CFO

About this role

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…