Chief Transformation Officer at Hatch Bank

• Hybrid Position- Corporate Office – San Diego, CA or Conshohocken, PA*

The Chief Transformation Officer (CxO) serves as the bank’s transformation strategist, accountable for turning strategy into execution. Working in close partnership with the executive team, the CxO aligns priorities across the enterprise and provides the connective thread between teams. This C-suite leader is responsible for executing and operationalizing the bank’s long-term strategy across digital banking infrastructure, data architecture, artificial intelligence, and scalable fintech platform capabilities.

This is a rare opportunity to shape both the bank’s customer-facing technology capabilities and its back-office operating model at a pivotal stage of growth - while strengthening the operationally excellent culture expected by regulators and partners. We are looking for a unique talent that can build strategy while rolling up their sleeves and working alongside the team.

Responsibilities

JOB DUTIES AND RESPONSIBILITIES

Enterprise Strategy, Product & Platform Integration

• Translate the bank’s 3–5 year strategic roadmap into funded, staffed, time-bound execution plans with measurable outcomes across fintech partnerships, lending platforms, and digital deposits.
• Establish quarterly operating cadence that connects strategy to delivery: objectives and key results reporting, initiative reviews, cross-functional accountability, and executive reporting.
• Identify and act on structural shifts in payments, lending, technology and AI – converting market intelligence into concrete bank initiatives.
• Partner with the President and CFO on capital allocation toward platform infrastructure and digital growth initiatives.

Product Management (BaaS / Fintech Platform)

• Establish and run the bank’s product operating model (product discovery, prioritization, delivery, and lifecycle management for both direct and indirect offers) across platform capabilities, internal lines of business, and fintech partner-facing products.
• Own product strategy, roadmaps, and success metrics for sponsor banking capabilities (onboarding, transaction monitoring integrations, payments, deposits, lending, servicing, reporting, and partner support tooling).
• Partner with Compliance, Risk, Revenue, and Operations to define product requirements that meet regulatory obligations while enabling scalable partner experiences.
• Work with the technology team and vendors to translate requirements into actionable insights within pre-determined timelines.
• Drive partner and customer feedback loops, including incident learnings and operational insights, to continuously improve product performance, controls, and usability.
• Implement product governance for changes that impact risk (e.g., new product approvals, material vendor changes, API changes), ensuring clear documentation, testing, and release management.

Technology Architecture & Integration Strategy

• Partner with technology leadership to prioritize technology investments aligned with strategic outcomes.
• Define and execute the bank’s future technology architecture, including:
• Core banking strategy
• Embedded deposits and payments infrastructure
• API infrastructure
• Network & Partner integration frameworks
• Cloud and data platforms
• Establish measurable modernization milestones and hold vendors and internal teams accountable.

Data & AI Strategy

• Partner with technology leadership to enhance bank-wide data architecture strategy supporting analytics, machine learning, and regulatory reporting.
• Launch initiatives for AI-enabled risk management, fraud detection, underwriting, and customer intelligence.
• Build a centralized data platform enabling real-time insights across deposits, lending, and fintech partners.
• Partner with cross-functional teams to implement and operationalize governance frameworks such as data privacy, model risk management, and AI compliance initiatives,

Fintech Platform & Ecosystem Development

• Execute the bank’s sponsor-bank platform strategy supporting fintech partners, including ownership through onboarding to market ready launch.
• Evaluate new fintech partnerships and platform capabilities including:
• Lending programs and platforms
• Deposit/Payment programs and platforms
• Embedded finance ecosystems
• Build scalable operating models with operations leadership that allow the bank to safely support high-growth partners.

Information Security

• Serve as executive sponsor for the bank’s information security program in partnership with the CISO/technology leadership, ensuring alignment with business strategy, risk appetite, and regulatory expectations.
• Define and enforce security-by-design requirements for BaaS / embedded finance products, including secure SDLC, threat modeling, vulnerability management, and identity and access management across internal teams and fintech partners.
• Oversee third-party and fintech partner security risk management (due diligence, contract controls, ongoing monitoring), including SOC reports review, penetration testing expectations, and remediation tracking.
• Drive enterprise cybersecurity modernization priorities (network segmentation, endpoint protection, cloud security posture management, key management/encryption) with clear milestones and measurable risk reduction.
• Ensure incident response readiness for sponsor-bank and fintech-integrated environments, including tabletop exercises, breach notification playbooks, and coordination with Compliance, Risk, Legal, and partner teams.
• Support regulatory exams and audits related to cybersecurity, technology risk, and third-party oversight; ensure timely closure of findings and sustainable remediation.

Enterprise Program Management

• Establish and run enterprise program governance frameworks and transformation of our project management functions.
• Ensure strategic initiatives translate into measurable operational improvements.
• Lead cross-functional coordination, accountability and alignment across teams.

Physical And Sensory Requirements

• Prolonged periods sitting at a desk and working on a computer.
• Regularly required to drive a motor vehicle, occasional air travel, attending meetings at various venues, including but not limited to customers’ offices and/or properties, restaurants and other meeting locations, and ascend/descend stairs and or ladders occasionally to perform inspections.
• May be required to lift files/materials up to 20 pounds to take to various locations.
• Expected to operate a computer terminal.

Potenital On-the-job-risks

• None identified.

Required Experience

EDUCATION, TRAINING AND EXPERIENCE:

• 10+ years of progressive experience in banking operations, with meaningful time spent at or directly supporting a fintech-focused bank, sponsor banking.
• Deep hands-on understanding of the bank-fintech partnership model — including how sponsor agreements are structured, where the regulatory perimeter sits, and what it means to be a responsible bank sponsor.
• Demonstrated experience scaling lending operations, including partner-originated loan programs and the capital markets processes (loan sales, ABS) that support balance sheet management.
• Experience building or significantly expanding a deposit operations capability.
• Track record managing regulatory relationships and exam processes, including situations involving heightened scrutiny or remediation.

Preferred Experience

• Experience at both a bank and a fintech, or in a role bridging both worlds.
• Familiarity with modern core banking systems.
• Background in payments operations, including ACH, RTP, and card/BIN sponsorship programs.

Leadership & Attributes

• Operator's mindset: you run things, you fix things, you build things - you don't just advise on them.
• Comfort with ambiguity and the ability to build operational structure in a fast-moving, growth-stage environment.
• Exceptional judgment about when to move fast and when to pump the brakes - especially in a regulated institution where operational failures carry supervisory consequences.
• Clear, direct communicator who can translate complex regulatory requirements into actionable operational frameworks for internal teams and fintech partners alike.
• Genuine belief that compliance and innovation are complementary, not in tension.

Pay Range: Hatch Bank demonstrates fair, competitive, and market-based compensation for our employees. The compensation for this role includes a base salary range for this position is $200,000 to $250,000 as well as eligibility for other bonus programs. The pay range may vary based on factors including but not limited to knowledge, skills, experience, and work location. We offer a competitive benefits plan including but not limited to Health, Dental, Vision, Life, Disability, 401K, Paid Time off, other ancillary benefits based on position

Hatch Bank provides equal employment opportunity without regard to race, color, creed, sex (including pregnancy), age, gender, (including gender nonconformity and status as a transgender or transsexual individual), physical or mental disability, religion, national origin, genetics, marital status, veteran’s status, ancestry, citizenship, sexual orientation, or other characteristics protected by applicable law. This policy applies to all areas of employment, including, without limitation, recruitment, hiring, training and development, promotion, transfer, termination, compensation, benefits, and all other conditions and privileges of employment in accordance with applicable federal, state and local laws.

Hatch Bank is an Equal Opportunity Employer.

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