• Establish and maintain a comprehensive, risk-based internal audit program that aligns with the Bank’s strategy and regulatory requirements. • Develop the audit charter, policies, procedures, and methodology to ensure independence and objectivity. • Oversee the creation and execution of the annual audit plan based on risk assessments and changing business conditions. • Partner with Audit counterparts at Affirm to manage third and fourth party risk. • Lead and conduct audits across key functional areas • Evaluate the adequacy and effectiveness of internal controls, risk management, and governance processes • Provide independent recommendations for control enhancements, process improvements, and risk mitigation • Oversee documentation, issue tracking, and follow-up of audit findings to ensure timely resolution. • Report directly to the Audit Committee of the Board, providing regular updates on audit results, trends, and emerging risks. • Prepare materials for Board and committee meetings, ensuring transparency and actionable insight • Serve as liaison with external auditors, examiners, and regulators, coordinating responses to findings or requests • Support the Audit Committee in fulfilling its oversight responsibilities related to risk, control, and audit • Collaborate with executive management to evaluate risk management and internal control frameworks • Advise management on control design and efficiency without compromising audit independence • Support integration of risk-based thinking and control discipline across all departments • Identify opportunities to enhance governance and control maturity during early-stage bank development • Lead the design and documentation of the Internal Audit framework as part of the de novo application process • Establish audit coverage for pre-opening activities, including policy development, system implementation, and vendor onboarding • Develop readiness assessments and Board materials to support FDIC and state regulatory reviews • Build and train an audit function capable of scaling as the Bank grows post-launch