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Salary: CAD 115,000 - 135,000 / annual
Bankjoy is a Y Combinator and Bessemer Venture Partner-backed fintech startup transforming digital banking for community banks and credit unions. We are seeking a hands-on Senior Accountant to own day-to-day accounting operations for a US-headquartered fintech with a Canadian entity, reporting directly to the COO.
This is a sole-contributor role with full functional ownership. You will be the only accountant in the business, working directly with the COO and partnering with Sales and Client Success teams. You will have autonomy to run the function your way and responsibility to document how it runs.
Key Responsibilities:
Revenue, Billing & Accounts Receivable: Own the monthly billing cycle end-to-end for recurring SaaS subscriptions, implementation fees, expansion/upsell items, and third-party passthroughs. Interpret signed client contracts to determine correct billing including minimums, tiered unit pricing, annual escalators, and passthrough treatment. Source billing inputs independently from Salesforce, contract files, and deal owners. Reconcile third-party vendor invoices against amounts rebilled to clients. Own AR collections including aging review, client follow-up, and 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. Keep AP current to prevent disruption to vendor relationships.
US Sales Tax & Compliance: Own the US multi-state sales tax function including nexus monitoring, registrations, and monthly/quarterly filings. Administer Avalara including billing system integration, and reconcile taxable sales to filed returns. 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/state returns with external advisors.
Month-End Close & Reporting: Own the full close cycle across the US parent, Canadian entity, and subsidiary. Maintain recurring schedules for deferred revenue, 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. Produce the monthly KPI package for the board.
External Audit: Serve as primary point of contact for 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.
Process & Documentation: Build and maintain written documentation for every recurring process. Identify recurring error sources and fix them at the root. Recommend and implement improvements to systems and workflows as the business scales.
Requirements:
- 5+ years of progressive accounting experience, including full ownership of a month-end close (must have)
- Hands-on US multi-state sales tax experience: nexus determination, state registrations, filings, exemption certificate management, and voluntary disclosure agreements (must have)
- Working knowledge of Avalara or comparable sales tax engine, including integration with a billing system (must have)
- 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 (must have)
- 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 without supervision: comfortable pulling data from a CRM, reading signed contracts, and going directly to deal owners
- Evidence of process documentation you wrote and maintained; candidates should be prepared to share a work sample such as a close checklist or procedure
- CPA (Canada or US) or equivalent practical experience
- SaaS or fintech experience strongly preferred; experience serving credit unions or community banks is a plus
