Cheryl Heller

Fractional CFO | Strategic Advisor | Financial Executive

Cheryl has built her career by leading organizations through financial, operational, and cultural transformations. She has deep knowledge and expertise in finance but at the same time, understands the importance of corporate culture and the impact it has on the ability to achieve strategic objectives. She has managed P&Ls and has been responsible for financial forecasts for both large and small organizations. Her specialty lies in creating and overseeing complex, cross-functio…

Cheryl Heller


  • Granate | Navigate life during loss.

    Granate | Navigate life during loss.

    We built Granate to help individuals, families, and caretakers know exactly what to do before and after losing a loved one—so they can focus on what matters most.
  • Hive Wealth | Let's build wealth together.

    Hive Wealth | Let's build wealth together.

    Hive Wealth is a community-first mobile app that helps people grow their wealth and create a bright financial future — not just for themselves, but for generations to come.


  • Pillar One Consulting

    Pillar One Consulting

    Managing Principal

    Jun 2018 - Present

    Pillar One is a boutique consulting firm specializing in Finance and HR consulting. As Managing Principal, Cheryl focuses on helping start-ups and companies in transition ensure they have a robust financial infrastructure. Clients and projects include:

    • Fractional CFO for a growth and impact agency responsible for leading and enhancing financial, operational and corporate governance processes as well as acting as a strategic advisor to the CEO.
    • Fractional Finance and HR Executive for a fintech start-up responsible for establishing financial and HR infrastructure, executing product and pricing strategy, and assisting founder in raising seed funding.
    • Fractional CFO for a death tech start-up responsible for establishing financial infrastructure, providing strategic guidance, and assisting founder in raising seed funding.
    • Strategic advisor for a government consulting firm launching a CFO Transformation within the Department of Defense.
    • Strategic financial consultant for the Private Bank division of a boutique commercial bank.
    • Fractional Finance Executive for a micro-mobility start-up responsible for internal financial management and supporting fundraising.
  • Capital One

    Capital One

    Executive Vice President, Retail and Direct Bank Culture Lead

    Nov 1997 - Apr 2018

    Capital One Financial Corp. operates as a financial holding company. The firm engages in the provision of financial products and services. It operates through the following segments: Credit Card, Consumer Banking and Commercial Banking.

    • Cheryl held a variety of roles across finance, operations and corporate development, including CFO of Capital One's Retail Bank.
  • Pwc


    Senior Tax Associate

    Nov 1994 - Nov 1997

    PWC provides professional services. The Company offers business advisory services such as auditing, accounting, taxation, strategy management, and human resource consulting services.

    • Prepared individual, partnership, and corporate tax returns. Provided tax consulting advice to real estate firms and non-profit institutions. Researched and developed tax position papers for a variety of clients.
  • Aetna


    Staff Auditor

    Jun 1993 - Sep 1994

    Aetna offers a range of traditional, voluntary, and consumer-directed health insurance products and related services.

    • Developed and executed on audits of internal controls within various divisions of company. Supported annual financial statement audit, working in conjunction with KPMG.

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    Jason Gordon
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  • Dario Salas Machado profile image
    Dario Salas Machado
    1. Business Development
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