CFO

San Jose/ San Francisco Bay Area

Banking is being reimagined—and customers expect every interaction to be easy, personal, and instant. 

We are building a universal banking assistant that millions of U.S. consumers can use to transact across all financial institutions and, over time, autonomously drive their financial goals. Powered by our proprietary BankGPT platform, this assistant is positioned to displace age-old legacy systems within financial institutions and own the end-to-end CX stack, unlocking a $200B opportunity and potentially replacing multiple publicly traded companies. 

Ultimately, our mission is to drive financial well-being for millions of consumers.

With over two-thirds of Americans living paycheck to paycheck, 50% holding less than $500 in savings, and only 17% financially literate, we aim to put financial well-being on autopilot to help solve this problem.

 

As Chief Financial Officer, you will be responsible for interface.ai’s end-to-end financial stewardship—defining strategy, driving execution, and earning trust with customers, investors, auditors, and regulators. 

You will build and lead a high-performing finance organization, embed operating discipline across quote-to-cash, accounting, and FP&A, and partner with Product, Engineering, Legal, and GTM to strengthen unit economics, support bank-grade vendor diligence, and accelerate compliant, durable growth.

This is a senior executive role, reporting directly to the CEO, with regular engagement with the board, financial institution CISOs, and regulators.

What You Will Do

Strategy, Planning & Operating Cadence

  • Own the long-range plan, annual operating plan, and rolling forecasts; align spend with growth priorities and capital efficiency
  • Run a disciplined operating cadence (weekly/monthly business reviews) with KPIs including ARR/NRR, gross margin, CAC payback, LTV/CAC, magic number, cash runway, and hiring vs. plan
  • Drive scenario modeling for market expansion, product investment, and hiring plans; establish ROI frameworks for major bets

Accounting, Revenue Recognition & Close Excellence

  • Lead U.S. GAAP accounting and revenue recognition for multi-year, usage-based, and multi-element SaaS contracts
  • Automate month-end/quarter-end close; manage audit and tax compliance; implement policies and controls for audit-readiness
  • Oversee multi-entity consolidations, state/local tax, and global expansion mechanics (entity setup, transfer pricing)

Systems, Data & Automation

  • Own the finance stack: implement and integrate core systems for accounting, billing, customer/CRM data, and analytics so information moves cleanly from deal to invoice to revenue to forecast
  • Establish data governance (system-of-records, KPI lineage, access controls) to ensure single-source-of-truth reporting

Revenue Quality, Pricing & RevOps

  • Co-own pricing & packaging with Product/GTM; set deal guardrails, discount frameworks, and approvals to protect margin
  • Partner with RevOps on pipeline integrity, forecast accuracy, sales compensation design, territory/quota planning, and productivity analytics

Capital Strategy, Treasury & Investor Relations

  • Lead equity/debt strategy, fundraising readiness, and investor narrative; run diligence and manage covenants
  • Manage cash, collections, working capital, and banking relationships; optimize cash-flow forecasting and treasury operations
  • Own board reporting and communications; present performance, outlook, and risk/mitigation with clarity

Bank-Grade Third-Party Risk, Diligence & Contracting

  • Be the executive owner for credit union/community bank vendor due-diligence responses and ongoing monitoring
  • Maintain a standardized package covering financial statements, SOC 2/ISO attestations, BCP/DR, data residency, sub-processor lists, insurance, and penetration-test summaries
  • Drive contract standards aligned with FI expectations: security/privacy annexes, audit rights, SLAs, breach/BCP obligations, subcontractor controls, termination assistance, and right-to-assess.

Security, Privacy & Compliance Partnership

  • Partner with Security / Legal to maintain SOC 2 Type II and ISO 27001, GLBA/FFIEC-aligned policies, incident-response economics, and vendor-security questionnaire readiness
  • Oversee the budget and finance controls that support compliance posture without sacrificing velocity

Business Continuity, Resilience & Insurance

  • Own financial oversight of BCP/DR testing, RTO/RPO commitments, supplier redundancy, and tabletop exercises.
  • Maintain insurance portfolio (E&O, cyber, D&O, general liability) with limits aligned to contractual requirements.

Internal Controls & Audit Readiness

  • Implement a pragmatic internal-controls framework (approval matrices, vendor onboarding, revenue policies, access/SOD, change management).
  • Stand up Audit/Finance Committee cadence and pre-SOX discipline to prepare for later-stage scale.

Team Leadership & Org Design

  • Build and mentor a high-performing team across Accounting, FP&A, and Finance Ops; attract and develop talent ahead of need.
  • Optionally steward People/HR ops in partnership with the People leader (comp/benefits/ESPP, headcount plan governance) as the company scales.

What You Bring

  • Proven finance leadership in high-growth B2B SaaS (ideally seen Series B–D), with experience as a CFO or VP Finance acting as #1 finance leader.
  • Deep SaaS expertise: Mastery of ARR dynamics, retention cohorts, pipeline/forecast modeling, sales productivity, and unit economics.
  • Accounting & compliance depth: Strong command of GAAP, ASC 606, audit management, tax, and multi-entity consolidations; experience implementing ERP and billing at scale.
  • Capital markets experience: Led or been a primary contributor to venture/debt raises and investor relations; comfortable with board-level storytelling and diligence.
  • Operational excellence: Track record of building scalable processes, systems automation, and a data-driven operating rhythm that improves speed and accuracy.
  • Financial-services readiness: Familiarity with vendor risk management expectations of credit unions/banks, including security attestations and compliant processes.
  • Collaborative leadership: Exceptional communication and influence; trusted partner to GTM, Product, and Customer Success.
  • Startup mindset: Willing to be hands-on while building for scale in a fast-paced, remote-first environment; experience with global teams is a plus.

Nice to Have

  • Experience with AI/ML or enterprise platforms sold to regulated industries.
  • Exposure to government/credit-union procurement processes and customer security reviews.
  • M&A evaluation and post-merger integration experience.
  • Equity administration and 409A/comp design oversight.

Compensation:

  • Compensation is expected to be between $300,000 - $335,000 in base salary. Exact compensation may vary based on skills and location.
  • Equity package commensurate with stage and impact potential.

Benefits:

  • 💡 100% paid health, dental & vision care
  • 💰 401(k) match & financial wellness perks
  • 🌴 Discretionary PTO + paid parental leave
  • 🏡 Remote-first flexibility
  • 🧠 Mental health, wellness & family benefits
  • 🚀 A mission-driven team shaping the future of banking

 

At interface.ai, we are committed to providing an inclusive and welcoming environment for all employees and applicants. We celebrate diversity and believe it is critical to our success as a company. We do not  discriminate on the basis of race, color, religion, national origin, age, sex, gender identity, gender expression, sexual orientation, marital status, veteran status, disability status, or any other legally protected status. All employment decisions at Interface.ai are based on business needs, job requirements, and individual qualifications. We strive to create a culture that values and respects each person's unique perspective and contributions. We encourage all qualified individuals to apply for employment opportunities with Interface.ai and are committed to ensuring that our hiring process is inclusive and accessible.

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