Senior Accountant

About Plooto

Plooto is a Canada-born fintech company on a mission to give small and mid-sized businesses the financial power to succeed on their own terms. We make payments secure, accurate, and stress-free so businesses and their accountants can spend less time in the books, confidently manage cash flow, and make smarter decisions every day. We're a team that builds with integrity, agility, and heart, and we're looking for customer-minded pros who share our passion to join us as we scale.

About the Role

We're hiring a Senior Accountant to own the accounting and reconciliation of trust accounts at Plooto. This is a high-impact individual contributor role and a key addition to our growing accounting team.

You'll report to the Director of Accounting and work alongside our corporate Accounting Manager — each of you leading distinct, critical domains: one focused on corporate financials, the other on customer funds. You'll be the sole owner of trust accounting operations, ensuring customer fund flows are recorded, reconciled, and reported with accuracy and scale.

This is not a back-office role — you'll work daily at the intersection of accounting, systems, and data. You'll be responsible for:

• Recording journal entries related to customer fund flows in the ERP
• Investigating reconciliation discrepancies flagged by Modern Treasury
• Partnering cross-functionally with Product, Engineering, banks, and processors to identify root causes and implement long-term fixes
• Leading the design and implementation of accounting logic for new products and features to ensure accurate and scalable reconciliation and reporting

Each month, you'll close the trust books, reconcile due to/from corporate accounts, and report on payment losses and recoveries. You'll play a foundational role in ensuring that our trust accounting is audit-ready, compliant, and scalable as the business grows.

If you're a forward-thinking accountant who enjoys solving complex data puzzles and designing smart, scalable processes — this role is a rare opportunity to own a core accounting function with massive scope and visibility.

Key Responsibilities
Trust Accounting & Controls

• Own end-to-end accounting and reconciliation of customer funds across payment processors, banks, and internal systems, ensuring documentation meet accounting policy and audit standards
• Record daily journal entries in the ERP reflecting trust-related receivables, payables, liabilities, and cash positions
• Ensure ERP balances are reconciled and fully supported by transaction-level data from Modern Treasury
• Maintain and reconcile Due To / Due From accounts between trust and corporate ledgers, ensuring clear, accurate, and auditable separation between corporate and trust funds
• Implement process improvements to reduce manual processes and exception handling

Exception Management

• Investigate transaction exceptions (e.g. failed settlements, chargebacks, duplicate payments) flagged in Modern Treasury
• Identify appropriate resolution paths and partner with internal and external stakeholders on resolution

Cross-Functional Collaboration

• Serve as the accounting subject-matter expert for new product offerings, ensuring reconciliation processes, accounting treatment, and controls are designed and implemented to support scalability and accuracy
• Support internal knowledge sharing with clear documentation of exception types, resolution flows, and accounting logic
• Prepare and present updates to leadership on exception volumes, resolution SLAs, and systemic improvements
• Contribute to financial and regulatory audits by ensuring trust-related documentation is accurate, complete, and up to date

Qualifications
Must-Haves

• Bachelor's degree in Accounting, Finance, or a related field
• 3+ years of experience in operational accounting, reconciliation, payment operations, or related roles
• Familiarity with high-volume transaction environments and reconciliation tools (Modern Treasury experience a plus)
• Strong working knowledge of ASPE (or similar frameworks)
• Proven ability to work with large datasets (e.g. Excel, SQL) and cross-functional stakeholders
• Meticulously detail-oriented with strong analytical, documentation, and problem-solving skills
• Comfortable operating independently in a fast-moving, lightly structured environment

Nice-to-Haves

• Experience in fintech, payments, or B2B SaaS companies
• Understanding of ACH, wires, cheques, card networks, or real-time payment rails
• Experience working with ERPs, databases, and payment processors (e.g., Adyen)
• Versed in SQL
• Exposure to defining accounting logic for software-driven financial products

What You'll Need to Succeed

• Relentless attention to detail and strong ownership of outcomes
• Curiosity and tenacity to get to the "why" behind issues
• Comfort navigating ambiguity and building structure from scratch
• Passion for scalable process design and automation
• Confidence working across accounting, data, systems, and cross-functional teams
• Ability to juggle multiple priorities while maintaining strong follow-through

Why Become a Plootonian?

If you're looking to make a meaningful impact, look no further. We're transforming the payments space in North America by delivering an unrivalled product experience to solve a real and pressing problem for SMBs.

The biggest reason small businesses fail is poor financial management and cash flow — and Plooto fixes that. We have strong product-market fit, a massive opportunity ahead, and the backing of experienced fintech leaders.

You'll join a team that cares deeply about customer impact, takes pride in our craft, and moves with urgency. We're just getting started — and you'll help shape the next chapter of our growth story.

Join Plooto and be part of a mission that matters.

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