Chief Financial Officer

About the RoleThe Chief Financial Officer will serve as the Bank’s senior finance executive, responsible for all aspects of financial management, reporting, and control.The CFO will be a key executive officer of the Bank, responsible for maintaining relationship with the regulators (OCC/FRB), financial and managerial reporting, regulatory filings, monitoring policy/regulatory limits (liquidity, capital, NII/EVE, etc.), board-level financial communication, tax, audit, and internal controls.ResponsibilitiesFinancial Reporting & Regulatory FilingsOwn all financial statement preparation under U.S. GAAP, including monthly, quarterly, and annual reporting packagesLead the preparation and filing of regulatory reports: Call Reports, FR Y-9, and other OCC/FDIC/Federal Reserve filingsManage the external audit relationship and coordinate annual audit and regulatory exam preparationEnsure timely, accurate, and regulator-ready financial information at all timesBudgeting, Forecasting & Variance AnalysisOwn the annual budget process and rolling forecasts; present plan-vs-actual variance analysis with clear driver attribution (volume, margin, mix, cost) to the CEO and BoardDevelop and maintain the Bank’s financial model, including scenario analysis for capital planning and stress testingTrack and report on strategic plan execution; quantify risks and gaps against plan targetsCapital & Regulatory InterfaceCompute and monitor all regulatory capital ratios (Tier 1 Leverage, CET1, Total Capital to RWA); ensure compliance with OCC minimums and Board-approved internal targetsServe as a primary point of contact for OCC examiners on financial condition, capital adequacy, and accounting mattersCoordinate with Treasury/ALM on liquidity and capital-related impacts of balance sheet decisions; provide independent financial perspective to the CEO and BoardTax & Accounting PolicyOversee federal and state income tax planning, compliance, and reportingCoordinate with Credit Risk team on CECL (current expected credit loss) methodology, assumptions, and allowance adequacyEvaluate and implement accounting policy changes; ensure compliance with evolving GAAP and regulatory guidanceBoard & Committee ReportingPrepare and present monthly financial packages for the Board of Directors, Audit Committee, and Risk CommitteeProduce materials suitable for investor, rating agency, and regulatory audiences as neededEnsure all financial communication meets the standard of external scrutiny: neutral, factual, and preciseInternal Controls & OperationsMaintain and strengthen the Bank’s internal control environment over financial reportingOversee accounts payable, general ledger, fixed assets, and financial operationsManage finance team staffing, development, and workflow as the Bank scalesHead office integration and managerial reportingLead the integration with head office on all aspects of Finance (accounting, managerial, capital, etc.)Qualifications10+ years of progressive finance experience in U.S. banking, with at least 5 years in a CFO, Deputy CFO, or Controller role at an OCC-regulated national bankDirect experience with OCC regulatory examinations and regulatory financial filings (Call Reports, capital calculations)Deep knowledge of U.S. GAAP as applied to banking, including CECL, investment accounting, and loan accountingExperience preparing financial materials for a Board of Directors and/or Board committeesDemonstrated ability to manage external audits and coordinate with regulatory examinersCPA preferred