Coastal

• 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.

• 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.

• 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.

• 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.

• 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.

• Own the daily cash position, intraday liquidity monitoring, and short‑term funding execution (e.g., FHLB advances, brokered deposits, fed funds/lines) within established limits and policies. • Forecast cash position to anticipate cash shortfalls/excesses to provide management with early warning indicators and appropriately source additional funding to mitigate shortfalls and invest excesses. • Coordinate settlement activities and reconcile cash movements across Treasury, Finance, and Operations. • Support the preparation of liquidity coverage and availability analyses, including HQLA tracking, early warning indicators, and contingency funding plan documentation. • Assist in maintaining liquidity dashboards, trend analyses, and monitoring of key liquidity ratios. • Contribute to periodic liquidity stress testing, including scenario runs, assumption updates, and documentation of results. • Assist in operating ALM systems (e.g., Jack Henry ProfitStars or similar), including data validation, ETL checks, and input of key assumptions (betas, decay, prepayments). • Support the preparation of Earnings at Risk (EaR) and Economic Value of Equity (EVE) analyses and related reporting. • Help develop IRR reporting packages and scenario analyses for review by Treasury leadership and ALCO. • Support the capital planning process by compiling data inputs for capital adequacy assessments and multi-year forecasts. • Assist in preparing Risk-Weighted Assets (RWA) calculations and capital ratio projections under baseline and stressed scenarios. • Enhance data pipelines, controls, and automated dashboards for liquidity, funding, IRR, and profitability metrics; improve close/forecast cycles and reduce manual work. • Maintain Treasury, Liquidity, IRR policies, procedures, and control inventories; support audits/exams; ensure segregation of duties, reconciliations, and documentation quality. • Collaborate with Finance, Risk, Accounting, Operations, IT, and BaaS stakeholders to align assumptions, data integrity, and execution timelines. Support strategic initiatives led by the Corporate Treasurer and CFO.

• Own the daily cash position, intraday liquidity monitoring, and short‑term funding execution (e.g., FHLB advances, brokered deposits, fed funds/lines) within established limits and policies. • Forecast cash position to anticipate cash shortfalls/excesses to provide management with early warning indicators and appropriately source additional funding to mitigate shortfalls and invest excesses. • Coordinate settlement activities and reconcile cash movements across Treasury, Finance, and Operations. • Produce liquidity coverage/availability analyses, HQLA tracking, early‑warning indicators, and contingency funding plan playbooks; maintain dashboards and trend analyses, paying particular attention to liquidity ratios. • Run periodic liquidity stress scenarios, assumptions refreshes, and back‑testing; document results and remediation actions. • Operate ALM tools (e.g., Jack Henry ProfitStars or equivalent): data extracts, Extract, Transform, Load (ETL) checks, assumption updates (betas, decay, prepayments), Earnings at Risk (EaR)/ Economic Value of Equity (EVE) reporting, and model validations. • Prepare IRR packages and sensitivity/scenario analyses for review by the Corporate Treasurer and ALCO. • Maintain FTP curves/charges and product spreads; partner with Finance and Product to assess business line profitability and balance sheet optimization opportunities. • Assist with trade execution logistics, settlement, and compliance for AFS/HTM securities; perform yield, duration, and liquidity fit analyses; update portfolio metrics and limits tracking. • Assist accounting in the classification of investments. • Coordinate inputs for capital adequacy assessments and multi‑year capital plans; compile Risk Weighted Assets (RWA) and ratio projections under baseline and stressed scenarios. • Build recurring ALCO packs (KPIs, liquidity coverage, IRR results, funding costs, policy limit usage); draft minutes and action logs; track remediation to closure. • Enhance data pipelines, controls, and automated dashboards for liquidity, funding, IRR, and profitability metrics; improve close/forecast cycles and reduce manual work. • Maintain Treasury, Liquidity, IRR policies, procedures, and control inventories; support audits/exams; ensure segregation of duties, reconciliations, and documentation quality. • Collaborate with Finance, Risk, Accounting, Operations, IT, and BaaS stakeholders to align assumptions, data integrity, and execution timelines. Support strategic initiatives led by the Corporate Treasurer and CFO.

• Work with the Director, Compliance to develop, administer and monitor the implementation of a CMS that provides assurance over the Bank’s compliance with all applicable laws and regulations applicable to its operations and product offerings particularly those of Bank Business Lines and/or BaaS FinTech Partners. • Monitor external resources for emerging regulatory compliance trends or changes to the compliance environment; assess applicability to Bank Business Lines and/or BaaS FinTech Partners, and effectively lead the implementation of the change. • Assess the compliance risk needs of Bank Business Lines and/or BaaS FinTech Partners in response to growth and evolving business activities and help support the Advisory Compliance Program accordingly. • Maintain proficient knowledge of and ensure Bank Business Lines and/or BaaS FinTech Partners activities are performed in compliance with state and federal banking laws and regulations applicable to assigned areas of oversight. • Serve as subject matter expert to provide compliance advice and guidance to Bank Business Lines and/or BaaS FinTech Partners while addressing any compliance questions. • Effectively communicate with BaaS FinTech Partners, peers, Compliance Leadership, and/or process owners so that all stakeholders are informed about compliance requirements and have the awareness to work together to mitigate compliance risk exposure. • As requested, liaise with external parties such as Federal or State bank examiners, external auditors, and outside consulting firms regarding the Bank’s compliance function. • Help to oversee complaint analysis of assigned Bank Business Lines and/or BaaS FinTech Partners by researching, gathering documentation, drafting complaint responses, tracking, and reporting on complaints. • Oversee issue management for assigned Bank Business Lines and/or BaaS FinTech Partners, including the identification and dissection of issues to identify the root cause, risks, recommendations, and remediation efforts. • Lead Compliance risk assessments of assigned for assigned Bank Business Lines’ and/or BaaS FinTech Partners' new or modifications to product and service offerings to identify any compliance related issues and/or new regulatory requirements. • Support the development and recommend approval of compliance policies, ensuring that standards, procedures, and guidelines comply with applicable laws and regulations, the Bank’s risk appetite, tolerances, and policies. • Research laws and regulations as needed or when unique circumstances arise. • Independently investigate and act on matters related to compliance and risk. • Lead the collection of information for regulatory examinations and compliance-related audits related to Bank Business Line and/or BaaS FinTech Partner compliance. • Support post-examination follow up and oversee corrective actions. • Work with the Director, Compliance in the preparation and presentation of clear and concise reporting to Compliance Leadership. • Report to the Director, Compliance on a regular basis, providing status updates related to the oversight of Bank Business Lines and/or BaaS FinTech Partners. • May prepare or support the filing for federal, state, and local regulatory agencies. • Keep informed and maintain knowledge of all applicable bank regulations for assigned job function through research, training and/or coursework. • Provide internal service in accordance with Coastal Core Values. • Support other key compliance and risk management projects as needed. • Perform additional duties as assigned.

• 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.

Senior Vice President (MAE) Coastal is seeking a Senior Vice President (SVP) of Manufacturing, Auto, Energy & Retail & Consumer Goods (MAE & RCG) to serve as a market leader responsible for both the strategic growth and the high-quality delivery of our consulting services. This high-impact role oversees the entire lifecycle of the industry portfolio—from initial sales strategy and pipeline generation to project execution and consultant development. You will act as a trusted advisor to C-level clients, guiding their digital transformation while scaling a high-performing, cross-functional team. There are several areas that the qualified candidate will be focusing on: - Client Relationship/Customer Satisfaction, and Leadership - Project Executive Oversight Key Accounts - Resource Management & Team Utilization - Building Best Practices and Participating in our Center of Excellence - Delivery Team Management, Career Management, and Team Development - Developing Consulting Pyramid, mentoring, and hiring team members - Develop Accelerators to help support the practice and team - Optimize internal teams related to key business metrics including bookings, revenue, and utilization targets as well as overall portfolio and account performance/health. Role Responsibilities: Market Strategy & Sales Leadership: - Revenue Ownership: Drive the sales strategy and execution for the market in partnership with the Vice President of Sales, overseeing bookings goals and ensuring the quality of deals supports long-term growth. - Pipeline Generation: Partner with the Vice President of Sales, marketing and GTM teams to align on lead generation; manage forecasting to maintain business health and predictability. - Executive Engagement: Lead complex sales cycles and influence C-level prospects to close new logo business. Delivery Excellence & Operations: - Project Oversight: Provide executive oversight for key accounts, ensuring project success and high customer satisfaction. - Operational Efficiency: Work with the Vice President of Delivery and Sales to develop industry specific "accelerators" and standardized methodologies to increase time-to-value for customers and improve onboarding. - Scoping & SOWs: Work with the Vice President of Delivery oversee the delivery of Statements of Work (SOWs), ensuring scope and deliverables are clearly defined to drive seamless project execution. - Utilization: Work with the Vice President of Delivery manage the team to meet annual utilization targets, including maintaining personal billability on key strategic phases. Team Development & Leadership: - People Management: Recruit, hire, and mentor a "consulting pyramid," providing day-to-day direction and handling annual performance reviews. - Sales Enablement: Implement tools and resources (Salesforce, ZoomInfo, LinkedIn Sales Navigator) to ensure the team has the knowledge to succeed. - Culture & Collaboration: Foster a collaborative environment between sales and delivery to ensure smooth transitions from opportunity to project delivery. Experience/Skills Required: - Industry Expertise: 10+ years of experience in Sales, Consulting, or Delivery leadership within the Salesforce ecosystem or related SaaS space. - Proven Track Record: History of managing a portfolio with $30M+ in annual bookings and leading groups of 30+ distributed individuals. - Leadership: Significant experience scaling quota-carrying teams and mentoring consultants at various career stages. - Communications: Exceptional presentation and relationship-building skills, with an ability to think on your feet during complex business requirements gathering. - Authorization: Must have full-time permanent US work authorization. Additional Preferred Experience/Skills: - Bachelor’s Degree preferred, or equivalent experience Why Coastal, and what we offer: - Flexible working hours with an emphasis on a life-work balance (in that order!) - Fully remote work; “Live by the beach, work in the Cloud,” plus company office locations in Palm Coast, FL; Atlanta, GA; Tysons, VA & Lexington, KY - Unlimited Paid Time Off (RTO), 401K with Company Match, and Medical, Vision, & Dental coverage - Competitive quarterly and annual bonus opportunities - Continuing education and certification reimbursements - A flexible and fun team culture! We value transparency, support, flexibility, growth, teamwork, fun, and so much more - Frequent team and culture activities, virtual & in-person, including Lunch and Learns, Happy Hours, team-building events, and the Holiday Party to Top All Holiday Parties - Quarterly All-Hands calls to bring the company together, and an open-door leadership policy with access to mentorship and guidance - Opportunities for accelerated growth, networking, and career guidance and support - Trust, transparency and respect across all levels of the company Coastal provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.