Vice President – Cash and Card Management

Vice President – Cash and Card Management

We’re looking for a strategic, hands‑on leader to join our team as VP, Cash & Card Management, based out of our Central Texas offices. This in‑person role offers a unique opportunity to shape and elevate Horizon’s card, cash, and virtual vault operations by driving performance, strengthening controls, and enhancing the experience for both our customers and internal partners.

As a key partner across Treasury, Retail, Finance, and Fraud, you’ll lead with both vision and execution—owning critical operational functions while identifying opportunities to improve efficiency, scalability, and revenue performance. You’ll play a central role in advancing our payment capabilities, optimizing vendor partnerships, and ensuring our operations evolve alongside the needs of the business.

You’ll thrive in this role if you bring a strong operational mindset, curiosity to challenge the status quo, and a collaborative approach to problem‑solving. This is an opportunity to build, lead, and make a meaningful impact across the organization, with local travel in the Austin area as needed.

WHAT WILL I DO?

This role is responsible for leading and optimizing the Bank’s debit card and payment operations, virtual vault and cash management services, and the team supporting these critical functions.

Debit Card & Payment Operations

• Own the end‑to‑end debit card program, including processing, lifecycle management, and ongoing optimization of performance, controls, and customer experience.
• Lead digital payment capabilities (e.g., tokenization, digital wallets) and partner with Fraud/Risk to balance security, authorization strategy, and client experience.
• Monitor and analyze card performance (usage, approvals, declines, adoption) to identify trends, resolve issues, and drive growth in activation and interchange revenue.
• Oversee network, processor, and regulatory changes (e.g., Visa mandates, EMV, BIN management), ensuring seamless execution and strong operational governance.

Virtual Vault & Cash Operations

• Lead end‑to‑end Virtual Vault and cash operations, including setup, processing, reconciliation, and service delivery across branches and commercial clients.
• Manage cash positioning, ordering, and logistics across the Federal Reserve and armored carrier network to ensure accuracy and efficiency.
• Own key vendor relationships (e.g., armored carriers, vault providers, card networks), including pricing, performance management, and issue escalation.
• Partner cross‑functionally (Treasury, Accounting, Retail, Fraud) to support cash and card services while driving continuous operational improvement.

Leadership & Team Development

• Lead and develop a high‑performing team, fostering accountability, collaboration, and operational excellence.
• Serve as a hands‑on leader and strategic partner, contributing to enterprise initiatives and driving continuous improvement across the organization.
• Other duties as assigned and/or taken on.

We are searching for professionals who have had proven success in their past careers, are self‑motivated, and have a great attitude to join our team.

Specific requirements include:

• Minimum:
  Bachelor’s Degree and 5+ years of treasury experience; or the equivalent combination of education and experience, which demonstrates the knowledge, skills, and abilities to perform the job duties of this position.
• Successfully led and managed an operations team.
• Proven track record of developing future leaders of an organization.
• Ability to contribute immediately to strategies an
• Positive, self‑motivated, and team‑oriented with a collaborative and proactive approach.
• Strong decision‑making skills with the ability to lead change, support company growth, and embrace opportunities for personal and professional development.

Applicants must be currently authorized to work in the U.S. on a full‑time basis. This position does not offer visa sponsorship now or in the future.

Desired qualifications:

• 8+ years of direct industry experience at a $2B+ bank.
• 5+ years of management experience.
• 4+ years in payments, cash management, or debit cards role.
• CFE, CAMS certification is a plus.

We’re not…