Chief Operating Officer

• Own end-to-end delivery of complex, cross-functional initiatives across Treasury / Finance partnering with IT, Operations, Risk/Compliance and other related groups
• Structure workstreams and execution plans, ensuring alignment to priorities, timelines, and dependencies
• Establish and maintain program tracking, roadmaps, and governance routines
• Proactively identify risks and drive mitigation strategies in partnership with stakeholders
• Execute with a high degree of autonomy, making informed decisions and trade-offs aligned to business priorities
• Manage competing demands with clear prioritization and focus on timely, high-quality outcomes
• Take accountability for end results, driving resolution of complex issues and removing execution barriers
• Lead structured, multi-dimensional analyses to support strategic and operational decision-making
• Translate complex data into clear, actionable insights and recommendations
• Develop reporting frameworks across cost, performance, and operational metrics
• Identify trends and drive improvements in data quality and analytical processes
• Challenge assumptions and shape decision-making through data-driven insights
• Build and maintain effective partnerships across Finance, Treasury, Risk, IT, and Operations
• Drive alignment on objectives, approach, and outcomes across stakeholders
• Lead communication and change efforts to support initiative execution
• Prepare and present materials that inform and enable discussion in governance forums and senior stakeholder settings
• Drive adherence to risk, control, and governance practices, identifying opportunities for enhancement
• Own tracking and resolution of audit actions and regulatory deliverables
• Lead development and standardization of process documentation and reporting artifacts.

Consultant – Treasury COO, Strategy & Execution

• Accountability for the day to day operations, profitability and growth
• Ensure that the customers' needs are well served
• Develop relationships with network providers, area employers, and contractors; ensure successful development and implementation of business plans
• Develop and implement strategic and tactical plans to ensure further growth and development of the business unit and ensure positive financial results
• Oversee development and execution of operating plans, including employee development, organization goals, and member and provider relations goals
• Establish criteria for measuring and assessing the success/performance of each component of operation
• Ensure appropriate provider network is developed and maintained
• Develop effective relationships with key stakeholders to educate providers and consumers on necessary topics
• Develop and establish operational mission statements, philosophy, policies, goals, objectives and strategy
• Provide management all necessary contractual requirement information regarding state and federal regulatory agencies

• Lead all day-to-day operational functions of zntb, including custody operations, settlement flows, reconciliation, reserve operations, and account administration.
• Design, implement, and maintain operational playbooks, standard operating procedures, and business continuity frameworks aligned with OCC safety and soundness expectations.
• Build and manage the bank’s operational infrastructure from pre-opening through steady-state operations, coordinating with engineering, product, finance, and legal teams.
• Oversee operational readiness for new products, new asset types, new partner integrations, and changes to the bank’s operational scope.
• Establish and monitor SLAs, exception-handling protocols, and operational uptime standards across all bank functions.
• Serve as a designated Fiduciary Officer of zntb, supporting the Trust Officer in the administration of all fiduciary and custodial accounts.
• Oversee fiduciary recordkeeping, including account setup, asset segregation, ledger accuracy, periodic account reviews, and documentation required under 12 CFR §9.6.
• Ensure trust operations comply with OCC fiduciary standards, including annual review requirements, internal fiduciary audit protocols, and applicable state trust law.
• Maintain adequate safeguards and controls over fiduciary assets, including collateral requirements for uninsured fiduciary funds in accordance with 12 CFR Part 9.
• Implement and enforce policies and procedures governing self-dealing, conflicts of interest, and co-mingling of fiduciary and non-fiduciary assets.
• Act as acting Chief Trust Officer when designated by the CEO or Board.
• Serve as the primary executive responsible for reporting to the zntb Board of Directors on trustee activities, operational performance, and institutional KPIs.
• Prepare and present regular Board and committee reports covering custody operations, fiduciary account activity, reconciliation integrity, vendor performance, operational incidents, and risk metrics.
• Support the Board in discharging its fiduciary governance obligations under 12 CFR §9.7, including participation in the bank’s audit and risk committees.
• Maintain the governance calendar and ensure timely production of all required Board materials, reports, and approvals.
• Maintain audit-ready documentation, operational logs, and evidence repositories in preparation for OCC examinations, fiduciary audits, and supervisory reviews.
• Implement and maintain OCC-aligned internal control systems across operations, custody, reconciliation, and settlement workflows.
• Support pre-opening examination requirements and preopening deliverables required to achieve final OCC charter approval.
• Partner with the Chief Compliance Officer, CRO, and Legal team on operational risk testing, issue remediation, and supervisory responses.
• Monitor and operationalize evolving regulatory requirements, including GENIUS Act requirements related to issuance, reserve management, and redemption operations where applicable.
• Oversee relationships with banking partners, sub-custodians, reserve custodians, technology vendors, and other critical service providers.
• Ensure all intercompany and third-party relationships satisfy OCC third-party risk management expectations, including due diligence, SLA monitoring, and ongoing oversight.
• Maintain vendor performance dashboards, due diligence packages, and documentation required for OCC third-party risk review.
• Own the bank’s operational continuity, incident response, and crisis management programs.
• Lead triage and resolution of operational incidents across custody, settlement, reconciliation, and technology functions.
• Conduct post-incident reviews and ensure timely remediation of control gaps and operational failures.
• Foster a culture of operational excellence, fiduciary accountability, and regulatory integrity across the organization.
• Serve as a key member of the zntb executive leadership team, contributing to strategy, culture, and organizational development.

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Consultant – Treasury COO, Strategy & Execution

Chief Operating Officer

Chief Operating Officer