Head of Treasury

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 Treasurer to lead the Bank’s asset-liability management (ALM), liquidity and funding strategy, deposit pricing, investment portfolio, and balance-sheet optimization. Reporting to the CFO, the Treasurer will ensure appropriate liquidity, funding, interest-rate risk management, and balance-sheet positioning within established risk and capital parameters. This role will also lead deposit pricing and profitability strategy, with particular focus on the liquidity dynamics of payments, merchant acquiring, settlement, and transaction-related deposits. Key Responsibilities Liquidity & Funding • 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. Payments & Intraday Liquidity • 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. Stress Testing & Contingency Funding • 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. Deposit Strategy & Profitability • 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. ALM & Balance-Sheet Management • 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. Investment Portfolio • 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. Governance, Regulatory & Reporting • 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. Required 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. Preferred Qualifications • MBA, CFA, CTP, FRM, or similar designation. • Prior Treasurer, Deputy Treasurer, Head of ALM, or Head of Liquidity experience. • Experience with OCC- or Federal Reserve-supervised institutions and regulatory examinations. • Experience building or enhancing a bank Treasury function. • Experience with commercial/institutional deposits, high-growth banks, or newly acquired banks. Payments Experience Highly Desired Experience with merchant acquiring, Visa/Mastercard settlement, PayFacs, ACH, Fedwire, RTP, FedNow, intraday liquidity, prefunding, high-volume payment flows, payments-related deposits, fintech, or embedded-finance banking. The pay range for this position is $180,000 - $200,000; however, base pay offered may vary depending on job-related knowledge, skills, and experience. In addition to a full range of medical, financial, and/or other benefits, dependent on the position offered. Benefits TabaPay offers the following benefits: • 100% employer-paid health care insurance including medical, dental, vision, and life insurance (for employee only) • Employer 401K Matching • Generous and Flexible PTO EEO Employer: TabaPay is an equal opportunity employer; all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or any other protected classification.