Staff Accountant

Job Title: Staff Accountant

Location: Austin, Texas / in office 3-4 days per week

About Us:
At Austin Capital Bank we're not just a bank and fintech company; we're a dynamic team that's all about innovation and building products that help people. Our commitment to creating meaningful user experiences drives everything we do, and we're rapidly growing while keeping that start-up spirit alive. If you're eager to make an impact in the tech world, let's chat!
Austin Capital Bank is one of the fastest growing companies in the nation, receiving recognition on the INC 5000 five years in a row. Austin Business Journal also recognized Austin Capital Bank in its Fast 50 list for the fastest growing companies in Central Texas. We ranked #8 in companies with over $10 million per year in revenue.
We think and act like an entrepreneurially driven start-up BUT one that is profitable - the best of all worlds. Using our bank as a platform, we're growing quickly and expanding into new digital markets and product categories at a rapid pace.


With all this opportunity and growth, we need exceptional individuals to join our team and enable our vision.


Our Core Values
Companies are defined by their core value and we hold these near and dear to our heart.

• Take Initiative - A bias to action - proactive vs reactive
• No Big Egos - Self-confidence with humility
• Honesty - Direct forthright communication
• Wicked Smart - Intellectually and emotionally self-aware

The Role
Austin Capital Bank is hiring a Staff Accountant to own the daily reconciliation of our fintech portfolio. This is a hands-on accounting role focused on GL integrity, variance resolution, and month-end close.
You will reconcile internal fintech partner ledgers to the banking core, investigate and clear breaks within defined SLAs, book adjusting journal entries, and produce audit-ready documentation. The role sits within the bank's Finance & Accounting team, and partners closely with Operations, IT, and Analytics.

What You'll Do
Daily Reconciliation & GL Integrity

• Perform daily three-way reconciliation between fintech partner ledgers, the banking core, and card network settlement activity for each Fintech program.
• Reconcile FBO, operational, and card settlement accounts across all fintech partner relationships; identify, research, and clear breaks within defined SLAs.
• Prepare and post adjusting journal entries in accordance with GAAP and bank accounting policy.
• Maintain reconciliation workpapers and supporting documentation to audit standards.

Month-End & Period Close

• Own Fintech-related close activities, including accruals, settlement timing adjustments, interchange and fee accounting, and program-level P&L validation.
• Deliver reconciliation packages and variance explanations to the Controller on the defined close calendar.
• Support quarterly and annual financial reporting, including regulatory Call Report inputs where applicable.

Controls, Audit & Documentation

• Maintain documented reconciliation procedures for each fintech partner relationship.
• Support internal audit, external audit, and regulatory examinations with reconciliation evidence, variance explanations, and control narratives.
• Identify control gaps and partner with Operations and IT to implement remediations.

Partner Accounting & Cross-Functional Work

• Learn each Fintech partner's funds flow, fee structure, and settlement cycle in enough depth to explain every line on the reconciliation.
• Partner with IT and Analytics to ensure fintech partner reporting files flow reliably into the bank's Snowflake environment; define the accounting requirements for those data feeds.
• Partner with Finance and FP&A on revenue recognition, fee accruals, and inputs into program-level profitability and forecasting.

What We're Looking For
An accounting background is required for this role. Candidates without a degree and professional experience in accounting will not be considered.

• Bachelor's degree in Accounting (required).
• 2-4 years of professional accounting experience with a core emphasis on reconciliation.

Skills

• Advanced Excel skills: pivot tables, lookups, and large-dataset manipulation.
• Comfort running SQL queries against Snowflake or an equivalent data warehouse.
• High attention to detail, strong documentation discipline, and the ability to explain every variance clearly and concisely.
• Strong communication and interpersonal skills.

Nice to Have

• Experience with data visualization tools (ThoughtSpot, Tableau, or similar) for operational reporting.
• CPA or active CPA candidate.

Why Austin Capital Bank

• Be part of a growing team with direct exposure to multiple fintech partnerships and business models.
• High-impact, high-autonomy role - you'll build the reconciliation and reporting infrastructure, not just maintain it.
• Work at the intersection of banking, fintech, and data - gaining experience that's increasingly valuable across the industry.
• Collaborative team culture with room to grow into senior operations, finance, or partner management roles.

Human Resources: [email protected]