Treasury & Finance Analyst

Overview

The Treasury & Finance Analyst supports treasury and finance functions through balance sheet analytics, Asset Liability Management (ALM), liquidity management, funding, capital planning, financial modeling, profitability analysis, and strategic reporting. This role also supports Banking-as-a-Service (BaaS) and Private Label Banking initiatives by developing financial reporting, balance sheet analytics, liquidity monitoring, and profitability reporting for fintech and strategic banking partners.

Responsibilities

General Duties

• Learn and maintain proficiency with treasury, ALM, financial reporting, and core banking systems.
• Prepare recurring and ad hoc reports for Executive Management, ALCO, Board of Directors, regulators, and auditors.
• Develop reporting tools, dashboards, and automated processes to improve efficiency and decision making.
• Coordinate with internal departments and external vendors on treasury and finance initiatives.
• Support strategic Finance and Treasury projects as assigned.

Treasury Duties

• Support the ALM process and model maintenance.
• Prepare monthly ALCO reporting packages and executive presentations.
• Perform interest rate risk, earnings-at-risk, liquidity, and balance sheet analyses.
• Maintain liquidity forecasts, wholesale funding reports, borrowing capacity reports, and maturity ladders.
• Assist with liquidity stress testing, Contingency Funding Plan reporting, regulatory examinations, and internal audits.

BaaS / Private Label Banking

• Support BaaS and Private Label Banking initiatives through financial analysis and reporting.
• Monitor fintech deposit balances, funding concentrations, liquidity trends, and operational metrics.
• Analyze partner, product, and relationship profitability.
• Develop dashboards and executive reporting for fintech and strategic banking partnerships.
• Support forecasting of fintech deposit growth and balance sheet impacts.
• Assist with pricing models, profitability models, and financial analysis for new fintech relationships.
• Partner with Accounting, Operations, Compliance, and Relationship Management teams to support implementation of new partners.

Finance Duties

• Build financial models and forecasting tools.
• Analyze product, customer, and business line profitability.
• Support budgeting, forecasting, variance analysis, and Board reporting.
• Develop Power BI and Excel dashboards for executive management.
• Research and resolve financial data discrepancies.
• Complete all required training, including Bank Secrecy Act/Anti-money Laundering training.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field.
• 3-7 years of bank treasury, finance, FP&A, or financial analysis experience preferred.
• Commercial banking experience preferred.
• Experience with ALM, liquidity management, budgeting, and capital planning.
• Experience with the Empyrean Suite (ALM, Liquidity, Planning, & Profitability) strongly preferred.
• Experience preparing ALCO reporting preferred.
• Experience supporting BaaS, Embedded Finance, Fintech, or Private Label Banking programs preferred.
• Knowledge of fintech funding models, deposit behavior, balance sheet management, and liquidity analytics preferred.
• Advanced Microsoft Excel proficiency required.
• Strong analytical, communication, and organizational skills.

Physical Requirements

• Prolonged periods sitting at a desk and working on a computer.
• Ability to lift up to 25 pounds occasionally.

Work Arrangement

• This position is remote.
• Occasional travel may be required for in-person training or meetings.

Compensation & Benefits

• Compensation is based on geographic location and individual qualifications.
• Benefits include 401(k) with matching, health insurance, dental insurance, life insurance, paid time off, vision insurance, short- and long-term disability, and company-paid holidays.

Equal Employment Opportunity

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected category. Employment offers are contingent upon successful completion of pre-employment screenings and verifications.

Additional Information

This job description is not exhaustive and duties may change at any time with or without notice.