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
Perform monthly close of the trust books, including financial reporting and documentation
Assist in developing internal controls and process improvements to reduce exception volume over time
Support the preparation of reconciliation reports and dashboards

Exception Management

Investigate transaction exceptions (e.g. failed settlements, chargebacks, duplicate payments) flagged in Modern Treasury
Identify appropriate resolution paths and assign action items to internal / external stakeholders
Partner with external stakeholders (banks, payment processors) and internal teams (Engineering, Product) to resolve exceptions
Maintain audit-ready documentation of exception cases, including resolution timelines, decisions, and outcomes

Root Cause Analysis & Continuous Improvement

Identify patterns or recurring issues in exception data and escalate systemic root causes
Document and escalate root causes to cross-functional teams (e.g., Engineering, Product) as needed
Track fixes through their development and deployment cycles with Engineering
Collaborate with Product to define journal entry logic and reconciliation requirements for new feature launches
Validate and confirm that long-term fixes are successfully implemented
Recommend and implement process improvements to reduce manual journal entries, exception handling, and improve reconciliation processes

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 strongly preferred)
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)
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.