Director, Capital Planning

Who We Are The world is moving towards instant digital payments and TabaPay is leading the way. We help thousands of Fintechs in the US and Canada instantly move money in and out of accounts and we are actively expanding into other countries. Our customers represent the hottest verticals in the financial service industry such as neobanks, challenger brokers, gaming and wallets. TabaPay is a highly profitable rocketship that processes billions of dollars each year. To learn more visit www.tabapay.com. TabaPay Bank is  looking for a highly  experienced  Director of Capital  & Liquidity  Planning  and  Stress Testing  to lead the  Bank’s enterprise approach to capital adequacy ,  liquidity planning, funding resilience , and  scenario-based  stress   testing.   Reporting to the  Chief Financial Officer , this  leader  will own  forward-looking capital and liquidity  planning  processes and connect  the  Bank’s  strategic plan, balance-sheet outlook,  risk profile, funding needs, regulatory  requirements, and stress scenarios  into a  clear  view of financial resilience.   The successful candidate will bring deep experience in banking, regulatory capital, liquidity risk management, stress testing, and model governance. Experience in   payments, merchant acquiring, fintech,  embedded finance, or other  transaction-intensive banking  environments  is highly  valued .   What  You’ll  Do   Capital Planning & Adequacy   Lead the development and ongoing maintenance of the Bank’s comprehensive capital plan.   Integrate capital planning with the Bank’s strategic plan, balance-sheet outlook, risk profile, liquidity position, and stress-testing framework.   Forecast key regulatory capital metrics, including CET1, Tier 1 capital, total capital, leverage ratios, risk-weighted assets, and applicable internal and regulatory requirements.   Establish and monitor internal capital targets, limits, buffers, and early-warning indicators.   Evaluate capital adequacy relative to the Bank’s current and prospective risk profile.   L iquidity Planning & Funding Resilience   Develop and maintain the Bank’s liquidity planning framework, including funding needs, liquidity buffers, contingency funding actions, and early-warning indicators.   Assess liquidity requirements associated with customer deposits, settlement obligations, payment flows, prefunding, merchant reserves, and other transaction-driven exposures.   Partner with Treasury to evaluate funding sources, deposit stability, cash flow needs, intraday liquidity, and stressed liquidity capacity.   Establish and monitor liquidity metrics, limits, thresholds, and escalation triggers for management and Board reporting.   Support contingency funding planning and liquidity stress testing across idiosyncratic, market-wide, and combined stress scenarios.   S tress Testing & Scenario Analysis   Own the Bank’s capital and liquidity stress-testing framework.   Design baseline, adverse, and reverse-stress scenarios appropriate for the Bank’s size, complexity, business model, and risk profile.   Translate stress scenarios into impacts on capital, liquidity, funding capacity, earnings, balance sheet, risk-weighted assets, losses, deposit balances, settlement exposures, and other material metrics.   Partner across Finance, Treasury, Risk Management, and business teams to ensure stress assumptions are well supported, challenged, documented, and actionable.   P ayments-Specific  Risk  Analysis   Develop capital and liquidity stress scenarios tailored to a payments-focused bank, including potential impacts from merchant or PayFac failures, acquiring losses, elevated chargebacks and refunds, settlement losses, counterparty defaults, fraud and operational losses, network assessments or penalties, processing disruptions, rapid transaction-volume changes, client concentration, deposit outflows, and changes in interchange or network economics.   Evaluate how these scenarios affect  liquidity  needs, funding capacity, settlement obligations,  capital adequacy , and management contingency actions .   Management ,  Board  & Regulatory  Reporting   Develop clear, insightful capital, liquidity, and stress-testing reporting packages for executive management.   Prepare Board and committee materials covering capital adequacy, liquidity position, funding resilience, stress-testing results, emerging risks, and recommended management actions.   Support regulatory examinations, supervisory requests, and discussions related to capital adequacy, liquidity adequacy, stress testing, and planning assumptions.   Model Governance & Controls   Build, maintain, and continuously improve capital, liquidity, funding, and stress-testing models.   Establish strong controls over model inputs, assumptions, calculations, outputs, documentation, and change management.   Coordinate independent review and challenge of significant assumptions, methodologies, and results.   What  We’re  Looking For   Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field.   8+ years of relevant experience in banking, capital planning, liquidity risk management, treasury, stress testing, or financial risk management.   Significant hands-on experience with bank capital planning, liquidity planning, and stress-testing processes.   Strong understanding of bank balance-sheet dynamics, liquidity risk drivers, funding profiles, capital formation, regulatory capital, and risk-weighted assets.   Demonstrated ability to build and govern capital, liquidity, funding, and stress-testing models.   Experience designing stress scenarios, sensitivity analyses, reverse-stress analyses, and defensible modeling assumptions.   Excellent analytical, quantitative, communication, and executive presentation skills.   Ability to translate complex capital, liquidity, funding, and stress-testing information into c