Treasury Manager; Launch

Our mission

We're making Africa the first cashless continent. In 2017, over half the population in Sub-Saharan Africa had no bank account. That's for good reason — the fees are too high, the closest branch can be miles away, and nobody takes cards. Without access to financial institutions, people are forced to keep their savings under the mattress. Small business owners rely on lenders who charge extortionate rates.

Parents spend hours waiting in line to pay school fees in cash. We're solving this by building financial services that just work: no account fees, instantly available, and accepted everywhere. In places where electricity, water and roads don't always work, you can still send money with Wave. In 2017, we launched a mobile app in Senegal for cash deposit, withdrawal, and peer‑to‑peer and business payments.

Now, we have millions of users across 9 countries and are growing fast. Our goal is to make Africa the first cashless continent and that's where you come in…

As a Treasury Launcher, you will play a pivotal role in launching, structuring, and stabilising treasury operations across new Wave markets. This is not a steady‑state operational role. It is a build‑and‑transfer position that requires strong execution capabilities, high autonomy, and the ability to operate effectively in early‑stage, complex environments. You will be accountable for building treasury operations from the ground up in new markets, designing and implementing banking and funding frameworks, ensuring full regulatory and operational readiness at launch, and transferring ownership to local Treasury Managers once markets reach stability.

In this role, you'll:

• Lead end‑to‑end treasury setup in new countries, including banking, funding flows, and controls.
• Partner closely with Legal, Compliance, Finance, and Operations teams to ensure readiness before and after market launch.
• Define and implement local treasury operating procedures aligned with Wave regional hub standards.
• Coordinate with field teams to manage liquidity agents and cash rebalancing activities.
• Act as the primary treasury point of contact throughout the launch and ramp‑up phases.

• Open, structure, and manage local bank accounts (operational, trust, and settlement).
• Negotiate and implement banking services, including wires, cash management tools, fees, and service‑level agreements.
• Ensure treasury operations comply with local banking regulations and central bank requirements.
• Support regulatory filings, approvals, and documentation related to treasury activities.
• Enable smooth and compliant financial operations for cross‑border transactions across multiple regions.

• Design and implement initial funding models, including local and cross‑border structures.
• Execute and oversee early‑stage funding operations until steady‑state processes are established.
• Monitor liquidity risks closely and ensure operational continuity during ramp‑up periods.
• Coordinate cross‑border funding with headquarters, regional hubs, or other markets as required.

• Ensure accurate daily reconciliation of partner funding transactions, with a strong focus on precision and compliance.
• Validate all funding activities promptly, maintaining complete and auditable documentation.
• Oversee partner funding reconciliations in collaboration with the Treasury team, resolving discrepancies efficiently.

• Train and onboard local treasury staff or incoming Treasury Managers.
• Document treasury processes, internal controls, and country‑specific constraints.
• Ensure a structured and effective handover to permanent Treasury Managers once markets stabilise.
• Provide post‑handover support as needed to ensure continuity.
• Define and track stabilisation milestones, including banking reliability, reconciliation accuracy, and reporting autonomy.
• Gradually transition from hands‑on execution to oversight as local teams mature.

• Location is flexible (home country: Ivory Coast with extended stays in launch…