Interim Head of Finance

This is a fully remote position, open to applicants in Gibraltar, +1 more state.

📋 Description

• Take ownership of the general ledger and insurance balance sheet within NetSuite, managing aspects such as premiums, claims, commissions, reinsurance recoveries, and profit-share arrangements.

• Oversee the month-end and year-end closing processes, ensuring the production of insurance-carrier management accounts.

• Prepare annual statutory accounts in accordance with UK GAAP (FRS 102) and the relevant Gibraltar Companies Act regulations.

• Assist with regulatory submissions to the GFSC.

• Conduct monthly reconciliations for balance sheet, bank, fiduciary, and intercompany accounts, including alignment with actuarial reserves.

• Verify and incorporate technical reserve calculations such as IBNR, UPR, and URR into the ledgers.

• Facilitate Solvency II reporting, including QRTs, SFCR, and ORSA contributions.

• Monitor capital adequacy and maintain suitable capital buffers.

• Collaborate with actuarial, underwriting, and pricing teams to analyze loss ratios, combined ratios, and product-line profitability.

• Design, implement, and enforce financial controls and Standard Operating Procedures (SOPs).

• Serve as the primary liaison for external auditors and the GFSC, managing the annual audit process through to sign-off.

• Ensure the timely submission of corporate taxes and regulatory financial filings.

• Manage, mentor, and develop one finance team member.

• Oversee daily cash flow and liquidity while producing ongoing cash flow forecasts.

• Support the accounting for investment income.

• Own the ZIL finance system stack and maintain its integration with policy administration and actuarial data.

⛳️ Requirements

• Fully qualified accountant holding ACA, ACCA, CIMA, or an equivalent qualification.

• Proven experience in insurance carrier balance-sheet accounting; experience limited to brokers or agencies is not sufficient.

• Demonstrated experience working closely with actuaries.

• Strong conceptual understanding of reserving, pricing, and capital modeling.

• Familiarity with Solvency II reporting, including QRT, SFCR, and ORSA.

• Experience in preparing statutory accounts.

• Experience with Gibraltar or similar small-jurisdiction regulatory environments is advantageous.

• Proven ability to build, test, and enforce internal financial controls.

• Experience managing and developing direct reports within a lean organizational structure.

• Comprehensive experience managing external audits from start to finish.

• Ability to thrive in a fast-paced, evolving environment while maintaining high standards of quality and accuracy.

• Willingness and ability to hold a GFSC-approved regulated-person position for ZIL.

• AI-first mindset with a readiness to utilize AI daily, experiment quickly, and take initiative in learning.

• Big 4 audit experience with an insurance client portfolio is a plus.

• Hands-on experience with NetSuite in an insurance or MGA context is a bonus.

🏝️ Benefits

• Annual performance bonus tied to both company performance and your individual contributions.

• Share options.

• Private medical insurance coverage for you and your family.

• Pension plan.

• Generous holiday entitlement.

• £1,000 annually for commuting or personal development.

• Access to cutting-edge systems and tools.

• Quarterly team gatherings.

• Annual company-wide gathering.

• An inclusive community of Zegons across the UK and Europe.