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 suppo