Coastal

IT Support

• Provide support as needed to CCBX CCO and Credit Administration and other executives as needed
• Coordinates, manages, and maintains efficiencies and consistencies in credit approving, policies, reviewing, auditing, and analyzing of the credit products offered through the banks Strategic Lending Partners
• Assures documentation is complying within bank and CCBX policy as well as State and Federal Regulations
• Provide guidance to Strategic Lending Partners on credit structure, underwriting and specific request conditions
• Provide timely decisions on credit requests within delegated loan authority while maintaining proper due diligence
• Assist in preparing Board, management, and regulatory credit reports and analysis of the CCBX portfolio
• Coordinates, manages, and maintains consistencies in day-to-day Credit Risk Management and Credit Administration responsibilities
• Assures accuracy of credit analysis data through and internal control processes over credit data and queries of that data to ensure the correctness key performance indicators for loan metrics being reported.
• Review partner credit risks through all sources of data to ensure accuracy of analysis and make recommendations for any changes
• Coordinate and execute workload priorities and delegate tasks within deadlines
• Ability to use personal judgment and initiative to develop effective and constructive solutions to challenges and obstacles
• Manages and assists with special projects
• other duties as assigned

Partner Credit Manager – II

Risk

• Assist in developing processes to enhance fraud risk controls and oversight for Fintech Partners and Core Bank.
• Assist in developing and updating fraud risk policies, procedures, and reporting templates.
• Review partner policies and procedures, workflows, and other program documents to identify gaps throughout the customer lifecycle.
• Complete high risk and material fraud incident reviews on events identified internally and externally.
• Complete Core Bank customer fraud transaction monitoring, investigation and thorough documented analysis of event.
• Responsible for the Card Dispute process, from intake to resolution, including working with the customer or branch, investigation and research, working with the vendor on processing and status, and ensuring time-sensitive outcomes.
• Support Fraud Risk Manager with team training, quality control reviews, and process improvement recommendations.
• Assist with technical-based projects and requests, including data reporting, system implementations, and AI solutions.
• Build and maintain strong relationships with key stakeholders, team members, Relationship Managers and Partners.
• May assist in preparing and leading partner monthly fraud calls with Partners.
• Prepare and present to management fraud summaries, analysis, and recommendations.
• Remain current with emerging fraud trends.
• Provide guidance and best practices to BaaS Partners.
• Provide service in accordance with Coastal Core Values.
• Maintain proficient knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act (BSA), USA Patriot Act, OFAC, Regulation E, Truth in Savings Act and Unfair, Deceptive or Abusive Acts of Practices (UDAAP), Truth in Lending, Equal Credit Opportunity Act.
• Follow and comply with all regulatory and compliance regulations.
• Make recommendations to the Fraud Risk Manager or Senior Fraud Risk Manager when and where appropriate.

Fraud Risk Analyst III

Accounting Manager

• Review and interpret fintech partner agreements, amendments, side letters, asset sale agreements, and other documents to interpret the proper accounting treatment, write technical accounting memos, and develop general ledger entries for the Accounting and CCBX Operations teams.
• Provide interpretation and application of US GAAP, interagency agreements, regulatory guidance, FASB accounting standards updates, and other items as applicable both as they apply to the Bank and CCBX.
• Create and maintain quarterly and annual accounting memos that are part of SOX and key controls, including partner memos, quarterly tax provision controls, going concern, balance sheet pricing and fair value, intangible assets, loan purchases and sales, and others.
• Evaluate new fintech partners, new products, new investments, and new processes to determine the accounting and financial statement impact and the proper accounting treatment, as well as ongoing monitoring required.
• Document accounting positions for new or unusual transactions, new products, business initiatives, partner program and products, and bank product launches.
• Develop corporate policies and procedures partnering closely with Accounting, Financial Reporting, FP&A, Credit, Treasury, and CCBX teams, ensuring the Bank’s accounting policies are in alignment with industry standards and regulatory expectations.
• Technical accounting topics include revenue recognition, receivables, contingencies, CECL, fair value, business combinations, transfers and servicing, income taxes, stock compensation, equity method securities, equity securities, and other specialized banking functions.
• Lead monthly accounting update meetings, monitoring FASB, SEC, and banking regulatory developments as well as new products, determining applicability, writing or reviewing memos, and assessing new products or processes that will have an accounting impact (i.e. loan sales and purchases, derivatives, etc.).
• Update management on new accounting standards, emerging guidance, and industry developments, accompanying with technical memos as necessary.
• Collaborate with third party industry experts as necessary to work through new and complex accounting concepts.
• Support the Financial Reporting team on complex disclosures and footnotes in regulatory filings.

Head of Accounting Policy

Analyst

• Assist with preparation and validation of credit risk materials used for management, committee, and board-level reporting.
• Gather and document data requirements to help map source data into Key Risk Indicators (KRIs) and Key Performance Indicators (KPIs) used in credit risk reporting.
• Perform routine data cleaning and transformation to improve accuracy and consistency in MIS reporting.
• Run, update, and help maintain automated reports and recurring reporting packages.
• Assist with exploratory analysis to identify trends, outliers, and data issues in portfolio reporting.
• Support timely completion of monthly reporting, escalating issues to the manager when appropriate.
• Help reconcile and investigate discrepancies across partner, vendor, and internal data sources.
• Follow team standards for documentation, version control, and quality checks to support auditability and repeatability.

Credit Analyst II – Credit MIS Reporting

Financial Crime

• Conduct Quality Control audits on team workflow processes and their timeliness, and prepare summaries for management team regarding QC reviews, including observations and recommendations.
• Process cases with an increased complexity level such as fraud rings, high dollar, high risk cases independently.
• Identify trends and/or typologies within QC reviews of deficiencies in the AML review and documentation process, and recommend enhancements based on trends in QC data.
• Maintain knowledge of Banking products and services including those considered complex or High Risk such as Money Service Businesses (MSBs), Private ATM owners, Marijuana Related Businesses (MRBs); as well as knowledge of current and former Banking as a Service (BaaS) partners and their relevant products and services.
• May partner with the AML QC Manager and Risk Operations leadership on the development of written procedures and processes to ensure completion of required tasks. May assist in the development of enterprise-wide policies, procedures and required risk assessments.
• Follow all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).
• Support Financial Crimes Compliance projects as requested.
• Shadow and support more junior analysts as needed.
• Adhere to defined SLA timelines.
• Provide internal service in accordance with Coastal Core Values.

AML QC Analyst

Controller

• Ensure all daily accounting activities and financial statement data are prepared in accordance with GAAP and regulatory agency requirements.
• Manage and supervise assigned staff, providing guidance and escalation support as needed.
• Review and approve staff accounting entries to ensure accuracy and completeness.
• Assist with Accounting Systems, including implementing software for GL, travel and expense, reconciliation tools, accounts payable, and others as needed.
• Participate in the review, interpretation, and clarification of technical accounting for several concepts including leases, taxes, income and expense recognition and cutoff, and more.
• Develop streamlined processes for entries, including allocations between the Company’s segments, branches, and CCBX partners.
• Specific areas of supervision may include: daily cash position, CD investments, security investments, fixed assets and prepaids, accounts payable, coordinating monthly certification of GL, borrowings, leases, and payroll and stock equity award accounting.
• Supervise daily accounting processes including journal entries, intercompany clearing, posting callbacks, and monitoring daily balance sheet and income statement activity.
• Supervise month-end close process and general ledger personnel.
• Prepare or supervise preparation of regulatory reporting including FR2900 reporting, Reg W, FHLB or other collateral safekeeping and audits, and assisting with others like Call Report or FR Y-9 reporting.
• Provide accounting assistance to business partners as needed throughout the company.
• Perform monthly analysis of revenue, expense, and actual/budget variances and identify reasons for differences.
• Assist with preparation of financial schedules for internal auditors, external auditors, and regulators.
• Prepare or supervise preparation of state and local taxes as well as the monthly and quarterly income tax provision.
• Assist with the preparation of quarterly federal tax payments and Corporate tax returns.
• Ensure department is performing in accordance with internal policies/procedures and regulatory compliance rules and regulations.
• Establish and maintain working relationships with internal and external teams.
• Develop and implement efficient accounting policies, procedures, and best practices.
• Own, maintain, and oversee the implementation of department procedures, recommending process improvements to management.

Assistant Controller

Attorney

• Process routine legal orders (bankruptcies, levies, garnishments, etc.) with supervision.
• Perform basic research in internal systems to identify the associated BaaS partner.
• Distribute time‑sensitive notifications to BaaS partners in accordance with SLAs with supervision.
• Escalate incomplete, unclear, or non‑standard documents.
• Maintain confidentiality and comply with all regulatory and bank policy requirements.
• Provide customer service in accordance with Coastal’s Core Values.
• Because we are a rapidly changing organization, there will be other duties as assigned.

Legal Processing Specialist I

Accountant

• Perform complex reconciliations of cash and general ledger accounts.
• Partner with teams across the organization (Bank Operations, Finance, HR, Payroll) to investigate and resolve accounting discrepancies.
• Prepare supporting schedules for internal and external reporting.
• Develop and record accurate general ledger entries, maintaining financial integrity.
• Prepare or review financial schedules for audits, financial reporting, regulatory reporting and management.
• Prepare GL accruals, building worksheets to analyze more complex balance sheet accounts.
• Perform monthly and quarterly variance and yield analysis, verifying transactions are reported in proper accounting periods and ledger classifications.
• Monitor and report on the progress of software development projects, ensuring accurate cost allocation.
• Assist with implementation and maintenance of reporting systems.
• Assist with corporate estimated tax accruals and payments.
• Assist with sales and use tax accruals and accounting.
• Assist with complex accounting including lease liabilities and ROUA, corporate tax supports, expense/revenue allocations, and other duties as needed.
• Utilize Workiva and advanced Microsoft Excel skills to enhance and automate financial processes.
• As needed, represent Accounting on Bank projects at meetings and through project completion.
• Read, interpret, and apply GAAP, SEC, and regulatory guidance to ensure full compliance.
• Maintain and update written accounting plans, desktop procedures, and documentation for assigned functions, and cross-train on other team duties.
• Assist in ensuring department is performing in accordance with internal policies/procedures and regulatory compliance rules and regulations.

Senior Accountant

Manager

• Design, administer, and govern equity compensation programs, including RSUs, PSUs, and other equity-based incentives, in alignment with total rewards philosophy and business objectives.
• Oversee annual and off-cycle equity grant processes, including eligibility, calculations, approvals, vesting schedules, and participant communications.
• Serve as the primary subject matter expert and point of contact for all equity compensation-related questions across the organization.
• Partner with Finance, Accounting, Legal, Payroll, external administrators, brokers, and valuation specialists to ensure accurate and compliant equity administration.
• Own end-to-end ASC 718 stock-based compensation accounting, including grant-date fair value assumptions, expense recognition, forfeiture methodology, probability assessments, and modifications.
• Prepare and maintain ASC 718 documentation, memos, reconciliations, forecasts, and audit support.
• Support equity-related disclosures and reporting, including Forms 10-K, 10-Q, Proxy (DEF 14A), registration statements, EPS calculations, Form 3/4/5, Form 144, Forms 3921/3922, and 1099-NEC.
• Perform quarterly and annual equity reconciliations across stock administration systems, payroll, general ledger, and transfer agent.
• Design, document, and maintain SOX-aligned internal controls over equity grants, accounting, and settlements.
• Design, implement, and maintain compensation programs including base pay structures, salary bands, job architecture, and incentive plans.
• Lead annual and off-cycle compensation cycles, including merit increases, promotions, and bonus programs.
• Develop and maintain job evaluation and leveling frameworks to support fair, consistent, and defensible pay decisions.
• Conduct market pricing, benchmarking, and salary surveys to inform program design and pay positioning.
• Ensure compensation and equity programs comply with applicable employment laws, tax requirements, accounting standards, and corporate governance practices.
• Conduct pay equity analyses and support regulatory and compliance reporting where applicable.
• Partner with senior leadership and Finance to align compensation programs with business strategy, workforce planning, and budget.
• Provide consultative guidance to leaders on compensation decisions, including offers, promotions, retention strategies, and pay actions.
• Ensure compensation programs support attraction, motivation, and retention of top talent while maintaining internal equity and market competitiveness.
• Manage integrations between HRIS, payroll, equity administration, finance, broker, and financial reporting systems.
• Identify and implement process improvements that reduce risk, enhance controls, and support evolving compensation and equity strategies, including market trends.
• Prepare executive and leadership reporting, including pay analysis, dilution modeling, equity usage trends, and program effectiveness insights.
• Support special projects and evolving business needs in a dynamic environment.

Equity and Compensation Manager

• Establish and manage a comprehensive, dynamic audit assurance program for assigned business units (BU). Supervise and coordinate audit activities to ensure all assigned responsibilities are performed in a high-quality manner and on a timely basis.
• Assume responsibility for the overall coordination and successful completion of a dynamic audit plan for assigned business units.
• Proactively develop and maintain mutually beneficial working relationships with Senior Management of the assigned BUs.
• Participate in the planning, scoping and execution of audit activities within the framework established by the department's policies and audit methodology.
• Comprehensively analyze assigned business unit’s existing processes, and controls to determine the adequacy of the design and operating effectiveness of internal controls. Ensure compliance with laws, regulations, and corporate policies. Identify and evaluate risks present in business unit coverage areas.
• Review and approve audit reports, ensuring they are accurate, clear, concise, and relevant such that recipients readily understand issues and risks.
• Interpret the significance of audit findings and make practical recommendations.
• Serve as a subject matter expert for assigned BUs, and continually monitor trends and developments in the auditing profession and banking industry.
• Ensure FDICIA/Sarbanes-Oxley 404 internal control documentation is updated, and the related test work is completed. Summarizes control deficiencies and appropriately communicates to management to ensure proper remediation.