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For nearly 20 years, I have had the honor of working with incredible people in the Financial Services and the Manufacturing industries. My passion is in developing people and developing businesses to achieve results that they didn't believe were possible. As a result, I have become a trusted strategic advisor, leader and finance partner of Boards, CEOs, Management Teams, and Finance Teams.I served as the Vice President of Finance (CFO) at Tally (Series D backed by a16z and Kleiner Perkins), a fintech app that helps people pay off credit card debt. I was responsible for all facets of Finance and Accounting (FP&A, GL Accounting, AP, AR, Payroll, Treasury, etc) as we helped shape the financial future for millions of consumers.Prior to Tally, I was the SVP of Finance (CFO) at One, a Series B neobank that was acquired by Walmart and Ribbit Capital in March 2022. In my short time there, I established our financial infrastructure and led due diligence and execution for the finance side of the transaction. Prior to One, I was the Vice President of Finance (CFO) for Simple, a pioneer in the fintech and neobanking industries. There I managed a team of rock stars that were responsible for all facets of Finance, Accounting, Data Analytics and Data Science. In my 4 years at Simple, we saw high double digit deposit CAGR, improved Gross Margin by over 5,000 bps and saw bottom line EBIT improvements by tens of millions of dollars. Prior to Simple, I was in positions of progressive responsibility in FP&A for Craft Brew Alliance(a $200M+ revenue public company acquired by Anheuser-Busch in 2020) and managed a team of managers and senior analysts responsible for budgeting, financial analysis, financial reporting, financial forecasting and decision support. Prior to CBA, I was in positions of progressive responsibility in FP&A and Treasury at Banfield Pet Hospital (subsidiary of Mars). Prior to Banfield, I was in a variety of roles consulting and working primarily for banks in loyalty marketing, credit cards and mortgage banking. I received my undergraduate degree in Finance from Michigan State and currently serve as the Treasurer of the MSU Alumni Association of Oregon and SW Washington. Specialties: Financial Planning and Analysis (FP&A)Financial ModelingStrategic PlanningFinancial AnalysisFinancial ReportingFinancial ForecastingBudgetingOperational AnalysisP&L ManagementKPI Development & ReportingTreasuryAccountingCost AccountingCredit & Debit CardsIndustries:BankingFinancial Technology (Fintech)Craft BeerManufacturingRetail
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Chief Financial OfficerPatientfi Aug 2024 - PresentOrange County, Ca, Us- PatientFi has pioneered innovative solutions to enhance healthcare accessibility and affordability through flexible, point-of-care payment options for out-of-pocket medical expenses.- Responsible for all facets of finance, accounting and HR.- PatientFi was ranked #128 on the Inc5000 list for the fastest growing private companies in America in 2024. -
Vice President Of Finance (Cfo)Tally Oct 2022 - Apr 2024San Francisco, California, Us- Head of Finance for Tally, a fintech app that helps people get out of credit card debt. Tally is a consumer tech company pioneering full-service financial automation. Our mission is to make people less stressed and better off financially. Tally is a Series D company backed by Kleiner Perkins, a16z, Cowboy Ventures and Sway Ventures. - Responsible for all facets of Finance and Accounting (FP&A, GL Accounting, AP, AR, Payroll, Treasury, etc).- Led the finance side of closing a warehouse line of credit with one of the most prestigious financial institutions in the world.- Performed deep People, Process and Systems review in my first 90 days that laid out a road map to take the Finance team from an organization that was reactive and behind in its commitments to one that would be proactive and in front of its commitments.- Oversaw Accounting team process redesign that enabled the team to close the books from 38 business days down to 9 business days in one year.- Rebuilt operating model that improved turn around speed for scenario modeling from multiple days to a few hours. - Implemented clear non-GAAP management reporting to enable deeper understanding of the financials for the executive team- Started a weekly metrics review with the entire leadership team and other key contributors to give the business deep insights across every department in one place. It was additionally a key control to ensure our compliance with any triggers and covenants across our various debt facilities. - Executed on a finance system redesign roadmap that includes changing most of the legacy finance stack. This is enabling better cost controls, faster accounting close cycles, a substantially better user experience and more transparency for leadership.-Partnered with the CEO, COO, the Board and the leadership team on a strategy expansion into a B2B2C model -
Finance ExecutiveOne Apr 2022 - Oct 2022New York, Ny, Us- After the company was acquired, filled in as Interim Head of Accounting for ONE while the company recruited a Chief Accounting Officer. - Built out the pipes for rolling 5 companies consolidated results together- Implemented ASC 805 (Purchase Price Accounting), ASC 718 (Stock Compensation Expense) and ASC 842 (Lease Accounting) across all 5 companies -
Svp Of Finance (Cfo)One Jul 2021 - Mar 2022New York, Ny, Us- Head of Finance for One, a fintech app that seamlessly combines savings, spending, borrowing and budgeting into one account until our acquisition in March 2022. Responsible for all facets of Finance and Accounting (FP&A, GL Accounting, AP, AR, Payroll, Treasury, etc).- Partnered with FP&A team to rollout weekly metrics review for entire company, which gave insights to 500+ metrics for the organization.- Guided FP&A to completely re-build operating model to give more insights and began performing monthly forecasts to understand expected runway, ARR and cash burn. - Brought Accounting in-house which improved close speed from 20+ days to 10 in 3 months.- Led Finance side of diligence, acquisition and integration of entity. This included complex payment structure for employees and all investors and got all payments and rollover options properly paid and accounted for.- Acquired by a Joint Venture between Walmart and Ribbit Capital in March 2022 (which took on ONE brand at acquisition).
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Vice President Of Finance (Cfo)Simple Finance Jun 2018 - Jul 2021Portland, Us- Head of Finance and Management Team member, leading a team of up to 15 in FP&A, Accounting, Payroll, Analytics, Data Science, Strategic Planning and Treasury- Guided Simple to have near triple digit deposit CAGR, Gross Margin improvement by over 5,000 bps and EBIT improvements of tens of millions of dollars during tenure- Developed talent from within and promoted 6 employees in 6 months to critical roles on the team- Responsible for all pricing efforts on deposit products for >$1B and >500K customer portfolio- Lowered cost of funds by 64% while seeing a 38% increase in deposits- Navigated company to a better than budget bottom line performance through pandemic by implementing strict cost controls, revenue management and company performance reviews- Regularly partner with Chairman, CEO and Management team for strategy discussions with the Board and BBVA Global leadership- Pivoted company to using OKRs and lead company through detailed metric reviews weekly- Steered Accounting team to Simple’s first ever Satisfactory Rating on any audit from BBVA Internal Audit on Balance Sheet- Created a robust headcount backfilling mechanism with the People team that took annualized payroll down $15M without a restructure- Voting member of the Simple Risk Management Committee in heavily regulated banking environment- Led Finance team through a 6 month wind down of the entity and was asked to perform Interim CEO role during the last 2 months of the wind down. A big piece of this was helping nearly all employees land on their feet with similar or in many cases promotional jobs elsewhere in banking, fintech or broader technology industries. -
Director, Finance And AccountingSimple Finance Jul 2017 - Jun 2018Portland, Us- Lead FP&A, Accounting, Payroll, Finance Business Systems, Strategic Planning and Treasury for Simple- Guided company to its first Gross Margin positive results- Led a restructure of Simple's financial reporting, which brings more meaning to the data by telling a story and provides actionable insights into the future- Upleveled financial acumen across the company through enhanced and clear finance business partner relationships as well as department level reporting- Present financial results to the entire company of ~300 people on a regular basis- Expanded sister company (Azlo) shared services from only Accounting Services to Accounting, Payroll and Benefits services providing them access to an efficient operation as well as a more compelling total benefits package to their employees.- Key finance contact on $10M campus expansion- Successfully executed two sublease agreements as a result of expanded space, leading to millions of dollars of offsetting rent expense- Key player in designing Annual and Long Term incentive programs annually- Work with Global BBVA New Digital Business team on cross company KPIs for consistency of business performance evaluation- Partner with CEO, CFO and executive leaders on presentations to the Board of Directors- Lead development of monthly forecasts, annual operating plans, and our 5-year business plan- Deliver detailed ROI analysis to support investment decisions and large capital expenditures- Implemented select Zero Based Budgeting principles in 2018 budgeting process eliminating over $5M from baseline G&A budget- Manage and mentor a team of 8 rock star Finance & Accounting associates and consistently recruiting top talent
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Director, Financial Planning And AnalysisCraft Brew Alliance Jul 2015 - Jun 2017Portland, Or, Us• Craft Brew Alliance was acquired by Anheuser-Busch InBev in 2020.• Led company-wide budgeting process for $300M market cap, public company including $20M capital budget, detailed standard costing builds for 5 different breweries, international planning for two partners, revenue planning for 7 brand families and SG&A planning for 12 departments• Managed team of 5 FP&A Associates (2 FP&A Managers, 2 Senior Financial Analysts, 1 Financial Analyst)• Facilitated a 2 day turnaround of dynamic company financial reporting, which provides key insight to the executive team (top 8 executives including CEO) on company performance and is also a key SOX control• Selected as member of very small team to work on new partnership agreement with Anheuser Busch/In Bev that caused a 20% increase in stock price• Initiated and saw to fruition automation projects in Cognos TM1 that took updates of robust product/customer level profitability tool from 2-3 months to about one month• Member of Capital Committee and was responsible for leading all capital projects ROI, NPV, IRR modeling • Directed team through complete restructure of capital policy and processes giving the company better financial control, more robust financial reporting and analysis and clearer visibility• Brought in discipline of looking at 3 Year Plan Operating Cash Flows to determine maximum capital investment per year to properly shape Free Cash Flow reducing capital requests by over $6M• Intimately involved with Supply Chain system implementation and redesign (Logility) that aligned Demand Planning, Inventory Planning and Replenishment Planning models and optimized planning systems• Constructed robust 3 Year Planning model presented to the Board of Directors including Balance Sheet, Cash Flow, and Income Statements and annually work with CEO, CFO and Director of Strategy to refine• Member of Impact Leadership Group, a senior leadership position, and directly reported to the CFO -
Manager, Financial Planning And AnalysisCraft Brew Alliance Nov 2013 - Jul 2015Portland, Or, Us• Manage Senior Financial Analyst• Control CBA’s $19M+ capital budget and perform all ROI analysis for capital projects• Lead CBA’s Capital Committee meetings• Oversee budgeting and monthly forecasting process for CBA with over $200M+ in revenue and 10+ departments • Partner with Accounting department to perform variance analysis on monthly close• Guide CEO and members of the Executive Leadership Team on optimal long term brewery footprint• Identifying long term FP&A system strategy to minimize administration and maximize analysis• Helped guide Brewing Operations and Supply Chain to 130 bps Year over Year Gross Margin Improvement• Selected by Executive Leadership Team members to help strategize long term Gross Margin improvement
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Senior Financial AnalystCraft Brew Alliance Mar 2012 - Nov 2013Portland, Or, Us• Main financial resource for Brewing Operations and Supply Chain• Headed the $100M+ Operations team budgeting process• Led cost accounting and developed CBA’s standard costs for 5 breweries• Initiated monthly P&L reviews with brewery management to discuss trends and identify and resolve questions• Selected by CEO to receive monthly recognition award for financial work on future budget• Created interactive productivity improvement tool which tracks the progress of each breweries productivity projects • Launched monthly meeting with executive team discussing the $100M+ operational cost structure and its improvement • Invited to join the Brewery Innovation team, which is tasked with identifying and collaborating on new and distinctive beers for the Craft Brew Alliance portfolio
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Senior Financial AnalystBanfield Pet Hospital 2011 - 2012Vancouver, Wa, Us• Promoted to Sr. Financial Analyst on the Financial Planning and Analysis team• Administered detailed statistical and financial analysis on relevant business practices and present and recommended business strategy to Medicine and Finance leadership teams based on results• Built revenue predictability model with advanced statistical system to predict revenue of 760+ hospitals• Selected as Finance co-pilot for corporate Medicine team • Refreshed IRR, ROI and NPV models for medical equipment trials which clarified financial results• Prepared quarterly industry reviews of partners and competitors for senior leadership -
Treasury SpecialistBanfield Pet Hospital 2009 - 2011Vancouver, Wa, Us• Prepare daily cash reporting for financial leadership team• Revitalized cash forecasting models through complex statistical analysis, extensive research and user friendly presentation which improved cash flow transparency and predictability • Proactively identified $100K+ in savings per year in banking fees through account restructure and service elimination• Consulted and assisted with Point of Sale project for the practice, which was expected to reduce credit card losses by 90%, reduce overall payment losses by 20% and significantly improve operational efficiency• Main banking contact for 760+ hospitals
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Consumer Lending - Product ManagerFlagstar Bank 2007 - 2009Hicksville, Ny , Us• Spearheaded the launch of a new credit card and a cutting edge enterprise wide rewards program to a 175 branch network, which included business planning, financial modeling, compliance, marketing campaign strategy and development, customer segmentation, and project management• Architected and presented model and business plan to executive management that increased customer debit card value proposition by 150% with no cost increase to the company• Forecasted for 5-year pro forma for credit card and rewards programs• Supplied relevant modeling and reporting to facilitate executive-level decision making on a bi-weekly and ad hoc basis• Developed and performed the training and launch of a new HELOC program for 170 bank branches and over 500 employees resulting in $13M in new sales• Revived a stalled project within 3 months and executed the launch of a HELOC credit card across the organization• Streamlined project management process by developing intricate database to manage all department projects -
Management Development ProgramFlagstar Bank 2006 - 2007Hicksville, Ny , Us• Rotated through several departments inside of the bank, including Underwriting, Capital Markets, Home Lending, Lending Support, Finance, Investor Relations, Direct Lending, and Consumer Lending to understand the bank from a bigger perspective, to create professional contacts, and to receive face time with senior management• Performed full due diligence analysis on self issuance of credit cards for the bank• Initiated and administered financial analysis and presented results to executives including the Chief Executive Officer• Built financial model that was used to determine the fate of a subsidiary• Recruited and interviewed candidates for Flagstar University
Cory Ruell Skills
Cory Ruell Education Details
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Michigan State UniversityFinance -
South Haven High School
Frequently Asked Questions about Cory Ruell
What company does Cory Ruell work for?
Cory Ruell works for Patientfi
What is Cory Ruell's role at the current company?
Cory Ruell's current role is Chief Financial Officer at PatientFi.
What is Cory Ruell's email address?
Cory Ruell's email address is co****@****ple.com
What is Cory Ruell's direct phone number?
Cory Ruell's direct phone number is +151793*****
What schools did Cory Ruell attend?
Cory Ruell attended Michigan State University, South Haven High School.
What are some of Cory Ruell's interests?
Cory Ruell has interest in Animal Welfare, Children, Arts And Culture, Economic Empowerment.
What skills is Cory Ruell known for?
Cory Ruell has skills like Financial Analysis, Financial Modeling, Strategic Planning, Leadership, Finance, Financial Reporting, Management, Microsoft Office, Competitive Analysis, P&l Management, Budgets, Cash Management.
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