Chief Financial Officer (CFO) — Tokenised Gold ARVA Issuer | VARA-Authorised | Dubai, UAE

About AUM Fintech

The Opportunity

Key Responsibilities

• Own the firm’s financial governance framework, internal controls, and accounting policies in line with IFRS and the VARA Company Rulebook;
• Maintain ongoing compliance with VARA’s prudential and capital adequacy requirements, including base capital, ongoing capital, liquidity, and wind-down funding obligations;
• Design and operate the firm’s financial control environment, including segregation of duties, treasury controls, expense authorisation, and reserve management;
• Lead the audit relationship - selection, engagement, planning, and delivery of the firm’s annual statutory audit and any VARA-mandated assurance engagements;
• Oversee preparation and timely submission of all VARA regulatory financial returns, prudential reporting, and audited financial statements;
• Own the firm’s budgeting, forecasting, and financial planning cycle, including scenario modelling for product launch, token issuance volumes, and reserve economics;
• Maintain treasury policy and oversight of operational cash, fiat reserves, and segregated client money or token reserve accounts in coordination with custodians and banking partners;
• Provide financial sign-off on new products and material business changes, including capital impact assessments and reserve adequacy reviews;
• Lead corporate finance workstreams across the group - fundraising support, investor reporting, intercompany arrangements, and transfer pricing across ADGM, DIFC, DWTC, and DMCC entities;
• Manage tax compliance across UAE Corporate Tax, VAT, and economic substance requirements, coordinating with external advisors;
• Deliver Board-level financial reporting, including monthly management accounts, quarterly Board packs, and the Annual Financial Statements;
• Maintain the firm’s banking, custody, and payment service provider relationships, ensuring continuity of critical financial infrastructure;
• Coordinate with the CCO, MLRO, and CRO on financial crime controls, sanctions screening of counterparties, and risk-based onboarding of banking partners.

Required Qualifications

• and Experience
• Minimum 10-12 years’ finance experience in regulated financial services, fintech, or virtual assets, with at least 4 years in a senior finance role (CFO, Deputy CFO, Finance Director, or equivalent);
• Qualified accountant - ACA, ACCA, CPA, CA, or equivalent recognised professional qualification - in good standing;
• Prior approval - or clear approvability - by a recognised regulator: VARA, DFSA, FSRA (ADGM), CBUAE, FCA, MAS, FINMA, BaFin, or equivalent;
• Demonstrable working knowledge of the VARA Company Rulebook prudential framework and Category 1 ARVA capital adequacy obligations;
• Direct experience with virtual assets, tokenisation, stablecoins, or digital asset custody - including reserve management, proof-of-reserves frameworks, or attestation processes;
• Deep IFRS technical fluency, including IAS 32 / IFRS 9 (financial instruments), IFRS 15 (revenue), and the accounting treatment of digital assets and tokenised instruments;
• Proven track record managing Big Four audit relationships and delivering clean audit outcomes;
• Strong working knowledge of UAE Corporate Tax, VAT, transfer pricing, and economic substance requirements across UAE free zones and financial free zones;
• Bachelor’s degree minimum; CFA, MBA, or finance-related postgraduate qualification preferred;
• Clean regulatory and criminal record - no censures, prohibitions, or material disciplinary findings;
• UAE residency or genuine willingness to relocate to Dubai

Candidate Profile

• VARA assesses candidates across honesty and integrity, competence and capability, and financial soundness.
• We are looking for someone who will demonstrate:
• Honesty and integrity - Unblemished professional record, transparent personal financial standing, no undisclosed conflicts, and a documented history of acting in the regulatory interest even when commercially inconvenient;
• Competence and capability - Specific, evidenced VA/fintech/banking finance experience that can be articulated in regulator-grade detail; an ability to discuss capital adequacy, reserve accounting, and tokenised-asset financial reporting precisely rather than in generalities; a track record of building (not just inheriting and administering) finance functions;
• Financial soundness - Personal financial affairs that withstand regulator scrutiny, with no undischarged bankruptcies, judgement debts, or patterns of default;
• Independence of mind - The seniority and political capital to challenge the founders, CEO, and Board on capital, reserves, and financial risk when required;
• Local regulatory fluency - Direct prior engagement with a UAE regulator is strongly preferred; established working relationships within the VARA, ADGM FSRA, DFSA, or CBUAE ecosystem are a significant advantage;
• Stamina - Comfort operating in a regulated start-up environment where rulebook interpretation, capital planning, and launch execution are happening in parallel.

What We Offer

• A foundational seat at a serious institutional virtual asset issuer at the moment of regulatory ignition;
• Direct Board exposure and meaningful long-term participation (subject to role and grade);
• Competitive, UAE-tax-free compensation package;
• A multi-jurisdictional remit across the UAE’s leading financial centres;
• The opportunity to build the finance function for one of the region’s flagship tokenised real-world asset platforms.

How to Apply