The Company  

Cover Genius is a Series E insurtech that protects the global customers of the world’s largest digital companies including Booking Holdings, owner of Priceline, Kayak and Booking.com, Intuit, Uber, Ryanair, Turkish Airlines, Descartes ShipRush, Zip and SeatGeek. We’re also available at Amazon, Flipkart, eBay, Wayfair and SE Asia’s largest company, Shopee. Our partners integrate with XCover, our award-winning insurance distribution platform, to embed protection for millions of customers worldwide each year.

Our team and products have been recognized with dozens of awards including by the Financial Times which ranked Cover Genius as the #1 fastest-growing company in APAC in 2020. Our diverse team across 20+ countries and many language groups commit itself to diverse cultural programs, in particular “CG Gives” which makes social entrepreneurs out of us all and funds development initiatives in global communities.

Our People are

Bold, Authentic, Purposeful and Inspired

Our People are not

Perfect, Traditional, Complacent or Cautious

About the role

We are seeking a detail-oriented Senior Financial Accountant / Reconciliation and Settlement Analyst to join our global financial operations in respect to our underwriter reporting and settlements. This role is a key position in the team and is responsible for ensuring the accuracy, completeness, and timeliness of financial reconciliation, settlement processing, underwriter reporting, and exception handling.

The ideal candidate understands insurance premium flows, commission netting mechanics, chargeback and refund offset logic, settlement timing, ledger management, and cash conversion impacts. This role sits in Financial Operations and owns day-to-day financial operations for a portfolio of underwriters across jurisdictions globally.

Key Responsibilities:

• Underwriter settlement cycle execution (daily/weekly/monthly)

  • Prepare carrier bordereau and settlement statements (premium payable, claims offsets, carrier-funded expenses, true-ups) and validate completeness.

  • Own the reconciliations of carrier settlement files to internal sub-ledger sources (BigQuery / data warehouse outputs), NetSuite postings, and bank/payment activity.

  • Ensure consistent cutoffs and settlement calendars are followed per carrier contract terms

• Controls, audit trail, and SOPs

  • Execute defined controls for settlement accuracy (checklists, reconciliations, tie-outs) and retain evidence.

  • Ownership of underwriter accruals on balance sheet and reconciliation against actual payments.

  • Maintain and improve SOPs so recurring issues become systemised fixes.

  • Ownership of relationships with underwriters from an accounting standpoint.

• Continuous improvement (reduce manual work)

  • Identify repeat break patterns and propose automation or process fixes.

  • Contribute requirements and test cases for Data Ops / Product improvements (e.g., unique identifiers, PSP reporting, settlement file standardization).

To help us level up, you'll ideally have:

• 7+ years in financial operations and financial reporting in global companies.

• Deep understanding of global accounting complexities- FX, consolidations, intercompany.

• Demonstrated experience reconciling multi-source transactional data (bank statements, processor reports, internal sub-ledger, ERP).

• Strong data literacy: comfort working with large datasets; ability to spot patterns and isolate root causes.

• Advanced spreadsheet skills (pivots, lookups, structured reconciliation templates).

• Comfortable writing crisp communication and working directly with external counterparties.

• High standards for controls, accuracy, and audit trail discipline.

• Fluency in English (written and spoken)

• US GAAP experience preferred but not essential

• Experience with chargebacks/refunds, payout cycles, multi-currency settlement, or principal/agent netting preferred but not essential

Why Cover Genius?  

Cover Genius not only cares about being the best in our industry, we care about our team. We’re a business that understands life can be fluid and so we flex to ensure we provide the environment to suit that. What does that mean?  

• Flexible Work Environment - Our teams are hybrid. We work from home on a Wednesday and Thursday and attend the office on Monday, Tuesday and Friday with flexibility around start/finish times.

• Employee Stock Options - we want our people to share in our success, we reward them with ownership for their contribution in creating a world-class company.

• Work with like-minded people who are passionate about both the work we're doing and giving back. Our CG Gives programs enables us to all become philanthropists through our peer recognition and rewards system.

• Social Initiatives - pictures speak a thousand words!

Sound interesting? If you think you have the best composition of the above, send us your resume and let's chat!

* Cover Genius promotes diversity and inclusivity. We don't tolerate discrimination, demeaning treatment of anyone, or harassment due to race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other legally protected status.

By submitting your application, you acknowledge that we may collect, store and process your personal data for recruitment purposes. To ensure a fair evaluation, we may use AI to assist in sorting applications, but all final decisions are made by our hiring team and no candidate dispositions are automated. We will keep your information on file for three years from the date of your application. For detailed information about how we handle your data and our use of AI, please review our full Privacy Policy.