About Interface.ai interface.ai is redefining how financial institutions serve their members through agentic AI and conversational AI — and we're doing it in production, at scale, with real outcomes. $30M in Series A funding. Cash-flow positive. A mission that matters: democratizing financial wellness for every American, not just the ones who can afford a private banker. About the role 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 re