About the Role

The 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.

Responsibilities

Financial Reporting & Regulatory Filings

Own all financial statement preparation under U.S. GAAP, including monthly, quarterly, and annual reporting packages
Lead the preparation and filing of regulatory reports: Call Reports, FR Y-9, and other OCC/FDIC/Federal Reserve filings
Manage the external audit relationship and coordinate annual audit and regulatory exam preparation
Ensure timely, accurate, and regulator-ready financial information at all times

Budgeting, Forecasting & Variance Analysis

Own 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 Board
Develop and maintain the Bank’s financial model, including scenario analysis for capital planning and stress testing
Track and report on strategic plan execution; quantify risks and gaps against plan targets

Capital & Regulatory Interface

Compute and monitor all regulatory capital ratios (Tier 1 Leverage, CET1, Total Capital to RWA); ensure compliance with OCC minimums and Board-approved internal targets
Serve as a primary point of contact for OCC examiners on financial condition, capital adequacy, and accounting matters
Coordinate with Treasury/ALM on liquidity and capital-related impacts of balance sheet decisions; provide independent financial perspective to the CEO and Board

Tax & Accounting Policy

Oversee federal and state income tax planning, compliance, and reporting
Coordinate with Credit Risk team on CECL (current expected credit loss) methodology, assumptions, and allowance adequacy
Evaluate and implement accounting policy changes; ensure compliance with evolving GAAP and regulatory guidance

Board & Committee Reporting

Prepare and present monthly financial packages for the Board of Directors, Audit Committee, and Risk Committee
Produce materials suitable for investor, rating agency, and regulatory audiences as needed
Ensure all financial communication meets the standard of external scrutiny: neutral, factual, and precise

Internal Controls & Operations

Maintain and strengthen the Bank’s internal control environment over financial reporting
Oversee accounts payable, general ledger, fixed assets, and financial operations
Manage finance team staffing, development, and workflow as the Bank scales
Head office integration and managerial reporting
Lead the integration with head office on all aspects of Finance (accounting, managerial, capital, etc.)

Qualifications

10+ 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 bank
Direct 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 accounting
Experience preparing financial materials for a Board of Directors and/or Board committees
Demonstrated ability to manage external audits and coordinate with regulatory examiners
CPA preferred

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