• Lead all day-to-day fiduciary 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 the senior Fiduciary Officer of zntb, leading the trust and fiduciary staff 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. • Work closely with the Chief Operating Officer to build and monitor controls, reporting and visibility of fiduciary responsibilities. • Serve as the primary executive responsible for reporting to the zntb Board of Directors on fiduciary activities, controls, and institutional KPIs. • Prepare and present regular Board and committee reports covering all 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 Operating Officer, 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 related to fiduciary and trust activities. • Ensure intercompany and third-party relationships satisfy OCC third-party risk management expectations, including due diligence, SLA monitoring, and ongoing oversight. • Maintain relevant vendor performance dashboards, due diligence packages, and documentation required for OCC third-party risk review. • For fiduciary and trust functions, own the bank’s operational continuity, incident response, and crisis management programs. • Lead triage and resolution for any fiduciary and trust 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.