Financial Analyst

About Sezzle:

Established in 2016 and headquartered in Minneapolis, Minnesota, Sezzle Inc. is a publicly traded financial technology company (Nasdaq: SEZL) operating in the United States and Canada. With a mission to financially empower the next generation, Sezzle is revolutionizing the shopping experience beyond payments, blending cutting-edge tech with seamless, interest-free installment plans that make shopping smarter and more accessible. We're not just transforming payments; we're redefining how people discover, interact with, and purchase the things they love while driving real impact on merchant sales through increased conversions and higher order values. Sezzle currently employs approximately 400 employees and contractors, with gross annual revenue exceeding $450 million and net income of more than $133 million (based on our 2025 Annual Report).

About the Role:

We are seeking a talented and motivated Financial Analyst to own and lead bank-specific regulatory reporting as Sezzle builds out its banking operations. This role presents an exciting opportunity to thrive in a dynamic, fast-paced environment within a rapidly growing team, with strong prospects for continued growth and increased ownership.

The Financial Analyst will be the subject matter expert and primary owner of all bank regulatory filings, including Call Reports (FFIEC 031/041/051), and will serve as a key partner to Finance, Legal, Compliance, and executive leadership in ensuring accurate, timely, and compliant regulatory submissions. You will be building the regulatory reporting function from the ground up, establishing processes, controls, and infrastructure that will scale with Sezzle's banking operations.

What You'll Do:

• Own end-to-end preparation and filing of bank regulatory reports, including FFIEC Call Reports (031/041/051), and other required filings with the OCC, FDIC, and other applicable regulators.
• Build and maintain the regulatory reporting framework, including reporting calendars, data sourcing workflows, reconciliation procedures, and internal controls to ensure accuracy and completeness.
• Interpret and apply regulatory reporting instructions (FFIEC, OCC, FDIC, Federal Reserve) to Sezzle's unique business model, ensuring proper classification and reporting of BNPL-related assets, liabilities, income, and capital.
• Monitor and implement changes to regulatory reporting requirements, including new or revised schedules, reporting thresholds, and interpretive guidance.
• Collaborate cross-functionally with Accounting, FP&A, Treasury, Legal, Compliance, and Engineering to source data, resolve reporting questions, and ensure consistency between regulatory filings and GAAP financial statements.
• Support regulatory examinations and audits by providing documentation, responding to examiner inquiries related to Call Report data, and remediating findings as needed.
• Partner with external auditors and consultants on regulatory reporting matters, including agreed-upon procedures and attestation engagements.
• Develop and maintain documentation of regulatory reporting policies, procedures, and methodologies to support SOX compliance and institutional knowledge.
• Leverage technology and automation to improve the accuracy, efficiency, and scalability of the regulatory reporting process. Champion the use of AI and modern tools to streamline data aggregation, validation, and submission workflows.
• Provide regulatory reporting expertise to leadership on the financial reporting implications of new products, strategic initiatives, and changes to Sezzle's banking operations.

What We Look For:

• 5+ years of experience in bank regulatory reporting, with direct hands-on experience preparing and filing FFIEC Call Reports.
• Deep working knowledge of FFIEC reporting instructions, schedules, and regulatory capital calculations.
• Experience with OCC-supervised national banks or de novo bank reporting requirements is a significant differentiator.
• Strong understanding of U.S. GAAP and the ability to bridge between GAAP financial statements and regulatory reporting frameworks.
• Experience building or significantly improving regulatory reporting processes, controls, and infrastructure.
• Proficiency with regulatory reporting software/platforms and advanced Excel skills; experience with data visualization or automation tools is a plus.
• Exceptional attention to detail with a track record of producing accurate, examination-ready regulatory filings.
• Strong communication skills with the ability to translate complex regulatory reporting requirements into clear guidance for cross-functional partners.
• CPA, CFA, or other relevant professional certification preferred.
• Bachelor's degree in Accounting, Finance, or a related field required.
• Demonstrated experience working with Claude or equivalent large language model tools is required; candidates must be comfortable leveraging AI to enhance productivity, research, and communication.

Preferred Qualifications

• Prior experience at a national bank, de novo banking institution, or OCC-regulated entity.
• Experience with regulatory reporting during a bank charter application or early-stage bank operations.
• Familiarity with consumer lending and BNPL reporting considerations within the Call Report framework.
• Experience with SOX 404 compliance as it relates to regulatory reporting controls.
• Background working in fintech, payments, or high-growth technology companies.
• Experience implementing or administering regulatory reporting systems (e.g., Axiom, Wolters Kluwer, or similar).

About You:

• You have relentlessly high standards - many people may think your standards are unreasonably high. You are continually raising the bar and driving those around you to deliver great results. You make sure that defects do not get sent down the line and that problems are fixed so they stay fixed.
• You’re not bound by convention - your success—and much of the fun—lies in developing new ways to do things
• You need action - speed matters in business. Many decisions and actions are reversible and do not need extensive study. We value calculated risk-taking.
• You earn trust - you listen attentively, speak candidly, and treat others respectfully.
• You have backbone; disagree, then commit - you can respectfully challenge decisions when you disagree, even when doing so is uncomfortable or exhausting. You have conviction and are tenacious. You do not compromise for the sake of social cohesion. Once a decision is determined, you commit wholly.
• You deliver results - you focus on the key inputs and deliver them with the right quality and in a timely fashion. Despite setbacks, you rise to the occasion and never settle.

What Makes Working at Sezzle Awesome:

At Sezzle, we are more than just brilliant engineers, passionate data enthusiasts, out-of-the-box thinkers, and determined innovators. We believe in surrounding ourselves with only the best and the brightest individuals. Our culture is not defined by a certain set of perks designed to give the illusion of the traditional startup culture, but rather, it is the visible example living in every employee that we hire. 

 Perks & Benefits: 

• Unlimited PTO, volunteer hours and sabbatical 
• Life, STD/LTD, medical, dental and vision insurance 
• Highly discounted LifeTime gym membership
• 401k with match of 6%
• Collaborative fun co-workers
• The opportunity to join the fastest growing FinTech alongside a team of motivated and driven individuals

Compensation: The compensation range for the role is  $120,000 - $145,000. Our ranges are very broad to accommodate all types of candidates and encourage growth. Specific compensation offered to a candidate may be dependent on factors such as education, experience, qualifications, and alignment with market data. Exceptional candidates may receive salaries outside of the posted ranges.

CCPA Disclosure: Sezzle Inc. is committed to protecting the privacy of our job applicants. In compliance with the California Consumer Privacy Act (CCPA), we inform California residents about the personal information we may collect, the purposes for its collection, and your rights under the CCPA. For details about the categories of personal information we collect and your rights under the CCPA, please visit the California Office of the Attorney General's CCPA page. By submitting your application, you acknowledge that you have read and understood this CCPA disclosure.

Equal Employment Opportunity: Sezzle Inc. is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, pregnancy, or any other legally protected status. Sezzle recognizes and values the importance of diversity and inclusion in enriching the employment experience of its employees and in supporting our mission.