Cross River Bank

Gilles Gade founded the bank in 2008 and remains CEO and Chairman. Miranda Hill serves as CFO, and Philip Goldfeder is Chief Public Affairs Officer (per public record).

Cross River operates as a banking-as-a-service platform, providing regulatory infrastructure—lending, payments, deposits—to fintech partners. Deal flow comes from partnerships with companies like Affirm, Coinbase, and Upstart, which originate loans that Cross River funds.

Cross River is a state-chartered community bank regulated by the FDIC and state banking authorities. It also operates a BaaS technology layer, making it both a regulated lender and a fintech infrastructure provider.

Cross River's primary activity is lending and deposit-taking, not direct equity investing. It originates loans through its platform but does not publicly disclose a venture or private equity allocation.

Cross River focuses on consumer lending, small-business lending, mortgages, payments, and credit cards. It avoids investment banking, wealth management, and extensive physical branch operations.

Cross River provides the banking backend for Coinbase and other fintechs, meaning it handles regulatory compliance, lending, and deposit services under its charter. It is not an investor or joint venture partner in most cases.

Cross River is headquartered in New York and primarily serves US-domiciled fintech partners and their customers. No international offices are disclosed.