CFO (Chief Financial Officer)

Arival Bank International; San Juan (PR); On-site; USD 180,000 - 260,000; Full time

Job summary

Arival Bank International is seeking a senior financial leader to own the finance and accounting function, oversee budgeting, planning and reporting, and provide strategic financial guidance to the Board and senior leadership.

You will manage regulatory reporting under US GAAP, capital and liquidity planning, audits, and cross-functional collaboration to scale the finance function for growth in a regulated banking environment.

Qualifications

• Demonstrated ownership of financial reporting, closing, budgeting, forecasting, internal controls, and audit coordination.
• Experience in banking or regulated financial services, fintech, or similar highly regulated environments.
• Strong knowledge of US GAAP and ability to translate complex finance into clear business decisions.
• Experience communicating with Boards, regulators, auditors, and senior executives.
• Proven leadership, judgement, organization, and ability to scale finance functions.
• Professional fluency in English; Spanish preferred for Puerto Rico-based role.

Responsibilities

• Own the Bank’s finance and accounting function, including reporting, close, reconciliations, policies, and records integrity.
• Lead annual budgeting, forecasting, long-range planning, management reporting and performance analysis.
• Provide the Board and senior leadership with clear analyses of performance, cash needs, risks, and strategies.
• Oversee timely preparation of financial statements and regulatory reports under US GAAP.
• Monitor capital, liquidity, leverage, solvency and funding with forward-looking forecasts.
• Coordinate external audits and support regulatory examinations and governance requirements.
• Maintain effective financial controls, approvals, reconciliations, documentation, and escalation procedures.
• Oversee treasury, cash management, intercompany balances, tax coordination and AP.
• Evaluate financial implications of new products, partnerships and strategic initiatives.
• Develop and mentor the finance team; build scalable processes and systems as the business grows.
• Partner with Compliance, Risk, Operations, Technology, Product and others while preserving control ownership.

Skills

Financial reporting

Budgeting & forecasting

Internal controls

Audit coordination

Executive communication

Leadership & team building

Analytical reasoning

Strategic financial planning

Education

CPA licence (Puerto Rico preferred)

Master’s degree in accounting/finance or MBA

Job description

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.