Seasoned Fractional CFO & Treasury Advisor – Strategic U.S. Banking, ACH, Wire & Customer Deposit Management Expert Driving Automotive & E‑Commerce Growth at brighthush

About brighthush

brighthush is at the forefront of the automotive marketplace, blending the trusted experience of a full‑service dealership with the speed, reach, and convenience of a digital marketplace. With a fully licensed dealership, a high‑volume online auction platform, and a robust e‑commerce storefront, brighthush serves thousands of customers every month while processing millions of dollars in transaction volume. Our commitment to transparency, customer satisfaction, and operational excellence has earned us the trust of buyers, sellers, and industry partners alike.

In today’s fast‑moving landscape, financial strategy is the engine of sustainable growth. As brighthush expands into new markets, enhances liquidity, and safeguards the interests of our customers and partners, we need a seasoned Fractional CFO and Treasury Advisor who can bring deep expertise in U.S. banking, ACH, wire transfers, and customer deposit management to our dynamic team.

Why This Role Matters

Operating on razor‑thin margins and high transaction volumes, brighthush’s financial backbone—comprising banking relationships, treasury controls, and liquidity management—must be both resilient and agile. The Fractional CFO & Treasury Advisor will become the guardian of that backbone, ensuring that every dollar is accounted for, every risk is mitigated, and every opportunity for growth is captured. Your strategic insights will directly influence the company’s ability to scale, innovate, and maintain the highest standards of customer trust.

Key Responsibilities

1. Banking & Treasury Management

• Audit and optimize brighthush’s multi‑bank footprint, ensuring each institution serves a distinct purpose (operating funds, customer deposits, international payments, and cash reserves).
• Implement robust ACH fraud protection, Positive Pay, wire controls, transaction limits, and dual‑approval workflows.
• Forge and nurture strategic relationships with banks and treasury service providers, negotiating favorable terms and service level agreements.
• Develop contingency plans for account restrictions, payment delays, or banking disruptions, including backup routing and emergency liquidity sources.
• Lead the integration of new banking partners as brighthush expands into international markets, ensuring compliance with local regulations.

2. Customer Deposits & Cash Management

• Design a transparent system for tracking, reconciling, and refunding customer deposits, ensuring compliance with state and federal regulations.
• Recommend reserve structures and liquidity controls that balance risk mitigation with operational flexibility.
• Evaluate and enhance FDIC coverage, interest‑earning opportunities, and business savings account strategies.
• Guarantee sufficient liquidity for refunds, auction purchases, and day‑to‑day operating expenses.
• Identify specialized accounting, tax, legal, or regulatory needs and coordinate with external experts as required.
• Implement automated reconciliation tools to reduce manual effort and improve audit readiness.

3. Banking Compliance & Risk Management

• Assess operational risks tied to domestic and international payments, including currency exposure, regulatory changes, and counterparty risk.
• Develop practical payment verification, documentation, and internal control procedures to safeguard against fraud and non‑compliance.
• Establish protocols for handling unusual transactions, large‑value transfers, and bank compliance inquiries.
• Collaborate with legal counsel on regulatory matters, ensuring all treasury activities align with applicable laws and industry best practices.
• Maintain an up‑to‑date risk register and conduct quarterly risk reviews with senior leadership.

4. Financial Strategy & CFO Advisory

• Oversee cash flow management, financial reporting, and forecasting to provide a clear picture of brighthush’s financial health.
• Define and monitor key financial KPIs, creating dashboards that enable real‑time decision‑making.
• Offer strategic guidance on liquidity, profitability, and capital allocation, supporting growth initiatives such as new dealership openings, technology investments, and market expansion.
• Advisory to ownership on financial risks, investment opportunities, and capital structure optimization.
• Lead the preparation of investor presentations and financial due diligence for potential funding rounds.

Engagement Structure

brighthush will commence with a paid consultation, followed by an initial assessment of approximately 8–12 hours. Upon successful completion, the engagement will transition to a recurring advisory model, requiring 2–4 hours per month. This part‑time, long‑term partnership is designed to provide continuous value while respecting your other professional commitments.

Essential Qualifications

• 10+ years of senior financial leadership experience (CFO, VP Finance, Treasury Director, or equivalent).
• Deep expertise in U.S. business banking, ACH, wire transfers, and treasury management.
• Proven track record managing high‑volume transactions, customer deposits, and international payments.
• Hands‑on experience negotiating with banks, implementing treasury controls, and mitigating operational risk.
• Strong communication skills, with the ability to translate complex financial concepts to non‑financial stakeholders.
• Experience working directly with business owners and executive teams in a fast‑paced environment.
• Advanced proficiency in financial modeling, forecasting, and KPI development.
• Demonstrated ability to lead cross‑functional teams and influence strategic direction.

Preferred Qualifications

• Background in automotive retail, online auction platforms, or e‑commerce.
• Familiarity with payment processors such as brighthush or similar platforms.
• CPA, CTP, or other relevant financial certifications (though practical experience is paramount).
• Experience with regulatory compliance in the automotive or financial services sectors.
• Knowledge of emerging fintech solutions, blockchain payment systems, or digital‑wallet integrations.

Skills & Competencies

• Strategic thinking and analytical rigor.
• Exceptional problem‑solving abilities, especially in complex treasury scenarios.
• Strong negotiation and relationship‑building skills.
• Proficiency in financial modeling, forecasting, and KPI development.
• Adaptability to evolving regulatory landscapes and technology trends.
• Commitment to confidentiality and ethical conduct.
• Excellent project management and time‑management skills.
• Ability to thrive in a remote, collaborative environment.

Career Growth & Learning Opportunities

While this role is advisory, brighthush offers a unique platform to:

• Expand your expertise in automotive finance and e‑commerce treasury.
• Network with industry leaders, banks, and fintech innovators.
• Contribute to strategic initiatives that shape the future of automotive retail.
• Gain exposure to cross‑functional teams, enhancing your leadership and collaboration skills.
• Participate in executive‑level strategy sessions and board meetings.
• Access ongoing professional development resources, including certifications and industry conferences.

Work Environment & Culture

brighthush fosters a culture of transparency, innovation, and continuous improvement. Our team values:

• Open communication and collaborative problem‑solving.
• Data‑driven decision‑making and accountability.
• Work‑life balance, supported by flexible scheduling for part‑time roles.
• Professional development through workshops, conferences, and industry events.
• Recognition of individual contributions and a shared sense of purpose.
• Inclusive and diverse workplace where every voice is heard.

Compensation, Perks, and Benefits

As a fractional advisor, you will receive competitive hourly rates commensurate with your experience and expertise. Additional benefits include:

• Flexible engagement schedule.
• Opportunity to influence strategic direction and financial performance.
• Access to brighthush’s internal resources, including finance software, market research, and industry insights.
• Potential for extended partnership or future full‑time opportunities based on performance and alignment.
• Remote work environment with state‑of‑the‑art collaboration tools.
• Annual performance bonus structure tied to company growth metrics.
• Health, dental, and vision insurance options for part‑time employees.

How to Apply

We invite you to share your candidacy by addressing the following points in a brief cover letter or email:

1. Describe your experience managing U.S. banking relationships, ACH/wire controls, and large cash balances for high‑volume businesses.
2. Highlight one or two similar projects you have successfully completed, including outcomes and lessons learned.
3. Outline your proposed approach to the initial assessment phase for brighthush.
4. Provide your hourly rate, availability, and interest in ongoing part‑time advisory work.

We value practical experience, clear communication, confidentiality, and a long‑term partnership mindset. If you are ready to bring your treasury expertise to a forward‑thinking automotive and e‑commerce leader, we encourage you to apply today.