Be a Part of Something Big

At Alto, we're changing the way people invest for the future.

For too long, only the ultra-wealthy could afford to benefit from alternative investments, and that meant a lot of missed opportunities for everyday investors. Alto was founded on the belief that a diversified portfolio is essential to investing for the future, and that's only possible if everyone can invest in the assets they're truly interested in.

So we created a solution that allows ordinary people to invest their tax-advantaged retirement funds into non-traditional assets, like real estate, startups, securitized artworks, cryptocurrency, and more.

By joining Alto's growing team, you'll be helping to make our mission a reality. And you'll work with some truly unique people who are passionate about what they do.

To learn more about our team and working with us, please visit our Before You Applypage, which features videos of our CEO and other team members answering questions about working at Alto.

Job Summary:

The Financial Operations Manager at Alto will lead a FinOps team that owns and oversees day-to-day financial operations for all of Alto. This leader will ensure accurate, efficient, and compliant processing of incoming and outgoing transactions, investment execution, and transaction reconciliations. This role is critical to maintaining operational excellence, safeguarding financial integrity, and supporting Alto as we go through the next phase of growth. The ideal candidate has proven experience in financial technology or financial services, with expertise in investments, payments, or banking operations. This leader will strategically improve our processes, remove manual steps, and create systems to add leverage to the platform and service clients at scale.

Essential Duties and Responsibilities:

Transaction Processing & Settlement

Manage daily transaction workflows including wires, checks, internal transfers, and investment-related payments.
Book and record tax and check payments.
Process inbound and outbound wires.
Enter and allocate inbound check batches, ensuring accuracy and timely posting.
Address chargebacks, NSF accounts, and related adjustments.

Reconciliations & Financial Controls

Perform daily, monthly, and ad-hoc reconciliations (e.g., bank, cash, transactions).
Manage forfeitures and related account adjustments.
Review and action distributions as required.
Support month-end close by reconciling bank statements and preparing reports.
Oversee write-offs and ensure accurate documentation.

Process Improvement & Cross-Functional Collaboration

Partner with Operations, Product, and Engineering teams to improve financial workflows and system integrations.
Identify and implement process improvements to enhance accuracy, automation, and efficiency
Strategically elevate FinOps processes and execution to allow for servicing customers at scale with AI processes and solutions
Serve as a subject matter expert for financial operations, advising on new initiatives and system enhancements.
Ensure all financial processes comply with regulatory standards, internal policies, and audit requirements.

Leadership Responsibilities:

Manage, mentor, and develop members of the financial operations team.
Establish and maintain best practices, policies, and controls for financial operations.
Act as a liaison between Finance, Operations, Product & Engineering and other business units to ensure seamless financial processing.
Provide training, support, and guidance to team members on new processes, tools, and compliance requirements.
Foster a culture of accountability, accuracy, and continuous improvement.

Education and Experience:

Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
Series 99.
5+ years of experience in financial operations, treasury management, or similar role.
Prior experience in a financial technology (fintech) company or financial services organization (banking, payments, or investments) is required.
Demonstrated experience managing transaction processing, reconciliations, and settlement operations.
Proven experience with monthly close processes, audit preparation, and financial reporting

Required Skills and Abilities:

Strong knowledge of banking operations, payments, and investment transaction flows.
Ability to manage high-volume transaction processing with accuracy and attention to detail.
Experience with reconciliations, settlement systems, and treasury workflows.
Excellent analytical and problem-solving skills.
Strong leadership, organizational, and communication skills.
Ability to thrive in a fast-paced fintech environment, balancing competing priorities while ensuring compliance and accuracy.
Advanced proficiency in Excel and familiarity with accounting/treasury software tools.
Strong sense of ownership and accountability for financial accuracy and timeliness.

Why Alto?

We answered your most pressing questions before you apply here. We are a dynamic and collaborative team, all working towards a common goal. With every interaction, you feel our culture throughout our company. We care about diversity, inclusion, and belonging, and every voice is heard. We also care most about our people. We show it through our actions, and we offer a lot of really great benefits, including:

Open PTO policy encouraging regular time off
Comprehensive health insurance and voluntary benefits (e.g. dental, vision, LTD, pet coverage, etc.) options
HSA contribution match for the HSA-eligible health insurance plan
401(k) with up to 3% company match yearly
Equity as a part of your compensation
Generous paid holiday schedule that allows for at least one 3-day weekend each month
Four to 12 weeks paid parental leave
No-meeting Friday: we aim for zero internal meetings on Fridays to allow for focus time
Quarterly work-from-home stipend to support a fully remote or hybrid work-life

Well, what are you waiting for? Apply already! :)

Alto is an Equal Opportunity Employer and Prohibits Discrimination of Any Kind

Alto is committed to the principle of equal employment opportunity for all employees and to providing employees with a work environment free of discrimination and harassment. All employment decisions at Alto are based on business needs, job requirements and individual qualifications, without regard to race, color, religion or belief, sex (including gender identity, sexual orientation, and pregnancy), family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Alto will not tolerate discrimination or harassment based on any of these characteristics. Alto encourages applicants of all ages.

About Alto

Founded in 2015, AltoIRA aka Alto is a rapidly growing fintech startup based in Nashville, TN. At Alto, we’re building a next-generation platform to provide clients with the tools and opportunities they need to invest retirement funds into alternative assets. We’re empowering everyone to invest in what they choose and supporting their desire to take a more active role in shaping their financial future. The Alto platform streamlines the process for individual investors and advisors to access, research, and invest in alternative assets using retirement funds. It connects investors with private companies, fund managers, and over 50 recognized investment platforms, including Coinbase, Republic, Masterworks, and EquityZen, that offer access to a wide range of alternative assets, including startups, shares in artwork, real estate, cryptocurrency, and more.