Financial Analyst - $57.69 - $69.71 per hour

Overview

This role is for a Financial Analyst responsible for leading bank-specific regulatory reporting as banking operations evolve. The position offers significant responsibility in a fast-paced environment with opportunities for growth and increased ownership.

The Financial Analyst will act as the subject matter expert and primary owner of bank regulatory filings, including FFIEC Call Reports. Collaboration with Finance, Legal, Compliance, Engineering, and executive leadership is essential to ensure accurate, timely, and compliant regulatory submissions.

Additionally, the role involves building the regulatory reporting function from the ground up, including developing processes, controls, documentation, and infrastructure to support scalable banking operations.

Responsibilities

• Own the end-to-end preparation and filing of bank regulatory reports, including FFIEC Call Reports 031, 041, and 051, and other filings with the OCC, FDIC, and relevant regulators.
• Develop and maintain the regulatory reporting framework, including reporting calendars, data sourcing workflows, reconciliation procedures, and internal controls to ensure accuracy and completeness.
• Interpret and apply reporting instructions from the FFIEC, OCC, FDIC, and Federal Reserve.
• Ensure proper classification and reporting of buy now, pay later assets, liabilities, income, and capital within regulatory frameworks.
• Monitor changes to regulatory reporting requirements and implement new or revised schedules, thresholds, guidance, and related requirements.
• Collaborate with Accounting, Financial Planning and Analysis, Treasury, Legal, Compliance, and Engineering teams to source data, resolve reporting questions, and maintain consistency between regulatory filings and U.S. GAAP financial statements.
• Support regulatory examinations and audits by preparing documentation, responding to examiner inquiries related to Call Report data, and remediating findings.
• Partner with external auditors and consultants on regulatory reporting matters, including agreed-upon procedures and attestation engagements.
• Develop and maintain documentation of regulatory reporting policies, procedures, and methodologies to support SOX compliance and institutional knowledge.
• Utilize technology and automation to improve accuracy, efficiency, and scalability of regulatory reporting processes.
• Champion the use of artificial intelligence and modern tools to streamline data aggregation, validation, and submission workflows.
• Provide regulatory reporting expertise to leadership regarding financial reporting implications of new products, strategic initiatives, and changes to banking operations.

Requirements

• Bachelor’s degree in Accounting, Finance, or a related field.
• Minimum of five years of experience in bank regulatory reporting.
• Direct, hands-on experience preparing and filing FFIEC Call Reports.
• Deep knowledge of FFIEC reporting instructions, schedules, and regulatory capital calculations.
• Strong understanding of U.S. GAAP and ability to connect GAAP financial statements with regulatory reporting frameworks.
• Experience building or significantly improving regulatory reporting processes, controls, and infrastructure.
• Proficiency with regulatory reporting software or platforms.
• Advanced Microsoft Excel skills.
• Exceptional attention to detail with a proven record of producing accurate, examination-ready regulatory filings.
• Strong communication skills with the ability to translate complex regulatory requirements into clear guidance for cross-functional teams.
• Demonstrated experience using Claude or equivalent large language model tools.
• Comfort using artificial intelligence to enhance productivity, research, and communication.
• CPA, CFA, or other relevant professional certification preferred.
• Experience with data visualization or automation tools is a plus.

Preferred Qualifications

• Experience working with an OCC-supervised national bank or de novo bank reporting requirements.
• Prior experience at a national bank, de novo banking institution, or OCC-regulated organization.
• Experience supporting regulatory reporting during bank charter application or early bank operations.
• Familiarity with consumer lending and buy now, pay later reporting considerations within the Call Report framework.
• Experience with SOX 404 compliance related to regulatory reporting controls.
• Background in financial technology, payments, or high-growth technology environments.
• Experience implementing or administering regulatory reporting systems such as Axiom, Wolters Kluwer, or similar platforms.

Professional Attributes

• Maintain exceptionally high standards and continuously improve quality and performance.
• Address defects and reporting issues proactively before escalation.
• Focus on permanent problem resolution rather than temporary fixes.
• Develop innovative approaches when standard methods are insufficient.
• Act with appropriate speed, recognizing when decisions are reversible.
• Take calculated risks supported by sound judgment.
• Build trust through attentive listening, candid communication, and respectful treatment of others.
• Respectfully challenge decisions when appropriate.
• Demonstrate conviction and persistence without compromising for social agreement.
• Commit fully once decisions are finalized.
• Prioritize key inputs and deliver high-quality work within deadlines.
• Maintain resilience through setbacks and a strong commitment to results.

Compensation & Benefits

• Unlimited paid time off.
• Paid volunteer hours.
• Sabbatical opportunities.
• Life insurance.
• Short-term disability insurance.
• Long-term disability insurance.
• Medical, dental, and vision insurance.
• 401(k) retirement plan with a 6% match.
• Highly discounted gym membership.
• Collaborative working environment.
• Opportunity to work with motivated professionals in a rapidly growing financial technology environment.

Location

(Not specified)