Staff Accountant

Austin Capital Bank • Austin, TX

1d • Hybrid

About The Position

At Austin Capital Bank, we are a dynamic team focused on innovation and building impactful products. We are a rapidly growing company, recognized on the INC 5000 five years in a row and by the Austin Business Journal's Fast 50 list. We operate with an entrepreneurial, start-up spirit while maintaining profitability. We are expanding into new digital markets and product categories and are seeking exceptional individuals to join our team.

Our Core Values include taking initiative, having no big egos, honesty, and being wicked smart.

The Staff Accountant role is a hands-on accounting position focused on GL integrity, variance resolution, and month-end close. The role involves daily reconciliation of our fintech portfolio, partnering closely with Operations, IT, and Analytics within the bank's Finance & Accounting team.

Requirements

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

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

Responsibilities

• 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.
• 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.
• 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.
• 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.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 11-50 employees