Matthew J. Walsh, CPA

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Matt Walsh

With over 30 years of experience in the financial services industry — including 25+ years in executive management — I am a strategic, transparent, and decisive leader. With decades of experience inspiring trust, recruiting and developing top talent, and fostering cultures of collaboration, accountability, and operational excellence – I can be a compliment to any business and leadership team. Known for simplifying complex topics and delivering high-impact strategies, I help drive earnings and financial growth for organizations of all sizes.

Unlock Strategic Financial Guidance

Are you seeking top-tier financial expertise without the commitment of a full-time hire? As an accomplished finance professional with extensive experience in CEO and CFO roles as well as with FP&A and banking, I provide the insights and solutions you need to propel your business forward.

My services

Fractional CFO
  • Strategic planning and execution

  • Cash flow forecasting

  • Budgeting

  • Investor relations

  • Financial reporting and accounting oversight

  • Internal Controls

  • Operational efficiency and process improvement

  • Debt structuring

Financial Planning & Analysis (FP&A)
  • Detailed financial modeling

  • Senerio analysis

  • Performance tracking

  • Actionable insights for better decision making

Banking Expertise
  • Budgeting, forecasting, and financial modeling

  • Pricing strategies and profitability analysis

  • M&A analysis and due diligence

  • Investment portfolio management and performance tracking

  • ALCO and modeling expertise

  • Risk management and regulatory compliance

Why Choose Fractional Financial Services...

  • Access expert financial leadership at a fraction of the cost

  • Flexible engagement models tailored to your business needs

  • Immediate impact - no lengthly onboarding or hiring cycles

  • Proven ability to drive growth, profitability and efficiency

About me

With a proven track record in financial management, analysis, and strategy, I help organizations navigate complex financial challenges, optimize performance, and achieve sustainable growth. My career spans multiple industries, including banking and corporate finance, where I have delivered impactful results for businesses ranging from startups to established enterprises.

Career Highlights

Machias Savings Bank (2019–2025)
  • EVP, Chief Financial Officer & Treasurer

  • Directed financial operations for one of Maine’s largest community banks

  • Oversaw Finance and Accounting, Facilities, and subsidiary operations

  • Spearheaded strategic initiatives for risk mitigation and earnings growth

  • Achieved 79% total asset growth and 77% loan/deposit growth over six years

  • Led employee health insurance plan transformation, delivering cost savings and enhanced benefits

  • Implemented new budgeting/pricing tools and profitability programs

University Credit Union (1997–2019)
  • President & CEO, CFO, SVP Finance & Technology, VP Controller

  • Led rapid growth: assets from $61MM to $313MM, loans from $48MM to $250MM, deposits from $50MM to $253MM

  • Built and led cross-functional teams, drove technology and business growth

  • Extensive community involvement and industry expertise

Contact me

Ready to elevate your financial strategy or looking for ongoing support of your business or financial statement reporting? Let's connect and discuss how I can help your business thrive. Reach out today for a free consultation by email at matthewjwalsh207@outlook.com or by phone at (207) 951-5565.

Berry Dunn (1994 - 1997)
  • Auditor at Berry, Dunn, McNeil and Parker, CPAs

  • Planned and conducted financial statement audits