Financial Operations Analyst

Stake is looking for an Operations Analyst - Financial Operations to join our Sao Paulo team in a fully remote capacity to support our Australian operations!

We’re an Australian investing platform that helps ambitious people confidently grow their wealth. By offering seamless, immersive access to the share markets, we’ve empowered a new wave of investors. Stake has grown fast from a fintech startup into a robust financial services company. Today we have 750,000+ customers and more than A$5 billion under administration.

At Stake, we break barriers in everything we do. Just like our customers, we’re driven by ambition. Our desire for continuous growth is what creates the collaborative and high-performance environment we work in. Though we’re spread around the world, we’re a unified team moving towards a shared vision: to unleash the investor in everyone.

Join us as we continue to reshape the financial industry, inspiring investor confidence and celebrating our wins along the way.

About this role

The Financial Operations team owns money movements, reconciliations, partner settlements and payment exception handling across our business. The team delivers accurate, compliant and auditable execution of cash and payment workflows while providing timely, customer-facing responses and partnering with Finance, Treasury, Product and Compliance to reduce operational risk.

You will be a hands-on member of Financial Operations, responsible for day-to-day cash operations: owning the cash ops ticket queue, triaging and resolving deposit/payment exceptions and recalls, managing bank-partner escalations and rejects, supporting transaction loading and EOFY accounting tasks, and driving process and control improvements to reduce manual effort and risk. This role demands accuracy, strong stakeholder communication and an operational problem-solving mindset.

You will be required to work Australian hours - 6pm - 2am BR time.

Further responsibilities include:

Cash operations & ticketing

• Own and operate the cash operations ticket queue: triage, investigate and resolve cash tickets, payment queries and operational complaints; document investigations and outcomes in ticketing and ops systems.
• Ensure timely escalation and handover of complex issues to senior ops, Finance or Compliance.
  

Deposit recalls, rejects & bank-partner liaison

• Evaluate and action deposit recalls and payment rejects in accordance with SOPs; coordinate with banking and payment partners to resolve exceptions, manage supporting documentation and meet partner timelines.
• Act as primary operations contact for partner escalations and migration issues, tracking issues to resolution and surfacing lessons learned.
  

Reconciliations of customer payments

• Reconcile customer receipts and balances; monitor partner and regulatory payments where applicable.
• Trace and identify funds quickly to resolve customer queries related to funding and withdrawals.
• Produce and maintain audit-ready reconciliation records and support investigatory requests from Finance or Compliance.
  

Client onboarding & account maintenance

• Support client onboarding and account conversions.
• Complete account maintenance requests (name changes, owner/member updates, personal information changes and other administrative updates).
  

Process improvement, projects & controls

• Maintain and improve SOPs and controls (for example, deposit recall processes); identify recurring failure modes and propose remediation that reduces manual effort and risk.
• Support projects such as banking-partner migrations, treasury/process changes and automation of routine tasks.

Stakeholder management & communication

• Work closely with Customer Success, Finance, Product, Compliance and Treasury to ensure timely resolution and to feed product/process improvements. Provide clear, customer-facing and partner-facing communications.

A bit about you

• Minimum 3+ years in cash operations, payments, banking operations or financial operations. Experience in financial services/payments is highly desirable.
• Proven experience handling deposit recalls, payment exceptions, bank-partner escalations or transaction reconciliations is preferred.
• Strong attention to detail and demonstrable accuracy when working with financial data and reconciliations.
• Practical problem-solving skills with a methodical approach to investigating cash/payment issues end-to-end and escalating appropriately.
• Experience with ticketing systems (Zendesk or equivalent), spreadsheets (advanced Excel/Sheets) and basic accounting transaction workflows.
• Excellent written and verbal communication; able to manage partner and customer communications calmly and clearly.
• Ability to prioritise under pressure, own tasks through to completion and operate in a fast-moving fintech environment.
• Portuguese and English fluency (preferred for Brazil).

At Stake, we’re more interested in your attitude than your resume. If you believe this is a role you want to jump into, please apply and let us know why in your cover letter!

Benefits of working at Stake

You’ll have the opportunity to work with autonomy while learning from some of the best talent in the industry, playing a meaningful role in building a product and community that is shaped around ambition. Having said that, we also have perks.

Please see on our Careers website the list of benefits under our Grow with Stake program. In Brazil, they include:

• Career relevant development and training with professional development allowance
• Parental leave and childcare allowance
• Sonder - healthcare, safety support and EAP for you and your immediate family
• Additional leave types (Swap days, Bear Days, TOIL, Miscarriage/bereavement leave)
• Health insurance
• Talent referral bonus
• Team days, celebrations and recognition awards

Stake is an equal opportunity employer that values diversity. We’re proactive about providing an inclusive work environment and do not discriminate based on race, religion, nationality, gender, sexual orientation, age or disability status. We’re also endorsed by WORK180 as a great employer for women.

It all comes together to explain why Stake placed 1st in the 2024 AFR BOSS Best Places to Work list for the Banking, Superannuation & Financial Services category, across all of Australia and New Zealand.

So what happens next?

Once we've received your application, we'll give it the attention it deserves and you'll hear from us either way. We’re committed to responding to every applicant. If we think you’d be a good addition to our team, we’ll give you a call and from there, you'll cruise through our recruitment process.

To all recruitment agencies: Stake does not accept agency resumes. Please do not forward resumes to our jobs alias or directly to Stake employees. Stake is not responsible for any fees related to unsolicited resumes.