At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity with other KOHO team members.

About KOHO

We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians.

At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.

KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.

About the Role

The Treasurer will lead the treasury function at KOHO and report directly to the CFO. The Treasurer will play a strategic role in designing and establishing treasury processes from the ground up as KOHO gains approvals for its Schedule 1 Bank license.This role requires expertise in building scalable treasury operations commensurate within a high growth fintech company. The Treasurer will be responsible for establishing and operationalizing comprehensive treasury frameworks, ensuring regulatory compliance, and managing liquidity, funding, and capital strategies for the new banking entity. This is an opportunity to design a better banking experience for Canadians.

Key Responsibilities

Treasury Operational Readiness & Management

• Design and establish treasury processes, policies, and procedures for KOHO's banking operations from inception.

• Design liquidity, Asset-Liability Management (ALM) and interest rate risk frameworks that are compliant with Basel III and OSFI guidelines. Once licensed, manage daily liquidity and cash positioning to ensure adequate funding for operations and regulatory requirements.

• Develop appropriate models for treasury planning, forecasting, and stress testing scenarios.

• Oversee funding strategies, including deposit management, wholesale funding, and capital markets activities including the direct oversight over the GIC deposit broker business.

• Manage the bank's investment portfolio in accordance with regulatory requirements and risk appetite.

Compliance & Risk Management

• Ensure readiness for enhanced regulatory oversight and reporting requirements.

• Once operational, maintain compliance with regulatory requirements as well as internal guidelines related to treasury operations

• Coordinate with regulatory bodies on treasury-related compliance matters as required.

• Develop and maintain treasury risk management controls and testing protocols.

Strategic & Advisory Functions

• Advise ALCO and senior management on liquidity, funding, and capital optimization strategies.

• Build scalable treasury processes and systems to support the bank's growth trajectory.

Leadership & Team Management

• Build and develop the treasury team at KOHO as the function scales.

• Provide strategic guidance and mentorship to team members.

• Drive process improvements and automation initiatives across the treasury function.

• Foster a culture of grit, curiosity, precision and continuous improvement.

Preferred Qualifications

• CPA or CFA designation required; both designations considered an asset.

• Minimum 7 years of relevant treasury experience in banking or financial services sector.

• At least 3 years of experience in a treasury leadership role at a Canadian financial institution.

• Experience and knowledge of regulatory reporting requirements to various governing bodies including OSFI and CDIC

• Experience establishing or scaling treasury operations is highly desirable.

• Deep understanding of Canadian banking regulations, OSFI guidelines, and Basel III framework.

• Experience with treasury management systems and financial modeling tools.

Core Competencies

• Excellent analytical and problem-solving skills.

• Strong interpersonal and communication skills.

• Ability to work within deadlines and flexibility to accommodate changing priorities.

• Self-motivated, proactive and adaptable individual.

• Strategic thinker with ability to design processes for future scale.

You will love this role if you like:

• A low-ego, high-execution team that mentors its team members.

• A strategic position with significant impact in a company with a dynamic product suite and rapidly evolving business and, therefore, treasury function.

• A unique opportunity to build a treasury function from scratch for a fintech transitioning to a licensed bank.

• An environment where your problem-solving skills are nurtured and challenged.

• Being at the forefront of innovation in Canadian banking.

What’s in it for you?

• 📈 Opportunity to shape the future of fintech and financially empower a generation of Canadians

• 💰 Competitive compensation & equity

• 🤝 Fantastic, Deeply Engaged Team (check out our engagement scores here!)

• 🌴 Generous vacation + Wellness days + Flex Days + holiday closure

• 💻 Remote-first environment + coworking support + yearly all hands retreat

• 🧠 Access to coaching & growth programs

• 👶 Parental top-up & leave policies

• 🏥 Comprehensive health benefits

• 💡 Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development
  

KOHO is for builders.

If you’re energized by challenge, motivated by mission, and want to be part of a team that punches above its weight - we want to hear from you.

The KOHO culture is one of collaboration, creativity, and diverse perspectives. We are committed to building and fostering an inclusive, accessible environment for everyone. If you have any questions, concerns, or requests regarding accessibility needs, please contact peopleaccessibility@koho.ca and the People and Culture team will be happy to help.

AI Disclosure: KOHO uses artificial intelligence (AI) in certain aspects of its recruitment process to screen, assess, or select applicants. For any questions or concerns, please contact us at talent@koho.ca.

Note: this posting is for an existing vacancy that we are seeking to fill.

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Compensation Range: CA$163K - CA$223K