Treasury & ALM Leader: Liquidity, Funding, Strategy

TabaPay

Palo Alto (CA)

On-site

USD 153,000 - 207,000

Full time

13 days ago

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Benefits offered by this job

Health insurance

401K Matching

Generous PTO

Job summary

TabaBank is seeking an experienced Treasurer to lead ALM, liquidity and funding strategy, deposit pricing, and balance-sheet optimization. Reporting to the CFO, you will ensure liquidity, manage interest-rate risk, and drive profitability through funding strategies for payments, settlement, and deposits. The role requires 10+ years in bank treasury and strong communication with the Board.

The position offers comprehensive benefits and opportunities to shape treasury at a high-growth fintech bank.

Qualifications

Bachelor’s degree in Finance, Economics, Accounting, Business, or related field.
10+ years of progressive bank treasury, ALM, liquidity, or balance-sheet management experience.
Strong experience in ALM, liquidity risk, deposit pricing, funding strategy, interest-rate risk, investments, and liquidity stress testing.
Strong understanding of bank financial statements, regulatory capital, and balance-sheet dynamics.
Experience with deposit modeling, ALCO reporting, financial modeling, and regulated banking environments.
Ability to communicate complex Treasury matters to senior management and the Board.

Responsibilities

Lead the Bank’s liquidity risk management framework, forecasting, limits, buffers, and early-warning indicators.
Develop and execute diversified funding strategies.
Monitor deposit stability, concentration, collateral, and contingent funding capacity.
Partner with Settlement Operations to incorporate payment-related liquidity requirements into Treasury forecasts.
Manage liquidity associated with merchant acquiring, network settlement, ACH, Fedwire, RTP, FedNow, and other payment rails.
Monitor intraday funding needs, settlement concentrations, prefunding arrangements, and weekend/holiday liquidity requirements.
Evaluate Treasury impacts of new payment clients, products, and unexpected settlement events.
Own liquidity stress testing and the Contingency Funding Plan (CFP).
Develop stress scenarios covering deposit runoff, client concentration, payment disruptions, settlement spikes, operational events, and market-wide liquidity stress.
Establish triggers, escalation protocols, and management actions.
Lead the Bank’s deposit pricing framework and recommend rates for commercial deposit products.
Evaluate deposits based on stability, duration, concentration, liquidity value, rate sensitivity, relationship economics, and payment activity.
Monitor deposit betas, pricing exceptions, competitive positioning, and actual deposit behavior.
Develop relationship-level profitability analyses incorporating funding value, payment revenue, interest expense, FDIC assessments, operational costs, and liquidity requirements.
Lead the ALM framework and balance-sheet strategy.
Manage interest-rate risk, liquidity risk, funding risk, concentrations, and ALM models/assumptions.
Monitor earnings-at-risk, economic value sensitivity, deposit behavior, and balance-sheet positioning.
Lead ALCO preparation and present recommendations to senior management and the Board.
Develop and manage the investment portfolio within Board-approved policies and limits.
Balance liquidity, capital, earnings, duration, yield, credit quality, and interest-rate risk.
Manage investment maturities, cash flows, and reporting to ALCO and the Board.
Serve as a key member of ALCO and provide Treasury reporting to executive management, Risk Committee, and the Board.
Maintain Treasury, ALM, liquidity, investment, and deposit-pricing policies and procedures.
Serve as a Treasury subject matter expert for OCC, Federal Reserve, FDIC, Internal Audit, and external auditor interactions.
Support examinations, regulatory reporting, documentation, and remediation of findings.