At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs.

If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value.

THE WORK

Join Ripple Labs Inc., where we are revolutionizing the financial world with our crypto solutions! As a Senior Accountant based in Chicago, you'll play a vital role in our bold journey to deliver outstanding financial services.

WHAT YOU’LL DO

Broker-Dealer Accounting and Regulatory Reporting:

Prepare and maintain the firm’s FOCUS Report filings, including net capital computations and customer reserve calculations.
Maintain the general ledger for the broker-dealer entity, running month-end close, account reconciliations, and journal entries.
Compute and monitor aggregate indebtedness ratios and net capital, flagging early warning thresholds to the CFO.
Support financial reporting for Stock Loan and Stock Borrow activity, including matched-book profit and loss and liquidity treatment.

Digital Asset Finance and Accounting:

Handle month-end accounting for digital asset positions, incorporating mark-to-market valuations and custody reconciliations.
Apply and document accounting policies for digital assets consistent with evolving U.S. GAAP mentorship.
Reconcile on-chain and off-chain positions against custodian statements and internal trading system data.
Provide support for accounting related to digital asset lending, repo, and collateral arrangements.

Financial Reporting and Controls:

Assist in preparation of monthly and quarterly financial statements for broker-dealer and holding company entities.
Support external auditors during annual financial statement audits.
Maintain and improve internal control procedures, including SOD documentation and reconciliation sign-off protocols.
Participate in systems and process improvement initiatives.

WHAT YOU'LL BRING

Required:

Bachelor’s degree or equivalent experience in Accounting, Finance, or a related field; CPA license or active candidacy strongly preferred.
3–6 years of accounting experience, with exposure to broker-dealer accounting, financial services, or public accounting.
Working knowledge of SEC Rules 15c3-1 and 15c3-3, FINRA financial reporting requirements, and FOCUS Report preparation.
Proficiency in U.S. GAAP financial reporting.
Strong Excel skills; experience with general ledger systems.
High attention to detail and ability to prioritize multiple tasks.

Preferred:

Background in handling digital asset accounting.
Experience supporting FINRA or SEC regulatory examinations.
Familiarity with prime brokerage or cleared derivatives accounting.
Exposure to Stock Loan/Stock Borrow accounting.
Experience with intercompany accounting across multi-entity structures.

Proficiencies

Technical Expertise: Strong knowledge of broker-dealer accounting standards and a keen interest in achieving comparable proficiency in digital asset accounting frameworks.
Regulatory Acumen: Ability to interpret and apply financial requirements and translate them into accurate financial records.
Analytical Rigor: Comfortable working with large datasets and building reconciliation frameworks.
Communication: Able to clearly detail and present accounting positions.
Adaptability: Thrives in a constantly evolving environment.
Integrity: Maintains the highest standards of accuracy and independence in financial reporting.

WHO WE ARE

Do Your Best Work

The opportunity to build in a fast-paced start-up environment with experienced industry leaders
A learning environment where you can dive deep into the latest technologies and make an impact. A professional development budget to support other modes of learning.
Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team.
In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in.
Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team
We come together for moments that matter which include team offsites, team bonding activities, happy hours and more!

Take Control of Your Finances

Competitive salary, bonuses, and equity
Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support
Employee giving match
Mobile phone stipend

Take Care of Yourself

R&R days so you can rest and recharge
Generous wellness reimbursement and weekly onsite & virtual programming
Generous vacation policy - work with your manager to take time off when you need it
Industry-leading parental leave policies. Family planning benefits.
Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events

Benefits listed above are for full-time employees.

Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance. Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.