About One

One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place.

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.

There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!

The role

As a Treasury - Cash Management lead, your mandate is to own the daily operation, projection, reconciliation and optimization of our cash. This role will impact One’s vision by protecting one of our most important assets, optimizing our funding as we grow, and finding ways to make us operate more efficiently. You will work closely with the business teams on use and optimization of cash, the accounting team on reporting and reconciliation of cash, the FP&A team on short and long term projections of cash, and with the rest of the Treasury team on optimizing our sources and uses of funding. You will be a key participant in the operations, execution and management of a growing fintech company. This role reports to the Treasurer.

This role is responsible for:

• Daily reconciliation, rebalancing and reporting of cash balances

• Ownership of short term and long term cash projections

• Integration of cash impacts into budgeting processes

• Maintaining relationships with corporate banking partners (account opening / fee management etc)

• Cash investment strategy and reporting

• Managing funding risks and controls (eg internal and external account access and limits)

• Planning and operationalizing fund flows associated with new product launches

You bring

• 4-6yrs of experience, with several years in a treasury operations or cash management role at a fintech, a bank or a corporate with complex cash management structure

• Familiarity with financial statements, with a degree in Finance, Accounting, or a related field

• Experience in cash forecasting

• Experience in an externally facing role / ability to represent the organization

• The Triple H Factor: Hungry, Humble, Honest

• An act-like-an-owner mentality. We have a bias toward taking action and a fast-paced culture

Pay Transparency

The estimated annual base salary for this position ranges from $100,000 - $140,000. Pay is generally based upon the level, complexity, responsibility, and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

What it’s like working @ One

• Competitive cash

• Benefits effective on day one

• Early access to a high potential, high growth fintech

• Generous stock option packages in an early-stage startup

• Remote friendly (anywhere in the US) and office friendly - you pick the schedule

• Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave

• 401(k) plan with match

We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on May 31, 2024.

Please see the independent bias audit report covering our use of Covey here.

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.

Inclusion & Belonging

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@one.app.