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 <li data