Cross River
FDIC-member bank providing banking-as-a-service infrastructure (payments, cards, lending) to fintechs. Founded 2008, HQ Fort Lee, NJ. Founder/CEO Gilles Gade. 500-1,000 staff.
What is Cross River?
Cross River is an FDIC-member bank, but most people never interact with it directly, its business is providing the regulated banking infrastructure that other companies build on top of. As one of the earliest and most prominent "banking-as-a-service" (BaaS) providers, Cross River supplies the banking rails, payments processing, card issuing, lending programs, and banking services related to crypto, that many well-known fintech and consumer apps rely on to move money and offer financial products, without those companies needing to become a bank themselves. Because it operates as a real bank under federal regulation, compliance, risk, and technology work are all central to how it runs. Cross River was founded in 2008 by Gilles Gade, who is Founder, President, and CEO, and has led it since inception. It is headquartered in Fort Lee, New Jersey, and employs roughly 500 to 1,000 people.
Mission & values
Power the fintech ecosystem with the regulated banking infrastructure, payments, cards, and lending rails that let other companies build financial products.
Qualifications
Cross River hires the roles a regulated bank that runs on technology needs. On the technical side: software engineering (backend, frontend, full-stack, and the infrastructure and APIs that power its banking-as-a-service products), data engineering and analytics, and security engineering. Because it is a bank, it hires heavily in compliance, risk management, Bank Secrecy Act/AML, fraud, and legal, alongside banking operations (payments, cards, lending operations). It also hires product management, partnerships (working with the fintechs it serves), sales, finance, and people functions. Application flow lives at crossriver.com/careers. The company is headquartered in Fort Lee, New Jersey, and hires primarily in the US; some roles are remote or hybrid and others are tied to its offices, and roles require US work authorization. Experience in banking, payments, compliance, or fintech infrastructure is a strong signal, especially for risk and compliance roles given the regulated nature of the business.
Leadership
Gilles Gade
Founder, President & Chief Executive Officer
Founded Cross River in 2008 and has led it as President and CEO since inception, building it into one of the leading banking-as-a-service providers for the fintech industry.
Hiring process
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1
Apply at crossriver.com careers
Browse engineering, compliance/risk, banking operations, product, partnerships, and corporate roles and submit through the Cross River careers site.
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2
Recruiter screen
Confirms role fit, level, US work authorization, remote/hybrid vs office expectations, and pay.
About 7 days
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3
Technical or role-specific interview
Engineering: coding and system design. Compliance/risk: a regulatory or AML/fraud scenario. Product/partnerships: a fintech-infrastructure case.
About 10 days
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4
Panel interviews
Cross-functional interviews with the team on depth, judgment in a regulated environment, and fit.
About 10 days
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5
Offer
Offer aligned to role and location, in USD.
About 7 days
Funding
Awards & recognition
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One of the earliest and most prominent banking-as-a-service providers for fintech · 2026
Cross River
Company information
- Industry: FinTech / Banking-as-a-Service
- Location: Fort Lee, NJ, USA (US; some remote/hybrid)
- Founded: 2008
- Company size: 201-1000
- Website: www.crossriver.com ↗
- LinkedIn: Company page ↗