Senior Accountant

Bankjoy is a Y Combinator and Bessemer Venture Partner-backed FinTech startup revolutionizing digital banking for community banks and credit unions. They provide modern digital banking products, including mobile banking, online account opening, loan origination, and conversational AI.

💼 The Role

Bankjoy is seeking a Senior Accountant to oversee day-to-day accounting operations for a US-headquartered fintech with a Canadian entity. Reporting directly to the COO, this role involves ownership of accounts receivable, accounts payable, monthly close across multiple entities, US multi-state sales tax function, and the annual financial statement audit.

This is a sole-contributor role with full functional ownership. You will be the sole accountant, working directly with the COO and partnering with Sales and Client Success to ensure accurate billing at the source. You will have the autonomy to design and document processes.

The ideal candidate is resourceful, self-directed, and proactive—able to gather necessary data from Salesforce and contracts, engage directly with deal owners, and present decisions to the COO rather than seeking approval.

🧠 What You'll Do

Revenue, Billing & Accounts Receivable

• Own the monthly billing cycle end-to-end, including recurring SaaS subscriptions, implementation fees, expansion and upsell items, and third-party passthroughs.
• Interpret signed client contracts to determine correct billing, including minimums, tiered unit pricing, annual escalators, passthrough treatment, and go-live timing.
• Source billing inputs independently from Salesforce, contract files, and the Sales or Client Success owner who closed the deal.
• Reconcile third-party vendor invoices against amounts rebilled to clients, and investigate variances before they reach the client.
• Own AR collections: aging review, client follow-up, and timely escalation of at-risk balances.
• Prepare invoices for COO review and release.

Accounts Payable

• Own AP intake, vendor coding, and entry; maintain written vendor-to-GL coding standards.
• Prepare payment runs for COO approval and manage vendor relationships, statements, and billing disputes.
• Ensure AP remains current to avoid disruptions in vendor relationships due to missed or late payments.

US Sales Tax & Compliance

• Own the US multi-state sales tax function: nexus monitoring, registrations, and monthly/quarterly filings.
• Administer Avalara, including billing system integration, and reconcile taxable sales to filed returns each period.
• Collect and maintain exemption certificates for tax-exempt credit union clients.
• Manage voluntary disclosure agreements, state notices, and state tax audits.
• Support Canadian corporate tax filings and US federal and state returns with external advisors.

Month-End Close & Reporting

• Own the full close cycle across the US parent, its Canadian entity, and its subsidiary.
• Maintain recurring schedules: deferred revenue and implementation fee amortization, prepaid expenses, referral fee accruals, and sales commission amortization.
• Allocate payroll and benefits by department across US and Canadian payroll, including CAD translation and RRSP remittance reconciliation.
• Investigate and explain month-over-month variance by department without being asked, distinguishing real movement from timing artifacts.
• Produce the monthly KPI package for the board.

External Audit

• Serve as the primary point of contact for the annual financial statement audit.
• Prepare PBC schedules and workpapers, respond to auditor requests, and post audit adjustments.
• Maintain rollforward schedules that tie to the general ledger year over year.
• Treat audited financial statements as controlled documents and route all external distribution through the COO.

Process & Documentation

• Build and maintain written documentation for every recurring process, including the month-end close checklist, vendor coding rules, departmental mapping, and billing logic.
• Identify recurring error sources and fix them at the root rather than correcting them each month.
• Recommend and implement improvements to systems and workflows as the business scales.

🎯 What You Bring

• 5+ years of progressive accounting experience, including full ownership of a month-end close.
• Hands-on US multi-state sales tax experience: nexus determination, state registrations, filings, exemption certificate management, and voluntary disclosure agreements.
• Working knowledge of Avalara or a comparable sales tax engine, including its integration with a billing system.
• US GAAP revenue recognition under ASC 606 applied to multi-element SaaS contracts, specifically implementation fee deferral and principal-versus-agent analysis for passthrough revenue.
• Experience in a multi-entity environment with cross-border operations and foreign currency translation.
• Experience owning or substantially supporting an external financial statement audit.
• Proficiency with QuickBooks Online, Bill.com, and a billing platform; Zoho and Salesforce a plus.
• Demonstrated ability to work independently: comfortable pulling data from a CRM, reading contracts, and engaging directly with deal owners.
• Evidence of process documentation you have written and maintained. Candidates should be prepared to share a work sample.
• CPA (Canada or US) or equivalent practical experience.
• SaaS or fintech experience strongly preferred; experience serving credit unions or community banks is a plus.