needs. - Build the reporting that gives leadership a same-day view of where cash sits and where it's going. Multi-entity trade - Execute FX trades and intercompany funding across our legal entities, booking each trade with proper documentation and settlement tracking. - Track currency exposure across entities and flag positions that need hedging attention. - Support entity funding as we open new markets, accounts, and licenses. Bank treasury support and controls - Execute wires, ACH, SEPA, and SWIFT payments under maker-checker controls with complete audit trails. - Serve as day-to-day operational contact for banking partners, sponsor banks, and custodians, covering account opening, documentation, escalations, and service issues. - Document treasury procedures and support internal control and audit requests. **What We're Looking For** - 5+ years in financial operations, treasury operations, or payment operations. - Experience from a fintech, payments company, bank, or other regulated financial services business. This is the core requirement. You should already know what a settlement break looks like, why prefunding timing matters, and what happens when a wire cutoff is missed. - Hands-on experience executing payments across multiple rails (wire, ACH, SWIFT, SEPA, or local equivalents) in a controlled environment. - Multi-currency and multi-entity experience, including FX execution and intercompany funding. - Demonstrated ownership of cash positioning and short-term forecasting. - Strong reconciliation instincts and genuine comfort with high-volume transaction data. - Advanced Excel, with real comfort working with large transaction-level datasets from processors or core banking systems. - Some experience applying AI to finance and accounting workflows. - Comfortable operating in fast-moving environments without an established playbook. - A builder mentality with a strong bias toward action. - Excited to use AI and automation to work smarter and rethink existing processes. - Comfortable getting into the details and doing the work, regardless of seniority. **Nice to Have** - Experience at an early-stage or high-growth startup. - Direct experience with stablecoin or crypto settlement, custody platforms, or exchange and OTC relationships. - Familiarity with FBO account structures, safeguarding rules, or money transmitter permissible investment requirements. - Modern Treasury, NetSuite, or similar treasury and payment ops tooling. - BigQuery or comparable ability to pull your own data. - Experience standing up banking or custody relationships in a new country. **Our Compensation Philosophy!** The annual base salary range for this role is $140,000-$165,000 in New York. This range represents the minimum and maximum annual base salary that Breeze, in good faith, expects to pay for this position at the time of posting. Actual compensation will be determined based on factors including a candidate’s experience, skills, and qualifications. For candidates outside of New York, compensation will be based on the applicable market and location-based pay range. The base salary range listed excludes commission (if applicable), equity, and benefits. **Benefits & Perks** - **Health coverage:** Breeze covers 100% of employee premiums on our competitive base plan and 75% of dependent premiums. - **PTO:** 21 days, plus applicable company holidays. - **401(k):** Breeze covers all plan administration fees. - **Equity:** Meaningful ownership in the company you're helping build. - **Equipment:** A new MacBook Air and whatever else you need to do your best work. - **Office & education allowance:** An annual budget for your workspace, tools, and professional development. - **Wellness:** A monthly reimbursement to support your well-being. - **Annual global offsite:** We bring the global Breeze team together every year. Previous destinations include Bali and Singapore, with Japan coming next. Breeze is an equal opportunity employer. We are committed to providing equal employment opportunities to all applicants and employees without regard to race, color, religion or creed, national origin, ancestry, citizenship or immigration status, sex, pregnancy, sexual orientation, gender, gender identity or expression, age, marital or partnership status, caregiver status, disability, genetic information, military or veteran status, height or weight, sexual and reproductive health decisions, status as a victim of domestic violence, sexual violence, or stalking, or any other characteristic protected by applicable federal, state, or local law. Breeze considers qualified applicants with criminal histories in accordance with applicable federal, state, and local laws, including the New York City Fair Chance Act, where applicable. **Why Join Breeze** - **Make an outsized impact:** We're successful and still early, with meaningful traction and strong financial foundations. Lean teams, few layers, and direct access to decision-makers mean you'll have real ownership and the autonomy to make things happen. - **Solve hard, meaningful problems:** Work at the intersection of AI, payments, stablecoins, risk, compliance, financial infrastructure, and global commerce as we build an intelligent infrastructure layer that goes far beyond payments. - **Build AI-first:** AI isn't an add-on. It's central to how we're building our products and how our teams operate. You'll experiment with new tools, automate the repetitive, and continuously rethink how to work smarter. - **Work with an exceptional team:** Join ambitious, curious, low-ego people who move quickly, hold a high bar, and care deeply about what they build. - **Grow with Breeze:** As Breeze grows, strong performers can quickly expand their scope and take on bigger problems. - **Build for the long term:** Backed by Sequoia Capital, Multicoin Capital, and The Chainsmokers, we're exceptionally well-capitalized with the runway to think big. **In-Office Expectations** Employees based in our **New York City, NY** office follow a hybrid work model and are expected to work from the office **three days per week**. Employees based in our **Singapore** office are expected to work **on-site five days per week**. In-office expectations may vary slightly depending on role, team, and business needs. Certain roles that require closer cross-functional collaboration or operational support may have additional requirements, which will be discussed during the interview process. Our approach is designed to support meaningful in-person collaboration, team building, and real-time decision-making while providing flexibility where applicable. We believe this structure enables strong execution, close collaboration, and effective teamwork across our global offices. **Come Build With Us!** We offer a rare combination: the ownership and speed of an early-stage company with the traction, backing, and financial foundations of a successful business. We're building at the convergence of AI, payments, stablecoins, financial infrastructure, and global commerce. The opportunity is much bigger than building another payment processor. We're building the intelligent infrastructure layer for global commerce, and there's still an enormous amount left to build. If you want meaningful ownership, hard problems, exceptional teammates, and the opportunity to help define what comes next, we'd love to hear from you!