Fractional placement
Embedding fractional execution inside an automated fintech finance stack
Debit & Co operates as a 7–8 hour weekly fractional partner inside a New York fintech’s Rippling + Betterment + Modern Treasury stack, handling payroll, benefits, and payment operations with zero delays and no added internal overhead.
Industry
Fintech
Company size
Small team
Annual revenue
Not disclosed
Engagement
Ongoing · 7–8 hrs/week
01 · Where we found them
The challenge.
Masterworks is a New York City-based fintech firm with a heavily automated financial stack. Even with strong automation in place, the team required specialised operational oversight for payroll processing through Rippling, 401k contribution coordination through Betterment, employee onboarding and offboarding workflows requiring controller approval, and payment operations reconciliation in Modern Treasury via Airtable. The work needed precision, multi-platform familiarity, and a partner who could work inside the existing stack without creating additional management burden.
02 · What we did
Our approach.
Debit & Co worked within Masterworks’ already-standardised financial operations and partnered with the client’s business analyst to execute payroll, benefits, and payment operations on a fixed weekly cadence.
- Processed bi-weekly payroll through Rippling with minimal client touch
- Coordinated timely 401k contributions through Betterment
- Managed employee onboarding and offboarding workflows with controller approvals
- Reconciled payment orders in Modern Treasury on a daily cadence
- Managed transaction approvals through Airtable-integrated workflows
- Handled exceptions for payments requiring manual review or additional approval
03 · What changed
The results.
Payroll errors
Zero
Across Rippling +
Betterment cycles
Cadence
Bi-weekly
Payroll + 401k
on schedule
Engagement
7–8 hrs/wk
Focused fractional
execution
04 · What continues
Ongoing impact.
Debit & Co continues to support Masterworks as a fractional accounting operations partner. The engagement reflects the firm’s role replacement and augmentation model: the client retains strategic oversight while Debit & Co handles specialised execution across payroll, benefits, treasury, and approval workflows.
- Bi-weekly payroll processing through Rippling
- 401k contribution coordination through Betterment
- Employee onboarding and offboarding workflows
- Daily payment operations reconciliation in Modern Treasury
- Exception handling for transaction approvals
“Automation does not eliminate the need for accounting operations — it changes the shape of it. The right partner runs the workflows inside the stack, not around it, and leaves strategic oversight with the client.”
— Insight
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