Roy M. Ruivo

About Roy M. Ruivo

Finance and strategy executive operating as a de facto CFO, specializing in building and scaling finance organizations for high-growth SaaS and FinTech companies.As the de facto CFO at Sunny, I built Finance, Accounting, FinOps, and Compliance from the ground up and now lead financial strategy for a business operating at ~$10M ARR. I combine hands-on execution with enterprise-level rigor, enabling companies to move from early-stage ambiguity to scalable, data-driven growth.My experience spans capital strategy, investor reporting, FP & A, pricing, unit economics, and long-range planning. I develop integrated financial models that inform decision-making across Product, Technology, Operations, and GTM, with a focus on margin expansion, capital efficiency, and sustainable growth.In FinTech environments, I bring additional depth across fund-flow design, payments operations, AML/KYC governance, and compliant financial infrastructure. I have built audit-ready controls, accelerated close cycles, and delivered multimillion-dollar cost savings while preparing organizations for fundraising and scale.As a partner to CEOs, founders, and board stakeholders, I translate complex financial dynamics into clear insights that drive strategy, capital allocation, and execution. I thrive in high-growth environments where I can build, operate, and scale the financial foundation needed to support companies from Seed through Series C and beyond.

Experience

1. VP of Finance & Accounting

   Sunny

   Mar 2024 — Present · US

   Sole finance executive reporting to the CEO, operating as a de facto CFO with full ownership of financial strategy, capital planning, investor relations, and financial operations. Built and scaled the Finance, Accounting, FinOps, and Compliance functions from the ground up, supporting a high-growth FinTech platform at $10M+ ARR.Highlights: Capital Strategy & Equity Governance: Led Series A pricing strategy and cap table structure; directed dilution modeling, debt conversion, option pool expansion, and Carta administration. Investor Relations & Reporting: Primary financial partner to investors and executive leadership; prepare investor- and board-level financial materials and fundraising narratives. Financial Modeling & Planning: Built integrated multi-year forecasting across ARR drivers, pricing, unit economics, margin optimization, breakeven analysis, and workforce planning. Commercial Finance & Revenue: Partner with GTM, Product, and Operations to structure enterprise deals, refine pricing, and evaluate unit economics; supported scale from pre-revenue to ~$10M ARR with pipeline toward ~$35M. Finance Leadership & Buildout: Built and scaled the Finance function end-to-end across FP & A, Accounting, FinOps, and Compliance; led organizational design, workforce planning, and cross-functional alignment. Capital Management & Performance: Oversee $26M in annual spend; implemented budgeting and capital allocation frameworks to extend runway and support scaling toward $35M ARR and $5M EBITDA. Cost Structure & Margin Optimization: Delivered $1.5M in savings and identified $2M+ in forward opportunities across vendor contracts, cloud infrastructure, and operations. Financial Governance & FinTech Infrastructure: Designed GAAP-compliant reporting and controls (ASC 606/718/842); reduced close cycle by 33%; built fund-flow architecture and FinOps processes. Risk & Compliance: Built AML/KYC program and led diligence with regulated partners.

Education

• Bryant University

  Masters in Professional Accountancy (MPAc), Accounting

  2011 — 2011

• Bryant University

  Bachelor of Science (B.S.), Business Administration, Accounting & Economics

  2007 — 2011

Skills

• Financial Accounting
• Gaap
• Assurance
• Internal Controls
• Auditing
• Tax Preparation
• Accounting
• Us Gaap
• Financial Reporting
• Tax
• Corporate Tax
• Cpa
• Microsoft Office
• Financial Analysis