Chief Financial Officer at TabaPay in Palo Alto, CA

Job description

Who We Are The world is moving towards instant digital payments and TabaPay is leading the way. We help thousands of Fintechs in the US and Canada instantly move money in and out of accounts and we are actively expanding into other countries. Our customers represent the hottest verticals in the financial service industry such as neobanks, challenger brokers, gaming and wallets. TabaPay is a highly profitable rocketship that processes billions of dollars each year. To learn more visit www.tabapay.com. TabaBank is seeking an experienced Chief Financial Officer to lead the Bank’s financial strategy, planning, treasury, capital, liquidity, accounting, regulatory reporting, pricing, and Payments & Settlement Operations. The CFO will be a key member of the Bank’s executive leadership team and will play a critical role in building and scaling the financial infrastructure of a payments-focused national bank. The ideal candidate brings deep expertise in bank finance, treasury, capital, liquidity, and accounting, combined with practical experience in payments, merchant acquiring, settlement, and high-volume money movement. This is not a traditional community-bank CFO role. The successful candidate will understand the unique financial, liquidity, settlement, operational, and counterparty risks created by significant payment volumes. Key Responsibilities Financial Strategy & Performance Lead the Bank’s financial strategy, budgeting, forecasting, long-range planning, and performance management. Own pricing strategy, product and client economics, profitability analysis, and financial modeling. Evaluate new products, partnerships, investments, and strategic initiatives from financial, capital, liquidity, and risk-return perspectives. Establish financial KPIs and provide actionable insights to executive leadership and the Board. Support strategic planning, corporate development, and M&A activities as appropriate. Treasury, Capital & Liquidity Lead capital planning, treasury, liquidity, balance-sheet management, and First Line financial risk management. Oversee capital adequacy, liquidity forecasting and stress testing, funding strategy, investments, deposits, and banking relationships. Ensure sufficient intraday, overnight, weekend, and contingent liquidity to support payment and settlement obligations. Establish appropriate financial risk limits, controls, monitoring, and escalation mechanisms in partnership with the Chief Risk Officer. Payments & Settlement Operations Own the Bank’s Payments & Settlement Operations function, including merchant and Payment Facilitator settlement, card-network settlement, ACH, Fedwire, FedNow, RTP, clearing accounts, prefunding, FBO structures, and merchant reserves. Ensure effective reconciliation, controls, exception management, escalation, and operational resilience across payment and settlement activities. Build scalable processes and infrastructure to support significant transaction-volume growth. Partner with Product, Technology, Risk, Compliance, and TabaPay to ensure new and existing payment products are supported by appropriate settlement, accounting, liquidity, and risk processes. Accounting & Regulatory Reporting Oversee accounting, controllership, financial reporting, tax, and financial controls. Ensure accurate and timely GAAP financial statements and applicable regulatory reporting, including Call Reports and other OCC, FDIC, and Federal Reserve reporting. Maintain effective reconciliation and internal control environments across banking, payment, settlement, and deposit activities. Oversee accounting policies and reporting related to payment activity, deposits, reserves, interchange, network fees, settlement obligations, and other bank operations. Board & Regulatory Engagement Serve as the senior financial-management contact with the OCC and other applicable regulators. Lead Finance, Treasury, Capital, Liquidity, and Payments & Settlement Operations engagement during regulatory examinations. Pr