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UR is the account layer for the open economy — the regulated infrastructure that lets wallets, developers, and financial platforms give their users a real financial account through one API.
The digital asset economy has wallets. It doesn't have accounts. UR built them.
We combine a personal IBAN, seven on-chain currencies, SEPA and SWIFT rails, Mastercard, and built-in compliance into six modular building blocks — so partners can integrate in days, not years. Where traditional finance stops at the border and digital assets stop at the wallet, UR connects both: identity, money, rules, and data, all composable, all programmable.
240,000+ accounts live. $1.2B+ in deposits. Partners across four continents. A 50-person team spanning 18+ countries, building from Zurich under one of the world's most rigorous regulatory frameworks.
We're moving fast, building in public, and driven by the conviction that open financial rails should be as usable as they are powerful.
The FX & Treasury Operations Manager will ensure we run competitive, efficient, and compliant foreign exchange operations while building out the backbone of our treasury processes.
The north star: get better FX rates for our users and ensure seamless backend settlement.
ResponsibilitiesFX Trading & Rate Management
Negotiate and secure better FX spreads with partner banks/liquidity providers.
Monitor daily FX exposure and execute trades to optimize costs.
Implement hedging strategies where relevant.
Treasury & Settlement Operations
Oversee backend payment operations, including daily reconciliations, settlement flows, and exception handling.
Ensure smooth treasury movements across multiple currencies and accounts with partner bank and other PSPs.
Coordinate with finance on cashflow forecasting and liquidity management.
Risk & Compliance Alignment
Monitor for FX, liquidity, and operational risks; propose mitigation measures.
Work closely with compliance teams to ensure all FX/treasury ops meet regulatory standards.
Process & System Building
Partner with product/engineering to optimize FX rate engines and backend ops tools.
Define and implement SOPs for treasury and trading operations.
Continuously improve efficiency, scalability, and accuracy of settlement processes.
5–8 years in FX trading, treasury ops, or payments treasury (bank, fintech, or PSP background preferred).
Solid understanding of cross-border payment flows, FX markets, and settlement mechanics.
Hands-on in running treasury ops and reconciliations—not just policy-level.
Strong analytical mindset; experience working with liquidity providers, custodians, and banking partners.
If you think you have valuable experience to bring to the organization, but don’t necessarily meet all of the criteria for the role, we still want to hear from you. We consider all applications.
