Business Line CFO - Consumer & Business Banking

 

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Chief Financial Officer (CFO), Consumer & Business Banking (CBB) is the senior finance leader and strategic partner to the CBB business, accountable for financial stewardship, strategic insight, enterprise value creation, and executive decision support. The role ensures disciplined financial management while shaping forward‑looking strategy, balancing growth, risk, capital, and customer outcomes in alignment with enterprise priorities.

This leader translates complex financial, balance‑sheet, and performance dynamics into clear executive insights, enabling confident decision‑making that sustains earnings durability, regulatory credibility, and long‑term franchise value.

Core Responsibilities

Financial Stewardship & Credibility

• Serve as the primary steward of CBB financial integrity, ensuring accurate results, disciplined forecasting, and regulatory credibility across performance reporting, outlooks, and capital decisions.
• Balance growth objectives with strong risk discipline, control standards, and earnings durability.

Strategic Insight & Foresight

• Transform financial data, consumer and business banking economics, and external market signals into forward‑looking insights that inform strategy, investment priorities, and operating decisions.
• Anticipate trade‑offs across pricing, credit risk, funding, and portfolio mix to support sustainable performance.

Executive Translation & Influence

• Synthesize complex financial, risk, and performance information into clear, compelling narratives for senior leaders, enabling confident decision‑making that aligns with enterprise priorities.

Enterprise Value & Trade‑Off Leadership

• Partner with the business to frame and influence decisions on capital deployment, cost structure, and balance‑sheet usage.
• Explicitly articulate risk‑return trade‑offs and opportunity costs across the enterprise.

Operating Model & Capability Leadership

• Lead simplification, standardization, and continuous improvement across finance processes to strengthen the core foundation while enabling insight, agility, and strategic partnership at scale.

Leadership Skills & Attributes

• Judgment‑Based Financial Stewardship – Applies sound judgment to ensure financial integrity, risk discipline, and regulatory credibility while balancing growth and control.
• Strategic Insight & Foresight – Converts financial and economic data into forward‑looking insights that shape strategy and investment trade‑offs.
• Executive Translation & Influence – Distills complexity into clear narratives that enable confident executive decisions.
• Enterprise Value & Trade‑Off Leadership – Frames and influences capital, cost, and balance‑sheet decisions through explicit risk‑return articulation.
• Operating Model & Capability Leadership – Drives simplification and capability building to sustain performance and enable strategic partnership.
• Learning Agility & Comfort with Ambiguity – Learns quickly, adapts in dynamic conditions, and provides clear direction and prioritization amid uncertainty.
• Talent Development & Team Leadership – Proven record of developing strong, future‑ready finance leaders through coaching, feedback, and building inclusive, high-performing teams.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field (or equivalent experience).
• MBA and/or CPA (or equivalent professional credential) preferred.
• Progressive leadership experience in finance, including accountability for financial stewardship, results accuracy, and performance credibility with senior leadership.
• Hands-on experience leading planning, forecasting, and performance management, with strong working knowledge of financial statements and balance-sheet dynamics (including earnings durability and key drivers).
• Proven ability to serve as a senior business partner to executive leaders—providing clear decision support on strategy, investment prioritization, expense/cost management, and resource trade-offs.
• Experience supporting consumer banking and/or lending economics, including core revenue drivers, pricing, credit risk considerations, and portfolio mix.
• Experience evaluating trade-offs across retail distribution and channels (branch and digital), credit portfolios, and funding structures, with an ability to translate implications into actionable executive recommendations.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $304,045.00 - $357,700.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.