Our Mission

Immigrants worldwide send over $600 billion home to family and friends, dwarfing foreign governmental aid. In the age of cheap, quick transfers through services like Paypal and M-Pesa, these people are trekking to stores to pay fees averaging over 7% for transfers that typically take 24 hours or more

Sendwave's mission is to change that by making sending money anywhere in the world as easy and affordable as sending a text. Since 2014, our app has allowed Africans in the US, the UK, and Canada to send money instantly and affordably to mobile money wallets in Kenya, Ghana, Uganda, & Tanzania, saving our users countless hours and tens of millions of dollars in transfer fees.

We recently launched remittances to Nigeria, where we're growing quickly, and are looking to rapidly expand throughout Africa in 2020. That's where you come in...

How you'll help us achieve it

You will join Sendwave’s existing seven-member finance team as our second treasury hire. This role plays a vital part in the operations of the company by ensuring sufficient funds are available at all times for the disbursement of our users transfers.

You will be responsible for:

  • Supporting Sendwave’s cash management - planning and executing currency trades to make sure our users money is where it needs to be, at the right time.
  • Building relationships with existing and prospective bank partners to ensure optimisation of FX costs over the medium/long term.
  • Management of existing and new funding channels, ensuring the most efficient utilisation per channel (debt facilities / credit lines).
  • Modelling operational volumes by send/receive markets, incorporating monthly and seasonal trends in customer behaviour.
  • Building and maintaining short and medium term cash flow forecasts for operational funds flows.
  • Collaborating on Sendwave's pricing strategy, market analysis, working with partner banks and ensuring funding lines are utilised in the most effective manner.
  • Maintain and own processes for monthly close in UK/Europe including salaries & wages postings, accruals/prepayments and bank reconciliations.
  • Developing a playbook for treasury which Sendwave can replicate as it expands to new countries.
  • Working closely with the finance engineering team to respond to queries around transactional, funds flow and partner specific issues.

Key Details

  • Location: Our company is 100% remote. For this role, you will need to be based in, or between, GMT and EAT timezones.
  • For this role, we are able to hire in Belgium, Germany, United Kingdom, Cote d’Ivoire, Ghana, Nigeria, Kenya or Senegal.
  • Salary: $100,000 - $130,000
  • Major benefits:
    • Subsidized health insurance and retirement contribution matching (both vary from country-to-country)
    • 26 weeks fully paid parental leave and subsidized fertility assistance
    • Unlimited vacation with a 20-day minimum requirement
    • $10,000 annual charitable donation matching


Experience required

  • 5 years experience in Financial Services, specifically operating in a multi currency environment, with exposure to fx
  • 2 years experience in accounting
  • Have demonstrable experience of building reporting models and forecasts
  • Strong grasp of banking operations and money markets


You might be a good fit if you have

  • CPA designation or in process of obtaining such designation.
  • Worked within a Treasury team.
  • Are enthusiastic about learning new reporting tools, solving unique problems, and optimizing processes.
  • Can navigate ambiguity and find creative ways to solve problems.
  • Are a goal-oriented leader, capable of working on fast-moving small team as both an individual contributor and manager
  • Are passionate about Wave's mission and eager to do what needs to be done to achieve it

Bonus points if you

  • Are familiar with the diaspora communities we serve

Our team

  • Our team of 30-odd engineers, finance & compliance professionals, marketers, & people operations professionals as well as nearly 60 customer support personnel are fully distributed across North America, Europe, and Africa — working from coffee shops, homes, and coworking spaces — making us one of the larger fully distributed growth-stage startups in the world.
  • Each quarter, we go on a five-day retreat together. In 2019, we've been to Montreal (Canada), Dakar (Senegal), Maine (USA), Puerto Rico (USA) and Colorado (USA).
  • We play in bands, teach dance classes, run Vipassana retreats, played semi-pro basketball, and built tools to help Doctors Without Borders respond to the Ebola crisis.
  • We collectively speak over twenty languages, including Akuapem, Amharic, Ewe, Fante, Ga, Igbo, Kalenjin, Luganda, Oromo, Somali, Swahili and Wolof.
  • We're backed by world-class investors including Khosla Ventures, Founders Fund, Y Combinator and the cofounders of PayPal.

How to apply

Applications will be reviewed on a rolling basis. If interested, please submit your resume & cover letter describing your interest in Sendwave below.

Confidence can sometimes hold us back from applying for a job. But we'll let you in on a secret: there's no such thing as a 'perfect' candidate. Wave is a place where everyone can thrive. So however you identify and whatever background you bring with you, please apply if this is a role that would make you excited to wake up everyday.

Wave is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Apply for this Job

* Required

U.S. Equal Opportunity Employment Information (Completion is voluntary)

Individuals seeking employment at Sendwave are considered without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, or sexual orientation. You are being given the opportunity to provide the following information in order to help us comply with federal and state Equal Employment Opportunity/Affirmative Action record keeping, reporting, and other legal requirements.

Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Form CC-305

OMB Control Number 1250-0005

Expires 1/31/2020

Voluntary Self-Identification of Disability

Why are you being asked to complete this form?

Because we do business with the government, we must reach out to, hire, and provide equal opportunity to qualified people with disabilities1. To help us measure how well we are doing, we are asking you to tell us if you have a disability or if you ever had a disability. Completing this form is voluntary, but we hope that you will choose to fill it out. If you are applying for a job, any answer you give will be kept private and will not be used against you in any way.

If you already work for us, your answer will not be used against you in any way. Because a person may become disabled at any time, we are required to ask all of our employees to update their information every five years. You may voluntarily self-identify as having a disability on this form without fear of any punishment because you did not identify as having a disability earlier.

How do I know if I have a disability?

You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition.

Disabilities include, but are not limited to:

  • Blindness
  • Deafness
  • Cancer
  • Diabetes
  • Epilepsy
  • Autism
  • Cerebral palsy
  • Schizophrenia
  • Muscular dystrophy
  • Bipolar disorder
  • Major depression
  • Multiple sclerosis (MS)
  • Missing limbs or partially missing limbs
  • Post-traumatic stress disorder (PTSD)
  • Obsessive compulsive disorder
  • Impairments requiring the use of a wheelchair
  • Intellectual disability (previously called mental retardation)
Reasonable Accommodation Notice

Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.

1Section 503 of the Rehabilitation Act of 1973, as amended. For more information about this form or the equal employment obligations of Federal contractors, visit the U.S. Department of Labor's Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.