Head of Asset & Liability Management
ARQ
Head of Asset & Liability Management
ARQ
Fintech for currency exchange and transfers
ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the infrastructure to move value seamlessly. We're still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If you're excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.
As Head of Asset & Liability Management, you will oversee how ARQ funds, invests, and safeguards a rapidly expanding, multi-currency balance sheet. Our balance sheet spans multiple jurisdictions, currencies, banking partners, and payment rails—your core focus will be ensuring it remains secure, liquid, and optimally structured to drive financial return.
In this inaugural leadership role, you will build ARQ's ALM framework, risk policies, and governance committees from the ground up across approximately 10 regulatory licenses, partnering closely with Finance, Treasury, Risk, Product, and Compliance.
Collaborating with cross-functional leadership across Product, Finance, and Engineering, you will uphold safeguarding obligations across key global markets—including core Latin American operations (such as Brazil, Argentina, Colombia, and Mexico) alongside the US, UK, and Gibraltar—while securing capital adequacy and fund segregation. Operating as an influential individual contributor with high executive and board visibility, you will protect our financial core and maximize balance sheet efficiency as ARQ advances toward key strategic milestones and public readiness.
In your first 12 months, success looks like:
A board-approved ALM policy with clear limits for liquidity, FX, interest-rate and counterparty risk
A running ALCO with a monthly balance-sheet pack the leadership team trusts
Daily liquidity and FX positions visible across every currency, entity and partner
A funding and pricing framework ready for high-yield accounts and the credit book
Liquidity risk: build daily liquidity forecasting across currencies and entities, set buffers per partner and rail, run stress tests, and own the contingency funding plan.
FX risk: measure and manage open currency positions (USD, EUR, MXN, ARS, BRL, COP and stablecoins), set limits and run hedging where it makes sense.
Interest-rate and yield: design how we invest customer and corporate balances and model rate sensitivity (NII, EVE).
Funding and credit: design the funding structure for our credit card and lending products, including warehouse lines, partner funding and capital needs.
Counterparty risk: set concentration limits and monitor exposure to banks, custodians, stablecoin issuers and payment partners.
Governance: write the ALM policy and risk appetite, run Asset-Liability Committee (ALCO), and report to leadership and the board.
Regulation: make sure safeguarding, reserve and liquidity requirements are met in every market, working with Compliance and local regulators.
Regulation: maintain the minimum liquidity balances required under local licensing and regulatory requirements in each jurisdiction, ensuring funds are held in the appropriate legal entity and remain available to meet local obligations.
Systems: define the data, tooling and automation ALM needs
Experience: 8+ years in ALM, treasury or balance-sheet risk at a bank, neobank, broker or fintech, including time leading the function or a core part of it.
Risk expertise: deep hands-on knowledge of liquidity risk (LCR/NSFR-style metrics, stress testing, contingency funding), FX risk and interest-rate risk in the banking book.
Global scope: experience managing a multi-currency balance sheet across more than one country and regulator.
Technical skills: strong quantitative and modelling skills: you can build the model yourself in SQL, Python or Excel, not just review it.
Governance: experience setting up or running an ALCO and presenting to executives and boards.
Approach: good judgment in a fast, ambiguous environment: you build pragmatic frameworks first and refine them as we scale.
Languages: fluent English; Spanish or Portuguese is a strong plus.
Experience in Latin American markets (Mexico, Argentina, Brazil, Colombia), including capital controls and high-inflation environments
Familiarity with stablecoins, digital-asset custody or tokenized money-market funds
Experience launching deposit or yield products, or funding a consumer credit book
Background building treasury data pipelines or working closely with engineering teams
Competitive salary
Sign-on stock options bonus, so you become part of the success of the company
Discretionary performance bonus (stock options)
Paid annual leave
Private health insurance
Latest technology to work with
Strong team that will help you improve your skills
ARQ offers a fintech mobile app for currency exchange to USD, international transfers with a flat $3 fee, and a platform for digital dollar investments. Users swap local currency for US dollars at competitive rates without traditional exchange houses, and can send money to or from the US with a single flat fee; SPEI transfers from Mexico are automatically converted into digital dollars inside the app. It differentiates itself by eliminating hidden fees, using a simple flat-rate transfer model, and adding a digital-dollar investment option for travelers and people who deal with the US. The goal is to reduce the cost and hassle of exchanging currencies and sending money to and from the United States while giving easy access to digital-dollar investments.
Explore more opportunities at ARQ