Ribbit Jobs (NOW HIRING)

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run
• Hungry and driven by urgency
• Exceptional at what they do, with low ego
• Comfortable operating in motion

OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.

Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best‑in‑class experience to millions of customers. OnePay’s products include:

• Checking and high-yield savings accounts
• Domestic and international peer‑to‑peer payments
• Credit Builder and credit score monitoring
• Digital wallet / contactless payment solutions
• Buy‑now‑pay‑later installment loans at Walmart

Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry‑leading multi‑product value proposition — all in addition to having some of the best people and talent in the industry.

There’s never been a better time to build a category‑defining business and there has rarely been a team better positioned for the opportunity. Join us!

As Head of Accounting Policy and Financial Reporting at OnePay, you will lead our accounting policy and financial reporting function, reporting to the Chief Accounting Officer, and ensuring accurate, compliant financial reporting while supporting the company’s growth and evolving product landscape. You will:

• Establish and maintain accounting policies in accordance with US GAAP, including ongoing assessment of FASB and SEC developments
• Oversee the preparation and review of financial statements and ensure a strong internal control environment over financial reporting
• Analyze and document accounting implications for complex transactions including M&A, new products, and strategic initiatives
• Partner cross‑functionally with Finance, Product, Legal, and external auditors to ensure accurate and timely reporting outcomes
• Lead modernization efforts across reporting processes, systems, and controls to support scale and efficiency

• 12+ years of experience in accounting within financial services, fintech, or a high growth technology environment
• Deep expertise in US GAAP, technical accounting research, and financial reporting requirements
• Experience evaluating complex transactions and translating accounting guidance into practical business decisions
• Proven ability to build and improve internal controls and reporting processes in a scaling organization
• Strong stakeholder management skills with experience working with auditors, regulators, and executive leadership
• Drive and proactivity – everyone here is a builder and executor

• Competitive base salary, stock options, and health benefits from Day 1
• 401(k) plan with company match
• Remote‑friendly (US), flexible time off (FTO), and opportunities for growth
• A high‑growth, mission‑driven, inclusive culture where your work has real impact

• Initial Interview with Talent Partner
• Technical or Hiring Manager Interview
• Team Interview
• Executive Interview
• Offer!

To build technology and products that are used and loved by people and solve real‑world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.