Senior Financial Reporting & Compliance Manager - Billing & Collections

This leadership role, reporting to the VP of Billing and Collections, serves as the authoritative source for all billing, collections, and payments performance data at Pie Insurance. The Senior Manager is responsible for delivering accurate, timely, and actionable financial reporting, and for enforcing robust controls and compliance across Pie's Workers' Compensation and Commercial Auto billing operations.

The role encompasses the entire reporting lifecycle—from data extraction and reconciliation to executive-level dashboarding. Key areas of ownership include Accounts Receivable (AR) aging, collections effectiveness, payment lifecycle analytics, bad debt tracking, and audit invoice management. This position provides essential support for month-end close, balance sheet integrity, internal controls compliance, and external audits, requiring close collaboration with Finance, Accounting, Operations, and Product teams.

How You’ll Do It

Core Responsibilities: Financial Reporting & Accounts Receivable (AR) Analytics

• Own the Aged Trial Balance (ATB): Maintain the authoritative ATB, ensuring accuracy, timeliness, and alignment with the Finance department.
• Support Allowance for Doubtful Accounts (AFDA): Provide insights through trend analysis, risk segmentation, and collections performance data.
• Generate Comprehensive AR Reports: Produce detailed AR aging reports segmented by product line, payment method, payment plan, and risk indicators.
• Develop Collections Performance Dashboards: Create weekly and monthly reports on recovery rates, delinquency, payment success/failure rates, NSF/chargeback volumes, and bad debt projections.
• Manage Audit Invoice Reporting: Track premium true-ups, audit payment success rates, and outstanding receivables across all products.
• Deliver Financial Analysis: Prepare trend and variance reporting for Management Business Reviews (MBRs), forecasting, and executive operational reviews.

Payment Lifecycle Management & Cost Analysis

• Establish Payment Source of Truth: Centralize data for all payment activity, including pay-by-pay records, Payment Service Provider (PSP) performance, settlement accuracy, remittances, and recurring payment behavior.
• Ensure Data Integrity: Guarantee 100% accuracy between billable activity, collected payments, and General Ledger (GL) balances.
• Analyze Payment Mix and Costs: Track payment method mix (ACH, credit card, debit card, check), transaction volumes, channel effectiveness, and the total cost of payments (e.g., Stripe fees, chargeback expenses, collection agency commissions).
• Quantify Payment Failures: Assess the financial impact of failed payments, retry logic performance, and down payment effectiveness.
• Monitor Churn & Retention: Analyze billing, collections, and payment behavior impacts on customer retention and churn.

Collections Performance & Strategy Visibility

• Report on Collections Effectiveness: Provide comprehensive reporting on internal vs. third-party collections, including placement effectiveness, recovery rates, and cost-to-collect.
• Track Key Collections Metrics: Monitor NOC rates, payment success rates, policy survival rates, and retention by cohort.
• Analyze Outcomes: Segment collections outcomes by age, balance, payment method, underwriting segment, and agency performance.
• Develop Predictive Models: Build models and scenario analyses to inform collections strategy and resource allocation.
• Identify Bad Debt Risk: Establish early warning indicators for bad debt and support segmentation strategies to maximize recovery.

Month-End Close & System Reconciliation

• Lead Monthly AR Close: Direct monthly activities including AR aging validation and bad debt allowance analysis in collaboration with Accounting.
• Execute Critical Reconciliations: Perform reconciliations between core systems (Zuora, Stripe, Salesforce, PPS, Nexus Audit, and GL).
• Resolve Discrepancies: Identify, investigate, and resolve reconciliation breaks, payment misallocations, and system discrepancies.
• Document Adjustments: Maintain documentation and tracking for premium adjustments, refunds, write-offs, and billing corrections.
• Support Audits: Provide clean data packages and variance explanations for quarter-end and year-end audit requests.

Controls, Compliance & Audit Support

• Execute Internal Controls: Perform Internal controls for financial reporting, including documentation, testing, and remediation of control deficiencies.
• Maintain Balance Sheet Integrity: Establish robust reporting controls and reconciliation frameworks.
• Manage Audit Trails: Maintain comprehensive audit trails for all financial adjustments, write-offs, and manual system interventions.
• Support Audits: Facilitate internal and external audit requests with accurate data samples and process walkthroughs.
• Ensure Compliance: Confirm compliant reporting of unclaimed property, refund reserves, and customer fund handling.
• Identify and Improve Controls: Identify control gaps and recommend improvements to processes, tooling, or policy.
• Document Procedures: Maintain documentation for reporting processes, system access controls, and reconciliation procedures.

Data Quality & System Integration

• Ensure Data Integrity: Uphold data integrity across all billing platforms (Zuora, Stripe, Salesforce, PPS, Nexus Audit).
• Resolve Data Issues: Identify and resolve systematic data issues that compromise financial reporting accuracy.
• Support Modernization: Assist Billing Modernization initiatives by validating data migration, testing new reporting outputs, and documenting updated workflows.
• Enhance Automation: Partner with Product, Engineering, and Data teams to improve automated reporting capabilities.
• Document Methodology: Maintain data dictionaries, field definitions, and reporting methodology documentation.

The Right Stuff

• 7+ years in financial analytics, data reporting, or AR operations  in  technology-driven environments.
• Public accounting (Big 4 or large regional) / consulting experience highly preferred
• Proficiency in SQL for querying enterprise data warehouses and building financial and operational reports directly from structured data sets.
• Hands-on experience building dashboards and executive-level reports in Looker (preferred), Power BI, or Tableau.
• Experience working with enterprise data warehouses and collaborating with Data Engineering or Analytics teams to source, validate, and operationalize financial reporting data.
• Workers' Compensation insurance billing experience is highly advantageous.
• Expert proficiency in Excel/Google Sheets (pivot tables, complex formulas, VLOOKUP/XLOOKUP, data visualization).
• Comfort and fluency working with and manipulating structured and unstructured data sets.
• Exceptional reconciliation skills, with the proven ability to investigate and resolve complex, multi-system discrepancies.
• Experience with billing/payment platforms (Zuora, Stripe, Salesforce preferred) and the ability to extract and analyze data from various sources.
• Working knowledge of GAAP principles, AR fundamentals, and financial controls 
• Knowledge of internal control program compliance requirements and financial audit processes.
• Demonstrated experience reconciling complex payment ecosystems (PSPs, remittances, recurring payments).
• Highly analytical, detail-oriented mindset with an unwavering commitment to data accuracy.
• Excellent communication skills, capable of translating technical findings for non-technical audiences and creating high-level executive dashboards.
• Comfortable building structure and clarity in ambiguous or nascent environments.

The use of AI in Application Review: To support a fair, efficient, and consistent hiring process, we use AI-powered tools to assist in the initial screening of applications. These tools help us identify qualifications and prior work experiences that align with the requirements of the role. We may also use AI assistant video tools during interviews to support note-taking and candidate evaluation. All AI-powered outputs are still subject to human oversight and decision-making at multiple stages of the process. By submitting your application, you acknowledge and consent to Pie utilizing these AI technologies to assist in our evaluation process.