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.