---
title: 'Treasury Manager (Remote - Work from Anywhere) at Xapo Bank'
canonical: 'https://feeny.ai/job/treasury-manager-remote-work-from-anywhere-xapo-bank-gibraltar-pmh23vhc8n92'
type: 'job'
last_seen: '2026-09-10'
---

# Treasury Manager (Remote - Work from Anywhere) at Xapo Bank

- **Company:** Xapo Bank
- **Location:** Gibraltar
- **Work type:** remote
- **Posted:** 2026-07-28
- **Last confirmed live:** 2026-09-10
- **Apply:** https://job-boards.greenhouse.io/xapo61/jobs/7812568003

## 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 the Treasury Manager at Xapo Bank, you will be a pivotal member of our Treasury team responsible for overseeing and optimising our cash  and banking  processes. Your expertise in liquidity management and cash management will play a crucial role in maintaining the financial health of our organisation. If you are a detail-oriented finance professional with a passion for maximising cash efficiency, we invite you to join our team.

## Responsibilities

- Liquidity Management : Monitor daily cash positions, optimise cash balances, and invest surplus funds to maximise returns while maintaining liquidity. Minimise idle cash and reduce borrowing costs.
- Leading the cash execution for the Treasury and Investment related flows.
- Risk Management: Identify and mitigate cash-related risks, including currency exchange rate fluctuations and interest rate risk. Develop risk management strategies to protect company finances. Manage various Financial Limits within the agreed Group Risk Appetite
- Bank Relationship Management: Support relationships with financial institutions, negotiate banking terms and fees, and stay informed about banking services that can benefit the company.
- Supporting the delivery of various Treasury Regulatory Requirements for the Bank (e.g. ICAAP, ILAAP)
- Treasury Reporting : Owning and developing Treasury Management Information  capturing the daily cash positions along with key treasury P&L. Supporting other regular MI requests for senior committees such as the Risk Management Committee and others.
- Cash Management Policies: Develop and enforce Cash Management policies and procedures to safeguard company assets and maintain compliance with internal controls and regulations.
- Ad Hoc Projects: Participate in special projects related to Cash Management and Treasury.

## Skills needed

- Must have at least 5-10 years experience in a fintech or equivalent environment.
- CFA or CIMA or similar qualification.
- Ability to build spreadsheets and monitoring tools and reports from scratch.
- Financial Expertise: Strong understanding of financial principles, cash management, and treasury operations.
- Cash and Crypto Execution - Understanding of banking and crypto rails along with expertise in transaction execution on both Fiat and Crypto side is nice to have.
- Analytical Skills: Excellent quantitative and analytical abilities to interpret financial data and make data-driven decisions.
- Liquidity Management: Experience in optimising liquidity, managing working capital, and investing surplus funds.
- Bank Relationship Management: Ability to build and maintain positive relationships with banks and financial institutions.
- Financial Analysis: Skilled in conducting financial analysis and providing strategic insights.
- Risk Management: Knowledge of cash-related risks and experience in developing risk mitigation strategies.
- Communication: Strong verbal and written communication skills to report and present financial information effectively.
- Attention to Detail: A high level of attention to detail and accuracy in financial calculations and reporting.

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)

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