crewm8-cfo-skills

Reconciles bank accounts and credit cards monthly — matches every transaction to the ledger, resolves exceptions, tracks uncleared items, and documents the process. Use when the user mentions bank reconciliation, transaction matching, reconciling accounts, GL cash balance not matching the bank, or asks about month-end reconciliation or corporate card reconciliation.

Manages banking relationships — account optimization, fee negotiation, credit facility oversight, treasury yield, and fraud prevention. Use when the user mentions banking setup, bank fees, credit facility, treasury yield, investing excess cash, opening new accounts, or asks about banking architecture, account optimization, or fraud prevention.

Builds and maintains a 13-week rolling cash forecast — models inflows, outflows, scenario analysis, and forecast-vs-actual accuracy tracking. Use when the user mentions cash forecast, 13-week forecast, liquidity projection, cash runway, or asks about modeling cash under different scenarios or when cash runs out.

Monitors daily cash position across all accounts, flags anomalies, tracks burn rate, and produces a daily cash snapshot. Use when the user mentions cash position, daily cash check, burn rate, bank balance, or asks about unusual transactions or cash alerts.

Optimizes working capital — improves DPO, accelerates collections, manages inventory, and negotiates payment terms to maximize cash efficiency. Use when the user mentions working capital, cash conversion cycle, DPO, DSO, or asks about improving payment terms, accelerating collections, or optimizing cash tied up in operations.

Routes CFO and financial operations requests to specialized sub-skills based on user intent matching, task classification, and multi-skill chain assembly. Use when the user mentions startup CFO tasks, financial operations, reporting, fundraising questions, cash management, financial planning, strategic advisory, or asks about running any CFO-related workflow.

Manages the full accounts payable workflow including vendor invoice intake, approval routing, payment scheduling, vendor reconciliation, AP aging tracking, and DPO optimization. Use when the user mentions paying vendor invoices, scheduling payments, managing AP aging, reconciling vendors, approving invoices for payment, or asks about accounts payable workflows and vendor payment strategies.

Manages the full accounts receivable workflow including customer invoicing, payment collection and matching, DSO calculation and trend analysis, AR aging reports, collections escalation, and bad debt reserve recommendations. Use when the user mentions invoicing customers, collecting payments, tracking DSO, AR aging analysis, collections follow-up, reconciling customer payments, or asks about accounts receivable workflows and cash collection strategies.

Maintain the general ledger — chart of accounts design, journal entries, month-end adjustments, account reconciliations, and trial balance production.

Run payroll end-to-end — gross-to-net calculations, tax withholding, benefits deductions, contractor payments, and compliance filings.

Track, analyze, and optimize all SaaS subscriptions — renewals, usage analysis, cost optimization, vendor consolidation, and cancellation workflows.

Processes daily financial transactions including invoices, expenses, receipts, credit card charges, and reimbursements with proper categorization, duplicate detection, anomaly flagging, and general ledger posting preparation. Use when the user mentions processing transactions, categorizing expenses, entering receipts into the books, uploading CSV exports from Stripe or QuickBooks, or asks about transaction reconciliation and bookkeeping automation.

Creates and manages operating budgets — annual plans, quarterly refreshes, and rolling forecasts at department-level granularity, with variance tracking and budget-vs-actual analysis. Use when the user mentions "create a budget," "annual plan," "OpEx run-rate," "departmental budget," "budget vs actuals," "re-forecast," or asks about "allocating budget to departments."

Builds business cases and ROI models — NPV, IRR, payback period, and break-even analysis for new initiatives, product launches, market expansions, and capital allocation decisions. Use when the user mentions "business case," "ROI," "NPV," "should we invest in," "payback period," "build vs buy," or asks about "is this partnership worth it" or "compare these two growth initiatives."

Tracks forecast accuracy over time — measures forecast vs actuals, identifies systematic biases, improves forecasting processes, and builds a culture of accountability. Use when the user mentions "forecast accuracy," "forecast vs actuals," "why were we off," "improve forecasting," "forecast bias," "MAPE," or asks about "how accurate were our forecasts" or "what's our forecast track record."

Builds revenue forecasts — cohort-based, pipeline-driven, or SaaS metric-driven models with top-down and bottom-up approaches, growth scenarios, and revenue composition analysis. Use when the user mentions "revenue forecast," "model revenue growth," "forecast ARR," "project pipeline revenue," "growth rate," or asks about "expansion revenue vs new logo revenue."

Runs multi-scenario financial planning — best/base/worst case, sensitivity analysis, trigger events, and contingency planning for startup financial resilience. Use when the user mentions "scenario planning," "best case worst case," "sensitivity analysis," "what if revenue drops," "contingency plan," or asks about "how much runway each scenario gives us."

Analyzes startup unit economics — CAC, LTV, payback period, contribution margin by segment, cohort profitability, and efficiency metrics. Use when the user mentions "CAC," "LTV / CAC ratio," "payback period," "unit economics," "customer profitability," or asks about "which customer segments are most profitable" or "are we making money on each customer."

Manage the capitalization table — track all equity holders, SAFEs and convertible notes, model dilution scenarios, and maintain a fully diluted view. Use when the user asks about updating the cap table, modeling dilution, converting SAFEs, managing the option pool, or understanding ownership percentages.

Build and maintain the investor data room — organize financials, metrics, legal docs, contracts, and customer references for fundraising due diligence. Use when the user asks about setting up a data room, organizing documents for due diligence, or preparing for an investor audit.

Build the financial models and narratives for fundraising — 3-statement projections, SaaS metrics, use of funds, valuation analysis, and investor Q&A prep. Use when the user asks about building a fundraising model, creating pitch deck numbers, modeling use of funds, valuation targets, or preparing for investor Q&A.

Plan and manage the end-to-end fundraising process — timeline, target list, outreach sequencing, pipeline tracking, round structure, and close coordination. Use when the user asks about planning a fundraise, building an investor target list, tracking a fundraising pipeline, or sequencing investor outreach.

Manage investor communications — monthly/quarterly updates, board meeting preparation, investor portals, ad-hoc requests, and relationship nurturing. Use when the user asks about drafting an investor update, preparing for a board meeting, responding to investor questions, or managing investor communications.

Analyze and compare term sheets — valuation, liquidation preferences, anti-dilution, board composition, protective provisions, and option pool dynamics. Use when the user asks about analyzing a term sheet, comparing term sheets, understanding liquidation preferences, modeling exit outcomes, or evaluating board and control provisions.

Prepare for financial audits — schedules, reconciliations, documentation, walkthroughs, PBC (prepared by client) lists, and finding resolution for annual financial statement audits.

Prepares board meeting materials including executive summary, financial review, KPI dashboards, variance analysis, strategic commentary, and action tracking. Use when the user mentions board deck preparation, board meeting materials, financial review for the board, or asks about what to present to the board.

Generates the three core financial statements — P&L (income statement), balance sheet, and cash flow statement — with proper formatting, classifications, and period-over-period comparisons. Use when the user mentions financial statement generation, producing a P&L, creating a balance sheet, formatting a cash flow statement, or asks about consolidated financials.

Design and maintain internal controls — segregation of duties, approval matrices, process documentation, audit trails, and a startup-appropriate control environment to prevent fraud and errors.

Runs the full month-end close process end-to-end, including revenue recognition, accruals, reconciliations, journal entries, and the financial close checklist. Use when the user mentions month-end close, closing the books, revenue recognition, posting month-end accruals, or asks about running the close checklist.

Manage the full tax compliance lifecycle — calendar management, federal and state filings, payroll taxes, sales tax, corporate income tax, R&D credits, and multi-state nexus tracking.

Identify and execute cost optimization opportunities — vendor renegotiation, tool consolidation, process automation, efficiency improvements, and structural cost reduction for startup efficiency.

Guide headcount planning and compensation strategy — hiring prioritization, compensation benchmarking, burn impact modeling, equity grant frameworks, and hiring ROI analysis for strategic talent investment.

Advise on pricing strategy — competitive analysis, willingness-to-pay research, tier design, price increase modeling, discount frameworks, and packaging optimization for startup monetization.

Analyze profitability by dimension — product line, customer segment, channel, geography, cohort — identifying profit drivers and margin improvement opportunities for strategic decision-making.

Identify, assess, and manage financial and operational risks — concentration risk, compliance risk, market risk, operational risk, and insurance coverage recommendations for startup resilience.

Model strategic initiatives and expansion scenarios — market entry, partnerships, M&A, new product lines, platform plays — building financial projections and strategic rationale for major company moves.