Chief Financial Officer

Heritage-Federal-Credit-Union; City of Newburgh (NY); On-site; USD 180,000 - 260,000; Full time

Job summary

Heritage Federal Credit Union seeks a strategic Chief Financial Officer to lead accounting, finance, treasury, and risk management. The role partners with the CEO and Board to steer long-term financial performance and regulatory compliance across multiple markets.

You will develop financial strategies, oversee budgeting and forecasting, and present insights to executives. This leadership position demands 12–18 years in banking/credit unions and CPA credentials are preferred.

Qualifications

• Bachelor's degree in Accounting, Finance, or related field required.
• Master's degree and CPA preferred.
• Minimum 12-18 years of progressive leadership in banking or credit union.
• Executive-level experience in accounting, finance, treasury, and enterprise strategy.

Responsibilities

• Develop and execute financial strategies aligned with growth and performance.
• Advise CEO, executive team, and Board on financial strategy and risk.
• Lead financial analysis to support investments and expansion.
• Maintain a three-year Accounting & Finance roadmap.
• Oversee accounting, reporting, systems, and data integrity under GAAP/regulations.
• Provide accurate statements, regulatory reporting, dashboards, and insights.
• Lead budgeting, forecasting, planning, profitability analysis.
• Direct treasury, liquidity, ALM strategies to optimize performance.
• Ensure liquidity management and regulatory compliance.
• Liaise with regulators, auditors, external partners.
• Present results and recommendations to the Board.
• Support development of financial products and vendor contracts.

Skills

GAAP expertise

ALM & treasury

Budgeting & forecasting

Regulatory compliance

Leadership & communication

Data analysis

Education

Bachelor's degree in Accounting/Finance

Master's degree and CPA preferred

Job description

Description

Heritage Federal Credit Union, a Readers' Choice Best Credit Union gold award recipient, is growing thanks to the focus on helping our members and community. At Heritage, we foster a dynamic and collaborative environment where your contributions truly make a difference. We are searching for a Chief Financial Officer to join our amazing team!

Heritage Federal Credit Union is seeking a strategic and collaborative Chief Financial Officer (CFO) to join our executive leadership team. The CFO provides leadership and oversight of the credit union's accounting, finance, treasury, investments, budgeting, forecasting, asset-liability management, liquidity, and financial reporting functions while helping drive the organization's long-term strategic success.

What you'll do:

• Develop and execute financial strategies that support organizational goals, growth initiatives, and long-term financial performance.
• Serve as a trusted advisor to the CEO, executive leadership team, and Board of Directors on financial strategy, performance, and risk management.
• Participate in executive committees and lead financial analysis to support strategic decision-making, investments, and business expansion.
• Maintain a three-year Accounting & Finance roadmap encompassing projects, systems, and key initiatives.
• Oversee all accounting, financial reporting, financial systems, and data integrity functions, ensuring compliance with GAAP and regulatory requirements.
• Provide accurate financial statements, regulatory reporting, executive dashboards, and actionable performance insights.
• Lead budgeting, forecasting, financial planning, profitability analysis, and operational efficiency initiatives.
• Direct treasury, liquidity, capital, investment, borrowing, and asset-liability management (ALM) strategies to optimize financial performance and manage risk.
• Ensure appropriate liquidity management, contingency funding readiness, and compliance with NCUA, GAAP, and other applicable regulations.
• Serve as the primary liaison with regulators, auditors, and external financial partners.
• Oversee enterprise financial risk management, including interest rate, credit, and liquidity risk.
• Present financial results, forecasts, and strategic recommendations to the Board of Directors.
• Support development of financial products, services, and business lines, and negotiate key vendor contracts to protect the credit union's financial interests.

Education

• Bachelor's degree in Accounting, Finance, or a related field required.
• Master's degree and CPA preferred.

Experience

• Minimum 12-18 years of progressive leadership experience in the banking or credit union industry.
• Executive-level experience leading accounting, finance, treasury, and enterprise financial strategy.

Skills

• Financial reporting and GAAP expertise
• Asset-liability management (ALM) and treasury management
• Budgeting, forecasting, and strategic planning
• Regulatory compliance and financial risk management
• Strong leadership, communication, and presentation skills
• Ability to analyze complex financial data and drive organizational results

About Heritage Federal Credit Union

Heritage Federal Credit Union is a full-service financial institution with over $1 billion in assets and serves more than 65,000+ members in Gibson, Posey, Warrick, Vanderburgh, Daviess, Knox, Spencer, Pike, Perry, Crawford, Clark, Floyd, or Harrison Counties in Indiana; or Henderson, Daviess, Hopkins, Hancock, Ohio, McLean, Webster, Union, or Crittenden Counties in Kentucky; or Lawrence, Wabash, White, Gallatin or Hardin Counties in Illinois. As a nonprofit, credit unions provide low-cost financial services to their members and are mission driven. Founded in 1965, Heritage Federal is committed to improving daily lives of those we live and work with, providing members the best financial products and services, and giving back to the local communities through donations, sponsorships, and volunteerism. More information regarding Heritage Federal Credit Union can be located at heritagefederal.org.

EOE