Senior Financial Accountant (m/f/d) – Precious Metals Bank, Liechtenstein Location

About the job

What Awaits You

As a Senior Financial Accountant, you keep an overview of the finances in this dynamic environment, actively manage them, and report directly to the CFO. Balance sheets, budgets, regulatory reporting, and controlling are your playground.

Sounds like you? Then become part of our mission to combine the stability of precious metals with a first-class digital customer experience.

Your Role in the Bank

• Living accounting: You ensure the daily recording of business transactions in accounting, prepare the monthly financial statements, and, together with the CFO, are responsible for the annual financial statements according to the requirements of the Liechtenstein Financial Market Authority (FMA).
• Substantial internal controls: You maintain an appropriate internal control system over the financial statement preparation and ensure the execution and documentation of controls.
• Active controlling: You prepare controlling data, analyse it, and ensure budget monitoring.
• Impactful reporting: You periodically prepare financial reports for management and the board of directors that not only fulfil obligations but also provide decision-making bases, and you coordinate regulatory reporting with risk management.
• Co-creator: You develop products and services further with other functions within the bank and are the first point of contact for the CFO on accounting matters.

What You Bring

• Completed studies in business administration (Bachelor/Master) or university of applied sciences, ideally with a specialisation or additional training in financial accounting, or training as a certified auditor, federal expert in accounting and controlling, ACCA/CPA or equivalent with several years of experience in a Big Four firm as an auditor.
• Several years of experience as a financial accountant in a bank in the DACH region – you know the regulatory rules.
• Profound knowledge of accounting regulations for banks in the DACH region, preferably according to FMA regulations.
• Confident German language skills as well as good English skills in spoken and written form.
• You are hands-on, think ahead, and set priorities.
• Hands-on mentality – solution-oriented, entrepreneurial thinking, proactive implementation.
• Enthusiasm for digital processes and building efficient online banking structures.

What You Can Look Forward To

• A key role with real impact in a digital precious metals bank in a growth market.
• Dynamic team, flat hierarchies – with us, ideas and initiative count, not hierarchy levels.
• Direct line to management – short paths, quick decisions are part of everyday life.
• Stability meets innovation: Build an institution that combines the security of precious metals with the efficiency of the latest technologies.
• Work location Liechtenstein – central in the DACH region with high quality of life and pronounced stability.
• Hybrid working – flexible remote options by arrangement.

About Us

philoro Invest AG is building a new bank specialising in precious metals in Liechtenstein and is in the advanced licensing process. We combine the stability and security of a bank with the speed, technology, and mindset of a modern fintech.

As part of our founding team, you actively shape the structures, processes, and business model from the very beginning.

Gold is more than just an investment for us – it is substance, strategy, and future. We are developing a digital bank that offers private and corporate clients modern banking services around precious metals: from saving, investing, and safekeeping to Lombard loans and financing solutions for companies.

Our claim: a regulated banking offer with high security, consistently digital customer experience, and a clear focus on precious metals.