SVP, Chief Accounting Officer

Who We Are Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

What We're Looking For We are seeking a dynamic and experienced Senior Vice President, Chief Accounting Officer to join our Finance leadership team. This critical role reports directly to the Chief Financial Officer and serves as the operational backbone of the company's financial infrastructure. This role requires a seasoned finance executive who thrives in a fast-paced, technology-driven banking environment and can scale financial operations to match the company's rapid growth trajectory.

Key Responsibilities:

Financial Governance Maintain and continuously enhance the company's financial governance framework, including internal controls, policies, and procedures over financial reporting

Oversee the design and operating effectiveness of internal controls over financial reporting (ICFR) and ensure SOX-equivalent rigor appropriate for a regulated banking institution (FDICIA)
Lending Reporting Oversee all financial reporting related to Cross River's lending portfolio, including marketplace lending, Commercial and SBA lending, and principal financing activities

Ensure accurate and timely loan-level accounting, including origination, servicing, gain-on-sale, fair value measurements, and allowance for credit losses (CECL)
Direct reporting processes for loan sales, participations, securitizations, and warehouse facility utilization

Ensure proper treatment of fee income, interest income, and provision expense across all lending verticals

Financial & Regulatory Reporting Serve as the primary owner of the company's accounting policies, ensuring compliance with U.S. GAAP and applicable regulatory accounting standards

Direct the monthly, quarterly, and annual financial close processes

Manage the end-to-end SEC reporting process, including drafting financial statements, footnotes, and MD&A disclosures, ensuring accuracy and adherence to filing deadlines

Oversee preparation and filing of all regulatory reports, including Call Reports, FR Y-9 filings, and other submissions to the FDIC, Federal Reserve, and state banking regulators

Ensure timely and accurate delivery of required management reporting packages, and board-level financial presentations, including Audit Committee Tax & New Product Planning Oversee the company's tax function, including federal, state, and local income tax compliance, tax provision (ASC 740), and tax planning strategies

Lead tax structuring analysis for new products, partnerships, and business initiatives to optimize tax efficiency while maintaining full compliance

Evaluate accounting implications of new fintech partnerships, BaaS integrations, and program structures

Procurement

Build and oversee a centralized procurement function that drives cost efficiency, vendor governance, and operational discipline across the organization

Refine and implement procurement policies, approval workflows, and vendor selection criteria aligned with regulatory expectations for third-party risk management

Build…