CFO (Chief Financial Officer)

What you will lead

· Own the Bank’s finance and accounting function, including financial reporting, close, reconciliations, accounting policies, and the integrity of financial records.

· Lead annual budgeting, forecasting, long-range planning, management reporting, and performance analysis across the Bank and relevant Group entities.

· Provide the Board, relevant Board committees, CEO, and senior leadership with clear analysis of financial performance, cash requirements, risks, trends, and strategic alternatives.

· Oversee the timely preparation of financial statements and applicable regulatory financial reports in accordance with US GAAP and relevant regulatory requirements.

· Monitor capital, liquidity, leverage, solvency, and funding needs, and maintain forward-looking forecasts under expected and stressed scenarios.

· Coordinate external audits and support regulatory examinations, information requests, remediation activities, and financial aspects of licence and governance requirements.

· Maintain an effective financial-control environment, including appropriate approval authorities, segregation of duties, reconciliations, documentation, and escalation procedures.

· Oversee treasury, cash management, intercompany balances, tax coordination, accounts payable, and relationships with finance-related service providers.

· Evaluate the financial implications of new products, partnerships, investments, and other strategic initiatives.

· Develop and mentor the finance team, establish clear accountability, and build scalable processes and systems as the business grows.

· Partner with Compliance, Risk, Operations, Technology, Product, and other functions while preserving clear ownership and independent control responsibilities.

What we consider essential

· At least 5 years of progressive finance and accounting experience, including meaningful responsibility for a complete finance function or a substantial part of one.

· Demonstrated ownership of financial reporting, closing, budgeting, forecasting, internal controls, and audit coordination.

· Experience in banking, regulated financial services, fintech, payments, public accounting serving financial institutions, or another highly regulated environment.

· Strong knowledge of US GAAP and the ability to translate complex financial matters into clear business decisions.

· Experience communicating with senior executives, Boards or Board committees, external auditors, regulators, and professional advisers.

· Strong leadership, judgment, organization, and the ability to operate effectively in a growing and evolving business.

· Professional fluency in English. Spanish is strongly preferred for the Puerto Rico-based role.

· Ability to work regularly from San Juan and maintain an effective local presence with the Bank, regulators, auditors, and business stakeholders.

Qualifications that would strengthen your candidacy

· Active CPA licence, preferably in Puerto Rico.

· Direct experience with OCIF or another US banking regulator, including examinations or regulatory financial reporting.

· Hands-on experience with regulatory capital, liquidity planning, treasury, funding, and stress testing.

· Experience with multi-entity or cross-border financial reporting and consolidation.

· Previous leadership experience in a digital bank, international financial entity, payments company, fintech, or high-growth financial-services business.

· A master’s degree in accounting, finance, business administration, economics, or a related field.

Qualifications that would strengthen your candidacy

· Active CPA licence, preferably in Puerto Rico.

· Direct experience with OCIF or another US banking regulator, including examinations or regulatory financial reporting.

· Hands-on experience with regulatory capital, liquidity planning, treasury, funding, and stress testing.

· Experience with multi-entity or cross-border financial reporting and consolidation.

· Previous leadership experience in a digital bank, international financial entity, payments company, fintech, or high-growth financial-services business.

· A master’s degree in accounting, finance, business administration, economics, or a related field.

· A senior executive position reporting to the Board of Directors, with direct access to relevant Board committees and close partnership with the CEO.

· The opportunity to shape the finance function of a growing international digital bank.

· A broad mandate spanning financial leadership, planning, controls, regulatory finance, and strategic decision support.

· Competitive compensation and benefits, aligned with experience and the final scope of the role.

· The opportunity to build scalable processes and influence the Bank’s next phase of development.