Safeguarding & Treasury Manager

Who are Yapily

We’re standing at the forefront of a transformative era for financial services…and we act like it. We’re curious, hard-working innovators who want to challenge the norm and build what’s next.

Why we exist, and where we’re headed:

Our Mission:
Redefining how the world interacts with value.

Our Vision: A world without financial friction

Our

Purpose:

To empower everyone to access and move value

At Yapily, we’re building a powerful, scalable, and secure open banking infrastructure that redefines how the world interacts with value.

Our open banking platform powers leading companies, such as Adyen, Intuit Quick Books, and Google. By delivering payment initiation, bank data access, and pre-built products, we enable businesses to innovate fast and push the boundaries of financial technology.

As an early pioneer of open banking, we’re actively shaping the future of this industry with unrivalled expertise and a relentless focus on innovation.

As we expand our regulated entity footprint and product offering, by initiating our UK and Irish/EU Electronic Money Institution (EMI) operations, we are building out the safeguarding and treasury function to meet our regulatory obligations and optimise our and commercial obligations.

What we’re looking for

Yapily is seeking an experienced, detail-oriented Safeguarding & Treasury Manager to own end-to-end EMI safeguarding compliance and to optimise the treasury management across the Group. This is a critical hire that bridges regulatory rigour and financial value creation: you will protect customer funds, satisfy the regulators, and simultaneously optimise our partnerships with our financial partners and unlock yield on the company’s operating funds.

You will be a subject matter expert in EMI safeguarding from prior similar roles in EMIs, preferably in the UK. You have detailed operational knowledge of the regulatory requirements in the UK (CASS) and in Ireland/EU (EMR, PSR). You have designed, ope rationalised and right sized processes to ensure regulatory compliance and treasury optimisation. You lead with a collaborative and fun “can do” mindset.

You are solutions focused, designing and operating automated / AI-enhanced processes.

You will have the following responsibilities:

EMI Safeguarding

You will own the full safeguarding lifecycle for the EMI operations, ensuring compliance at all times. Specific duties include:

• Performing daily safeguarding reconciliations, ensuring that relevant funds held by Yapily match the safeguarding record and identifying and resolving breaks within required time frames.
• Preparing all regulatory safeguarding reports to FCA.
• Preparing all internal reporting (to VP of Finance, Safeguarding Committee and the Board); continuously improving our internal governance and processes.
• Managing the day-to-day relationship with the custodian banks, including reconciliation queries, credit limit monitoring and escalation of material issues.
• Owning, maintaining and annually testing the Safeguarding Wind-Down Plan, ensuring it remains operational.
• Serving as the primary internal owner for the annual safeguarding external audit, coordinating evidence requests, responding to auditor queries and remediating findings.

Treasury Optimisation

Beyond the primary responsibilities of EMI safeguarding, you will actively manage Yapily’s treasury position to generate commercial value within defined risk parameters.

• Managing the liquidity and capital positions of all group entities, in line with regulatory requirements and optimisation strategies.
• Identifying, evaluating and implementing yield-generating strategies for the Group’s operating funds, including money market funds, short-dated instruments and bank deposit structures.
• Diversifying the placement of customer and relevant funds across eligible custodian arrangements in line with regulatory requirements and internal risk appetite.
• Defining and documenting treasury policy, including investment mandates and concentration limits.
• Monitoring counter party credit quality and flagging deterioration to senior stakeholders.
• Building and maintaining a treasury dashboard, tracking liquidity, yield, counter party…