Ryan Smith

Treasury Operations at Divvy | Inc.


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How does this work?

Multi-tool financial officer with a focus on the intersection of Finance and Technology. Ready for my next adventure.

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Work experience

Feb 2019 - May 2020

Divvy | Inc.

Director of Treasury Operations | Divvy Inc

* Developed and implement Divvy’s servicing strategy for $140M of monthly charge card spend, as well as reimbursement, bill pay and flexible payment products * Oversaw all aspects of operational funds flows for Divvy products, including charge card balance, capital markets sales and A/R purchasing * Worked with engineering and product teams to design payments experience and application tools

Nov 2017 - Feb 2019

Divvy | Inc.

Vice President of Finance | Divvy Inc

* Fundraising: Assisted CEO in deployment, negotiation for $7M seed, $10.5M series A & $35M series B fundraising. Performed significant financial, risk and ESG due diligence requests for each * Accounting: Managed all aspects of payroll, accounts payable and receivable, month and year end closes and financial statement generation. Managed relationship with PEO firm, tax preparation and 409A valuations * Planning and Strategy: Created internal FP&A budget and control book reconciliation. Admin of Divvy’s implementation of internal software for budgeting and employee spend management * Risk and Underwriting: Developed full credit underwriting model, with compliance and risk policies. Underwriting and portfolio management for all Divvy underwritten customers. Managed credit compliance initiatives and collections activity * Operations: Managed banking partner operational relationship * Legal: Review of all business contracts and documents related to partner relationships, funding and master services agreements * Capital Markets: Sourced and negotiated account receivables sales to market partners


Jun 2016 - Mar 2017

Goldman Sachs


• Developed quality assurance policies and procedures for Marcus by Goldman Sachs direct lending platform • Coordinated with risk control and regulatory compliance officers on data analysis and reporting of business KPI's and risk events to bank executive management


Sep 2014 - Mar 2016

Charles River Associates

Senior Associate - Financial Markets

• Performed rigorous analysis of financial data for presentation to courts including valuations, damage estimates and forecasts • Utilized econometric models and statistical methodologies to understand complex client datasets • Assisted in the preparation of expert reports and legal testimony regarding financial matters under litigation


Jun 2014 - Aug 2014

Zions Bancorporation

Financial Analyst Intern

• Modeled statistical loss results for Dodd-frank mandated CCAR stress testing utilizing econometric techniques and best practices in SAS and Excel • Documented and reported model creation procedures and anticipated results under federally mandated economic stress scenarios

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