$60-$150/hr treasury and cash management work, on your schedule
Review a model's liquidity forecasts and hedging strategies the way you'd review them before a funding decision. Flag the covenant risk and the hedge that doesn't offset.
Trusted by top research companies
Hi, we're Zac and Jack, the founders of Terac. We want to talk to you directly, because you are the most important part of what we're building.
Terac is a community of experts. People who have spent years getting good at something specific and hard. The world is about to need more of you, not less. As AI takes on more of the world's work, the bottleneck shifts to the people who actually know what they're talking about.
Expert labor is the rarest resource in the world right now, and it is shockingly hard to find. The companies that need a treasury analyst's eye on a liquidity forecast spend weeks chasing people, paying placement fees, and settling for whoever is available. Meanwhile thousands of qualified people are sitting with knowledge that no one ever asks for.
That gap is what we're here to close. Every project that lands on Terac is routed to the people who actually know the answer, on their schedule, paid fairly, and only when the work is verified. No middleman taking a cut of your time. No vague gigs. No chasing checks.
We care about every single person in this community. If you join Terac, you're not a row in a database to us. We read the feedback. We answer the emails. We will fight for you when a customer is being unreasonable, and we will be honest with you when something on our side is broken. The quality of this panel is our entire company, and we owe you a serious bar.
If you've made it this far, here is what we're asking: claim your profile. Put your expertise on the record. Let the world's most ambitious teams come find you for the work only you can do.
Treasury questions
Still curious? Write to us at support@terac.com.
FX and derivatives specialists are actively useful because models struggle most with that judgment: hedge designation under ASC 815, forwards versus options for an exposure, and reading Bloomberg FXGO in context. Your CTP plus hands-on derivatives work is a stronger signal than a generalist background.
You evaluate hypothetical scenarios, anonymized cases, and AI reasoning, never real transactions or proprietary deal data. You're never asked to input information tied to your firm's banking relationships or positions. If a task prompts for non-public institutional data, decline it; task design avoids that situation.
Tasks include AI-drafted liquidity forecasts, working capital analyses, bank account structure recommendations, short-term investment policy sections, and netting or pooling proposals. You may also assess reasoning on TMS configuration trade-offs across Kyriba or GTreasury, or ISO 20022 messaging. You flag logic errors, missed constraints, and advice wrong for the company profile.
An active CTP is not required. We qualify you on demonstrated expertise and current work, not credential maintenance. A lapsed CTP plus a senior finance role with treasury oversight, such as managing bank relationships or covenant compliance, is sufficient. A CCM or treasury-applied FPAC counts toward your profile too.
Most current tasks are written from a corporate treasury view: cash concentration, payment factory design, revolver management, investment policy compliance, and forecast variance. Sell-side scenarios are a smaller share. Specific context, like a multinational with notional pooling or a PE-backed company managing covenant headroom, makes your evaluations more valuable.
Why your expertise matters
Today's treasury AI generates cash forecasts, FX hedges, and counterparty analysis that sound plausible but are structurally wrong. Only someone who has worked through a liquidity crunch or run a revolving facility catches it. Your reference frame for commercial paper, repo, and swaps spots errors that never show up in a textbook.
How pay works
Top of the band goes to narrow, high-stakes depth: FX derivatives structuring, ISDA negotiation, in-house banking, or multi-entity cash concentration. All work is remote and you invoice only for tasks you complete. There are no shifts, and payment releases after your output is verified.
What the work looks like
A sample of the treasury and cash management work you would pick up. Every project is scoped, remote, and paid on verified completion.
- Review a model's 13-week cash forecast for a mid-market manufacturer and flag methodological errors in how seasonal receivables and revolver draws are modeled.
- Evaluate an AI-written ISDA Master Agreement summary and catch where it mischaracterizes close-out netting provisions or collateral thresholds.
- Assess a model's call on a USD/EUR cross-currency swap versus natural hedging, correcting how basis risk or ASC 815 hedge accounting eligibility is treated.
- Build a worked example of how you evaluate a new bank counterparty for short-term investment eligibility, including the credit metrics and covenant triggers you check.
- Score machine-written answers on optimizing overnight portfolio yield, rating each on technical accuracy and feasibility given typical bank credit policy.
- Identify the failure modes in an AI explanation of notional pooling versus zero-balance accounts, noting where it conflates tax, currency limits, or bank requirements.
Specialties we match
Treasury projects span a wide range of focus areas. Tell us where you go deep and we route the work that fits.
- Liquidity risk modeling
- FX hedging and derivatives
- Cash flow forecasting
- Bank relationship management
- Money market instruments
- Interest rate swap structuring
- Notional pooling and cash concentration
- Working capital optimization
- TMS administration (Kyriba, FIS Quantum, GTreasury)
- ISDA/CSA documentation
- Regulatory compliance (LCR, NSFR, Dodd-Frank)
- In-house banking
