--- title: 'Financial Controller (Remote - Work from Anywhere) at Xapo Bank' canonical: 'https://feeny.ai/job/financial-controller-remote-work-from-anywhere-xapo-bank-gibraltar-q0bv1hk7q4th' type: 'job' last_seen: '2026-10-29' --- # Financial Controller (Remote - Work from Anywhere) at Xapo Bank - **Company:** Xapo Bank - **Location:** Gibraltar - **Work type:** remote - **Posted:** 2026-10-14 - **Last confirmed live:** 2026-10-29 - **Apply:** https://job-boards.greenhouse.io/xapo61/jobs/8019375003 ## Job description Work from anywhere, impact everywhere Diversity is at the heart of who we are at Xapo Bank. We’re a fully distributed team of over 160 Xapiens that work remotely from 50+ countries around the world. Our beginning: A world that enjoys economic freedom and wealth protection,no matter where you live or who is running your country. To achieve that, we search the world for the best people for the job. We work hard, think globally, and inspire each other to learn and grow. We are committed to changing the way things are done. Although we are headquartered in Gibraltar, this is a full time, 100% remote position Work from anywhere! Position overview As Financial Controller, you will own the integrity of financial reporting across the Xapo group, a Bitcoin-first, regulated credit institution headquartered in Gibraltar. Reporting to the Director of Finance, you will lead the Financial Controlling and Regulatory Reporting teams and take each cycle from first draft to sign-off: consolidated and entity financial statements under IFRS and FRS 102, the multi-entity close, regulatory returns to the GFSC and FCA, and the external audit. You will apply IFRS to crypto assets, shape our accounting positions and policies, and work with our finance transformation team to build AI and automation into the close and reporting process. ## Responsibilities Financial reporting and control - Prepare the group’s consolidated and entity financial statements under IFRS and FRS 102, from first draft to sign-off. - Run month-end and year-end close for a multi-entity group in Gibraltar and the UK, including consolidation and intercompany eliminations. - Oversee the statutory accounts of each group entity. - Make sure the internal control system stays accurate and keeps its integrity. Regulatory reporting - Lead regulatory reporting to the GFSC and FCA, including prudential returns on capital and liquidity and periodic management accounts. - Work with Data, Operations, Compliance and other teams to prepare client asset reporting. - Keep up with regulatory change and update reporting when requirements change. External audit - Run the group external audit from planning through fieldwork, queries and sign-off. - Be the main contact between Xapo and the auditors, answering technical questions and keeping the audit on timetable. Technical accounting - Support the Director of Finance on technical accounting, including the treatment of crypto assets under IFRS. - Write technical accounting positions and contribute to decisions on finance systems and infrastructure. - Help draft accounting policies, memos and decision records. Tax - Own tax compliance and manage the external tax advisors, including the tax treatment of crypto assets. Systems, process and automation - Improve finance processes and NetSuite reporting. - Work with the finance transformation team to build AI and automation into close and reporting, and adopt new tools as they roll out. - Manage the existing close and regulatory reporting review process and look for ways to improve it. ## Team management - Lead and develop the Financial Controlling and Regulatory Reporting teams, fostering strong performance, accountability, and collaboration. - Drive a high-performance culture by setting clear objectives, developing future leaders, and ensuring the team has the skills to support evolving business and regulatory requirements. ## Skills needed - Bachelor’s degree in Accounting, Finance or a related field. - Qualified accountant (ACA, ACCA, CIMA or equivalent) preferred. - At least 5 years as a Controller leading an accounting function. - Experience in a bank, fintech or crypto business. - Strong technical knowledge of IFRS and FRS 102, with experience preparing financial statements under both. - Crypto asset accounting under IFRS, including fair value revaluation and on-chain reconciliations, backed by a working understanding of blockchain. - Regulatory reporting experience, including Basel capital and liquidity returns (e.g. COREP). GFSC or FCA exposure is preferred. - External audits experience. - NetSuite proficiency is essential. - Advanced Excel / Google Sheets. SQL or BI tools (e.g. BigQuery, Looker) are an advantage. - Has used AI tools in previous finance roles and is comfortable working alongside AI-driven automations and checking their output. - Experience leading and developing a finance team. - Clear writer, able to explain complex numbers to non-finance colleagues and handle regulator and auditor correspondence in a fully remote team. - Strong analytical skills, sound judgement and high standards of integrity. Other requirements - A dedicated workspace. - A reliable internet connection with the fastest speed possible in your area. - Alignment with Our Values and the Xapo Values-Driven Leadership principles. Why work for Xapo? Impact Globally, Work Remotely. - Shape the Future Improve lives through cutting-edge technology, work 100% remotely from anywhere in the world. - Great work-life balance Build amazing things with a balance of autonomy and collaborative teamwork. Set your own work schedule and make use of a flexible PTO plan when you need to recharge. - Expect Excellence Collaborate, learn, and grow with a high-performance team. Learn how you learn best - from books to conferences, you’ll get a yearly budget for your individual learning and development goals. At Xapo, we prioritize consumer protection and adhere to regulatory requirements by ensuring that all Xapiens are accountable for upholding principles of fair treatment, transparency, and ethical conduct in their interactions with customers and stakeholders. ## About Xapo Bank ## Company Overview - **One-liner**: Xapo Bank is the world’s first fully regulated Bitcoin-enabled bank, integrating traditional banking with Bitcoin to let users secure, spend, and grow their wealth. - **Entity Type**: Private (Series A) - **Headquarters**: Gibraltar - **Founded**: 2013 (founded as a Bitcoin wallet/custodian); 2014 (formal incorporation as a bank) - **Founders**: Wences Casares (founder of Xapo; also founded Lemon Wallet and was an early Bitcoin advocate) ## Core Business - **Primary Industry**: Financial Services (crypto-native banking, Bitcoin custody, fiat banking) - **Target Customers**: B2C (individuals seeking to hold, spend, and earn interest on Bitcoin and USD), with a focus on high-net-worth and retail Bitcoin holders - **Mission or Purpose**: "To provide our members with the best crypto-native banking experience that is secure, accessible and flexible. Because we believe that financial security is a right, not a privilege, and should be within reach of every individual." ## Products & Services - **Xapo Bank Account**: A regulated bank account that combines a USD fiat account (with deposit guarantee up to GBP 120,000) with a Bitcoin wallet. Users can earn up to 4% APY on USD deposits and compounding returns in Bitcoin on both USD and BTC balances. - **Bitcoin Custody & Vault**: Triple-layered security including underground vaults (physical), MPC (multi-party computation) technology, and tailored personal access. Bitcoin is held in a 1:1 reserve, segregated from corporate funds, and never rehypothecated. - **Global Payments**: Send, spend, and receive money in major currencies (USD, EUR, GBP) 24/7 with no FX fees via international payment networks and blockchain rails. - **Institutional Services**: Dedicated relationship managers, segregated custody, and transparency reports for high-net-worth individuals and institutional clients. ## Market Standing - **Valuation/Market Cap**: Not publicly disclosed (private company) - **Key Metric**: Total Funding of **$40M** (Series A); annual revenue not publicly available - **Notable Investors/Partners**: Greylock Partners (led Series A), with additional support from other venture investors; audited by a Big 4 firm; regulated by the Gibraltar Financial Services Commission (GFSC) - **Growth Signals**: 110 employees (+7% YoY), operating in 38 countries, with a global remote workforce spanning 50+ countries. The company has been profitable and operational for over a decade (since 2013). Recent hiring for VP of Customer Success, Software Engineers, and Investment Manager indicates continued expansion. ## Competitive Advantages - **First-Mover & Regulatory Moat**: The first Bitcoin-enabled bank to be fully regulated (GFSC) and compliant with AML/KYC standards, providing a clear legal framework for both fiat and digital assets. - **Zero-Lending-Risk Model**: Bitcoin is held in a 1:1 reserve, never lent out or rehypothecated, removing fractional reserve risk. - **Institutional-Grade Capitalization**: Ultra-conservative balance sheet with a Core Equity Tier 1 Capital Ratio of 1663% and a Liquidity Coverage Ratio of 167%, far exceeding international requirements. - **Proven Security**: Over a decade of secure Bitcoin custody with no major breaches, combining physical vaults and advanced MPC technology. ## Strategic Focus - **Deepening the Crypto-Native Banking Experience**: Integrating traditional banking rails (USD accounts, debit cards) with Bitcoin to make it a daily-use asset. - **Global Expansion**: Operating in 38 countries and hiring across APAC, Europe, and the Americas to scale its member base. - **Regulatory Leadership**: Maintaining and expanding its regulatory framework to set the standard for compliant crypto banking. - **Product Innovation**: Adding features like designated beneficiaries, recurring buys, and enhanced yield products. ## Why Work Here - **Fully Remote Culture**: Xapo was founded as a fully remote company and has been remote for 13+ years. Team members work from 50+ countries with a strong emphasis on autonomy and work-life balance. - **Generous Time Off**: 35 days of paid time off per year, plus comprehensive sick, special, and parental leave. - **Learning & Development**: Personalised yearly budget for courses, books, and conferences, plus annual performance and salary reviews. - **Global, Diverse Team**: Over 160 "Xapiens" from 50+ countries, with a culture that values inclusivity, ethics, and collaboration. - **High-Impact Work**: Opportunity to shape the future of finance at the intersection of traditional banking and Bitcoin, working on a product used by a global member base. - **Interview Process**: Typically includes HR interview, peer interviews, a technical or business challenge, and a hiring manager interview, all conducted via Zoom/Google Meet. ## Sources 1. [xapobank.com - Careers Page](https://www.xapobank.com/en/careers) 2. [xapobank.com - Homepage](https://www.xapobank.com/en) 3. [xapobank.com - Compliance & Regulation](https://www.xapobank.com/en/company/compliance) 4. [LinkedIn - Xapo Bank Company Page](https://gi.linkedin.com/company/xapobankapp) 5. [Greenhouse - Xapo Bank Jobs](https://job-boards.greenhouse.io/xapo61/jobs/7692178003) ## Other roles at Xapo Bank - [Chief Customer Officer](https://feeny.ai/job/chief-customer-officer-xapo-bank-gibraltar-sev4zkbf7ctd) — Gibraltar - [Customer Success Team Lead (Remote - APAC)](https://feeny.ai/job/customer-success-team-lead-remote-apac-xapo-bank-gibraltar-sy8jdjpmc9pq) — Gibraltar - [General Interest - Future Consideration](https://feeny.ai/job/general-interest-future-consideration-xapo-bank-gibraltar-v8xte25sec2z) — Gibraltar