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

Cross River’s Financial Planning & Analysis (FP&A) team is responsible for the annual budgeting process, as well as managing forecasts, variance analysis, corporate and divisional reporting other financial performance tools. We are seeking a highly motivated associate to join our rapidly growing FP&A team in our Fort Lee office. You will assist with compiling and preparing reports, analyzing divisional cost performance and trends, financial operations and work collaboratively across all financial departments to enable strategic decision-making leveraging Pigment, Power BI, and MS Office Suite.

Responsibilities:

• Responsible for Board and Investor reporting and other ad hoc analysis as requested by the key stakeholders
• Revenue Cost control (analysis of cost trends, explanation of variances to budget, and proposing remediation actions)
• Assist in preparation of annual budget and update quarterly reforecasts
• Ad-hoc support and scenario analysis
• Prepare and analyze KPI’s by business units
• Assist in the preparation of financial statements in business unit format
• Analyze business unit profitability and performance against targets
• Client profitability reporting

Qualifications:

• Bachelor’s degree in Finance or Accounting (CPA and/or CFA is a plus)
• 3+ years of experience in accounting or financial analyst roles (Big 4 experience a plus)
• Proven ability to work cross-functionally and with senior business leaders
• Experience with Microsoft Office Suite, highly proficient in Excel and PowerPoint skills
• Excellent communication and presentation skills with the proven ability to focus on the details
• Experience and knowledge of financial planning
• Banking or Fintech experience a plus
• Experience with Pigment a plus and/or experience with Anaplan, Hyperion and Prologue
• Public company experience a plus

#LI-AC1 #LI-Hybrid #LI-Onsite

Salary Range: $100,000.00 - $120,000.00

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

The Associate, FP&A will focus on the Total Cost of the organization. They will be responsible for overseeing the reporting, planning, forecasting, and analysis of costs within our organization. This role will collaborate closely with cross-functional teams to provide actionable insights and recommendations to optimize cost structures and drive efficiency.

Responsibilities:

• Develop and maintain robust financial models to forecast and analyze costs, including but not limited to operating expenses, capital expenditures, overhead costs, cost allocations and compensation spend.
• Prepare regular reports and presentations for senior management, providing insights into cost trends, variances, and opportunities for improvement.
• Partner with department heads and business leaders to understand cost drivers and identify areas for cost optimization and savings.
• Lead the annual budgeting process for cost centers, working closely with stakeholders to establish realistic targets and allocate resources effectively.
• Conduct in-depth analyses of cost performance, identifying key trends, risks, and opportunities to enhance financial performance.
• Collaborate with the accounting team to ensure accurate and timely recording of costs and adherence to financial reporting standards.
• Proactively identify opportunities to streamline processes, improve efficiency, and implement best practices in cost management.
• Stay informed about industry trends, regulatory changes, and market dynamics that may impact cost management strategies.
• Communicate findings and recommendations effectively, both verbally and in writing, to diverse stakeholders across the organization.
• Demonstrate a high level of independence, initiative, and attention to detail in executing tasks and delivering results.

Qualifications:

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field; MBA or advanced degree preferred.
• Minimum of 3 years of experience in financial planning and analysis, with a focus on cost management, preferably in the banking or fintech industry.
• Strong proficiency in financial modeling, budgeting, forecasting, and variance analysis.
• Excellent analytical skills, with the ability to synthesize complex data and draw meaningful insights.
• Advanced proficiency in Microsoft Excel and PowerPoint; experience with financial planning software or ERP systems is a plus.
• Exceptional written and verbal communication skills, with the ability to articulate complex concepts to diverse audiences.
• Proven ability to work independently and collaboratively in a fast-paced, dynamic environment.
• Strong organizational skills and attention to detail, with the ability to manage multiple priorities and meet deadlines effectively.

#LI-AC1 #LI-Hybrid

Salary Range: $100,000.00 - $120,000.00