Behavioral Finance Analyst Jobs (NOW HIRING)

Summary:

The Treasury & Finance Analyst supports the Bank's 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 position also supports the Bank's expanding 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. The ideal candidate combines strong banking knowledge with exceptional analytical skills and a passion for process improvement and automation.

 Job Functions:

 General Duties

• Learn and maintain proficiency with the Bank's treasury, ALM, financial reporting, and core banking systems.
• Prepare recurring and ad hoc reports for Executive Management, ALCO, the 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 Bank's 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 the Bank's 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 BaaS and Private Label Banking 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.
• Must complete all required training, including Bank Secrecy Act/Anti-money Laundering training, suitable to their position within the bank.

Education/Experience:

•  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.

Skills and Competencies:

• Strong analytical, communication, and organizational skills.

Physical Requirements:

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift up to 25 pounds at times.

Work Arrangement:

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

EEO Statement:

We are an equal-opportunity employer. All qualified applicants will receive consideration for employment regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status, or any other protected category. All offers of employment shall be subject to the successful completion of all pre-employment screenings, verifications, and processes. Failure to comply with these processes or failure to successfully pass all phases of the pre-employment screening will result in a withdrawal of the employment offer.

Other Duties:

Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities required of the employee for this job. Duties, obligations, and activities may change at any time, with or without notice.

Compensation is based on geographic location and individual pay decisions will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.

Benefits:

• 401(k)
• 401(k) matching
• Health insurance
• Dental insurance
• Life insurance
• Paid time off
• Vision insurance
• Short- and Long-term disability
• Company-paid holidays

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