Job TitleTreasury Pricing & Strategy Senior Analyst
Banesco USA is seeking a
Treasury Pricing & Strategy Senior Analyst for our Treasury business unit.
Primary Job Duties:- Organization & Process Improvement: Assess and streamline Treasury policies, procedures, and workflows; document processes and controls; identify and implement efficiency and automation opportunities across the unit.
- Pricing Models: Develop and maintain pricing models for deposit products and loan products, incorporating funding costs, liquidity premiums, credit spreads, and competitive/market benchmarks; support pricing decisions and profitability analysis for new and existing products.
- New Product Development: Partner with business units (Commercial, Puerto Rico, International, Wealth Management) to structure, evaluate, and launch new treasury-related products and services, including funding, hedging, and deposit/loan structures; prepare business cases and pro formas.
- Liquidity Collaboration: Work closely with the Sr. Liquidity Analyst to align pricing and FTP assumptions with liquidity positioning, cash flow forecasts, and liquidity risk metrics; incorporate liquidity cost/benefit considerations into pricing and product decisions.
- Funds Transfer Pricing: Design, build, and maintain the bank's FTP framework and methodology; calculate and update FTP curves; ensure FTP results are properly allocated and reflected in business unit and product profitability reporting.
- Cross-Functional Coordination: Work with the Treasury Manager on the interplay between FTP/pricing and interest rate risk/liquidity risk management; coordinate with the Investment Portfolio Manager and Investment Accounting/Treasury Operations to ensure consistency across models, reporting, and accounting treatment.
- Reporting & Analytics: Prepare management reporting, dashboards, and ad hoc analyses for the Treasurer and senior management on FTP, pricing, and product initiatives, including polished presentation materials for senior leadership and business unit stakeholders.
Job Requirements:- Education: Bachelor's degree in Finance, Economics, Accounting, or a related field (Master's or progress toward CFA/CTP/FRM a plus).
- Experience: two (2) to four (4) years of experience in bank treasury, ALM, corporate finance, or a related analytical role, ideally with direct exposure to funds transfer pricing and/or deposit/loan pricing.
- Solid understanding of bank balance sheet management concepts, including interest rate risk, liquidity risk, and funding costs.
- Very strong/advanced Excel skills required (complex formulas, pivot tables, financial modeling) and strong PowerPoint skills required for building senior-level presentation materials.
- Solid knowledge of AI and data analytics tools and techniques (e.g., AI-assisted analysis, Python/SQL, Power BI , Tableau or similar) strongly preferred, with the ability to apply them to improve pricing models, forecasting, and process efficiency.
- Experience with ALM/treasury systems (e.g., Empyrean, Bloomberg) a plus.
- Experience working cross-functionally with business units on product development or pricing decisions.
- Excellent written and verbal communication skills, with the ability to translate technical treasury concepts for non-treasury stakeholders.
- Strong organizational skills and comfort operating with a degree of autonomy in a growing area.
- Advanced computer skills including but not limited to Microsoft Office (Word, Excel, Power Point, etc.).
- Must be fluent in English. Proficiency in Spanish is preferred.
- Ability to work independently under minimum supervision and being a proactive learner.
Benefits:- Competitive base salary.
- Paid time off.
- Hybrid schedule.
- 401k with employer match.
- Tuition reimbursement.
- Paid parental leave.
- Medical, Dental, Vision.
- Life Insurance.
- Supplemental Insurances.
- Short-Term & Long-Term Disability Benefits.
- Free parking.
- On-site Cafeteria.
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