Job Description

Overview

The Chief Financial Officer (CFO) is responsible for overseeing the company’s financial strategy, planning, and operations in support of sustainable growth, operational discipline, and regulatory credibility. The CFO provides executive leadership over accounting, financial reporting, budgeting, forecasting, and financial controls, ensuring the organization maintains strong financial governance appropriate for a fintech serving credit unions. The CFO operates as both a strategic advisor and hands‑on financial leader, partnering closely with executive leadership, Engineering, Compliance, and external advisors to support growth, audits, and client due diligence.

Supervisory Responsibilities

• Provides leadership and oversight for the Accounting and Finance functions.
• Manages internal accounting staff and external vendors (e.g., accounting firms, tax advisors).
• Oversees budget preparation, financial controls, and audit coordination.
• Collaborates with department leaders to monitor financial performance and resource allocation.

Duties and Responsibilities

• Directs the preparation and review of all financial statements, including income statements, balance sheets, cash flow statements, and management reports.
• Oversees budgeting, forecasting, and financial planning processes, including variance analysis and recommendations for corrective action.
• Ensures timely and accurate tax filings and compliance with applicable federal, state, and local requirements.
• Establishes and maintains financial controls, policies, and procedures aligned with audit and SOC expectations.
• Partners with executive leadership to support strategic planning, prioritization, and resource allocation.
• Analyzes operational and financial data to identify opportunities for efficiency, scalability, and cost optimization.
• Supports pricing models, contract reviews, and revenue recognition practices appropriate for SaaS and fintech environments.
• Oversees cash management, banking relationships, and capital planning.
• Works with external partners, investors, or lenders as needed to support financing or growth initiatives.
• Supports client due diligence requests related to financial stability and controls.
• Monitors economic and industry trends relevant to fintech and credit unions and advises leadership accordingly.
• Leads changes to the company’s legal entity structure, including subsidiary formations, corporate reorganizations, and entity conversions.
• Directs mergers and acquisitions activity, including target evaluation, financial due diligence, deal structuring, transaction execution, and post‑merger integration.
• Performs other related duties as assigned.

Required Skills and Abilities

• Strong leadership, management, and financial governance skills.
• Excellent analytical, organizational, and problem‑solving abilities.
• Deep understanding of accounting principles, financial reporting, and budgeting.
• Experience with financial systems and accounting software appropriate for growth‑stage companies.
• Ability to communicate financial concepts clearly to non‑financial stakeholders.
• High level of integrity, discretion, and judgment.
• Ability to operate effectively in a fast‑paced, regulated fintech environment.
• Proficient in Google Workspace or similar software.

Education and Experience

• Master’s degree in Business Administration, Accounting, Finance, or a related field preferred.
• 10 or more years of progressive experience in finance or accounting, including leadership responsibility.
• Experience in fintech, SaaS, or financial services, particularly within banking or credit union environments, strongly preferred.
• Certified Public Accountant (CPA) designation preferred but not required.

Physical Requirements

Prolonged periods sitting at a desk and working on a computer.

Must be able to lift up to 15 pounds at times.

What We Offer

• Company‑paid medical, dental, and vision insurance for employees
• Company‑paid life and AD&D insurance
• Company‑paid short‑ and long‑term disability
• Flexible Spending Accounts (FSA)/ Dependent Care Spending Account (DCSA)

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