4,278 Alm Analyst jobs in the United States

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.
Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.
**Job Description:**
At Regions, the Asset Liability Management (ALM) Analyst contributes to the quantitative asset/liability strategy development and market research team. The position is also involved in balance sheet strategy development, balance sheet simulation modeling/forecasting (Earnings-at-Risk/EAR and economic value of equity/EVE), interest-rate risk analysis, market research, and statistical balance sheet assumption support.
**Primary Responsibilities**
+ Aids in the estimation and monitoring of interest-rate risk and other asset/liability risk exposures leveraging a variety of tools and techniques including simulation models, economic analysis and market research
+ Participates in the design, construction, and monitoring of innovative investment, hedging and funding strategies
+ Assists in ALM team development including knowledge sharing and project coordination
+ Develops reports and presentation materials that effectively communicate financial performance, risks, and strategy recommendations
+ Engages and collaborates with others, including portfolio managers, lines of business representatives, and funding managers to provide support for subjects such as earnings forecasting, interest rate risk analysis, funds transfer pricing (FTP), Economic Capital, Capital Planning, Corporate Development, etc.
+ Provides implementable statistical analytics for the support of portfolio modeling
+ Receives instruction, guidance and direction from move senior level associates
This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.
**Requirements**
+ Bachelor's degree in Mathematics, Finance, Statistics, Econometrics, or related field
**Preferences**
+ Master's degree in Mathematics, Finance, Statistics, Econometrics, or related field
+ ALM experience
+ Programming and/or Structured Query Language (SQL) skills
+ Quantitative Risk Management (QRM) skills
**Skills and Competencies**
+ Ability to cultivate and work in a team environment
+ Excellent computing skills including expertise in Excel and Access
+ Good verbal and written communication skills including presentation of financial analysis
+ Strong work ethic and self-motivated
This position may be filled at a higher level depending on the candidate's qualifications and relevant experience.
_This position is intended to be onsite, now or in the near future. Associates will have regular work hours, including full days in the office three or more days a week. The manager will set the work schedule for this position, including in-office expectations. Regions will not provide relocation assistance for this position, and relocation would be at your expense._
**Position Type**
Full time
**Compensation Details**
Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.
The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.
**Job Range Target:**
**_Minimum:_**
$53,266.95 USD
**_Median:_**
$68,470.00 USD
**Incentive Pay Plans:**
This job is not incentive eligible.
**Benefits Information**
Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. ( Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.
+ Paid Vacation/Sick Time
+ 401K with Company Match
+ Medical, Dental and Vision Benefits
+ Disability Benefits
+ Health Savings Account
+ Flexible Spending Account
+ Life Insurance
+ Parental Leave
+ Employee Assistance Program
+ Associate Volunteer Program
Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser.
Details**
Regions Center
**Location:**
Birmingham, Alabama
Equal Opportunity Employer/including Disabled/Veterans
Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

**Position Overview**
At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a LOB Risk Specialist Senior within PNC's Asset and Liability organization, you will be based in Pittsburgh, PA.
This position is primarily based in a PNC location. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager's discretion.
Job Description:
- Highly motivated, analytical self-starter with the ability to work in a dynamic, challenging and often-changing environment.
- Ability to work both independently and in a team setting, driving results that both mitigate risks and achieve business objectives. This includes working with cross-functional teams within the Asset and Liability Management Chief Investment Office and Treasury organizations, other PNC Lines of Business, 2 Line of Defense Risk Areas, Internal Audit and Regulators.
- Ability to present and communicate complex concepts in clear manner, conveying key messages to all levels of management, including senior and executive leaders.
PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.
**Job Description**
+ Executes the Line of Business Risk Management program, identifying opportunities for enhancement where applicable. Enables line of business adherence with risk management programs.
+ Participates in the design and development of the risk management program to meet business and regulatory expectations. Leads in the design and development of specific risk management program components.
+ Executes the risk management programs within or across the lines of business (e.g. - business self-assessment and quality reviews). May lead cross functional teams.
+ Provides risk expertise while working with the businesses and other risk partners (e.g., Compliance, Credit, Legal, Audit).
+ Leads or influences risk initiatives and business as usual activities. Identifies risk, assesses impact and makes recommendations on resolution. Reports and escalates risk and program compliance as appropriate.
PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:
+ **Customer Focused** - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
+ **Managing Risk** - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
**Qualifications**
Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
**Preferred Skills**
Change Management, Conflict Management, Crisis Management, Emerging Risks, Influencing Change, Operations Management, Risk Management Programs, Strategic Planning
**Competencies**
Collaborating, Data Gathering and Reporting, Decision Making and Critical Thinking, Effective Communications, Industry Knowledge, Internal Controls, Operational Risk, Organizational Governance, Process Management, Regulatory Environment - Financial Services, Standard Operating Procedures
**Work Experience**
Roles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience. Certifications are often desired. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
**Education**
Bachelors
**Certifications**
No Required Certification(s)
**Licenses**
No Required License(s)
**Benefits**
PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.
In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.
To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards ( .
**Disability Accommodations Statement**
If an accommodation is required to participate in the application process, please contact us via email at . Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.
**Equal Employment Opportunity (EEO)**
PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
**California Residents**
Refer to the California Consumer Privacy Act Privacy Notice ( to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.**
Need Help? ( you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility ( ?subject=Accommodation%20request)_
_(accommodation requests only; other inquiries won't receive a response)._
**Regular or Temporary:**
Regular
**Language Fluency:** English (Required)
**Work Shift:**
1st shift (United States of America)
**Please review the following job description:**
The ALM Senior Associate will serve as a senior subject matter expert (SME) responsible for forecasting the firm's balance sheet and net interest income and/or monitoring and reporting on the firm's interest rate sensitivity. The person will leverage and oversee junior analysts to deliver a dynamic and accurate forecast for a set of products on the balance sheet under baseline and stress scenarios.
Asset Liability Management (ALM) is a division within the CFO Group responsible for performing the analytics and forecasting function for Corporate Treasury and providing senior management with accurate and timely analysis of the balance sheet and net interest income (NII). Analysis created by this team provides the framework that allows Truist to position its balance sheet consistent with its risk appetite and expectations for changes in market dynamics. ALM maintains close partnerships with various groups across the enterprise, providing key input to critical processes and strategic decisions.
The Deposits Forecasting team within ALM provides quantitative analytics and informed guidance for forecasting and management of the firm's deposit portfolio. The team engages with Deposits Lines of Businesses and Finance teams to collaboratively develop a balance and NII forecast that is leveraged for Corporate Planning at the enterprise level, Interest Rate Risk Management scenarios, and regulatory stress test scenarios. In addition, the team engages in project initiatives to enhance overall efficiency across Corporate Treasury. Results of the team's work are presented to executive management on a regular basis.
Responsibilities may include:
+ Preparing the deposit balance and NII forecasts each month. This includes documentation and challenge of assumptions, reporting results to executive management, and explaining changes versus forecast, prior month, quarter, or year as needed.
+ Standardized and ad-hoc analysis to inform key strategic decisions for deposit balance and rate paid management
+ Partnering with LOBs and Finance to ensure accuracy and precision
+ Execution of CCAR and other internal stress testing routines
+ Project management and change execution on key initiatives around forecasting and analytics
+ Support quarter end Investor Relations materials and talking points presented to investors
Minimum Requirements:
+ Bachelor's Degree in Finance, Business, Accounting, Quantitative, or Economics
+ 5+ years of experience in banking,
+ 3+ years in asset/liability management (ALM).
+ Understanding of financial market dynamics, interest rates, accounting, and financial products
+ Ability to interact at all levels of management.
+ Excellent analytical skills and knowledge of bank's balance sheet.
+ Demonstrated proficiency in basic computer applications, such as Microsoft Office.
Preferred:
+ Chartered Financial Analyst (CFA) Designation.
+ QRM experience.
+ General ledger experience.
+ VB (Visual Basic) experience.
+ Ability to work effectively, as well as independently, in a team environment.
+ Advanced Microsoft Office (Word, Excel, Outlook and PowerPoint) skills.
+ Strong analytical skills with high attention to detail and accuracy
+ Hyperion Essbase experience.
**General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site ( Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.
**_Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace._**
EEO is the Law ( Transparency Nondiscrimination Provision ( (

Asset Liability Management, Treasury - Senior Analyst
Country: United States of America
**Your Journey Starts Here:**
Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.
An exciting journey awaits, if you are interested in exploring the possibilities **We Want to Talk to You!**
**The Difference You Make:**
The Sr. Analyst supports the day-to-day management of Interest Rate Risk and across all Santander US entities. The incumbent provides senior analysis in support of day-to-day execution of Asset-Liability operations related to the measurement, monitoring and reporting of interest rate risk including analyzing and managing exposure to interest rate changes, measuring Net Interest Income (NII) and Economic Value of Equity (EVE) and conducting stress tests and scenario analyses under various interest rate/macroeconomic environments. As part of the role, the Sr. Analyst will,
+ Perform/assist in NII/MVE analysis for monthly production and ad-hoc requests from senior management.
+ Partner with Finance and Business Units to ensure alignment of assumptions and forecasts.
+ Partner with Market Risk Management and Global Treasury to ensure alignment on risk management strategies.
+ Validate the accuracy of internal reporting of financial and market data.
+ Perform variance, reconciliation and forecasting analysis of key financial and market data.
+ Ensure adherence to established standards and risk limits.
+ Contribute to a strong internal control environment by executing and reporting on SOX controls.
+ Ensures treasury policies, practices and procedures are understood, followed and are up-to-date.
+ Communicate effectively with internal stakeholders.
**What You Bring:**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelor's Degree: Finance, Economics, Business or equivalent field. - Required.
3+ Years Financial planning, analysis or related experience - Required.
3+ Years Experience in Asset-Liability Management, Liquidity Risk Management, Interest-Rate Risk Management, Funds Transfer Pricing - Preferred.
+ Ability to work well within a team, prioritize tasks and handle numerous assignments simultaneously.
+ Ability to convey a sense of urgency and drive.
+ Strong verbal and written communication skills in interacting with internal stakeholders.
+ Strong interpersonal, supervisory, and customer service skills required.
+ Excellent analytical, organizational and project management skills.
+ Detail oriented with ability to research, organize and analyze financial data.
+ Strong project management skills.
+ Advanced in MS Word, MIS Excel, QRM (or other ALM tool), MS Outlook.
Certifications:
- CTP (Certified Treasury Professional) - Preferred.
**It Would Be Nice For You To Have:**
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
**What Else You Need To Know** **:**
The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.
**Base Pay Range**
Minimum:
$56,250.00 USD
Maximum:
$95,000.00 USD
**Link to Santander Benefits:**
**Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com) ( Culture:**
We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.
**EEO Statement:**
At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.
**Working Conditions** :
Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.
**Employer Rights:**
This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.
**What** **To Do Next** **:**
If this sounds like a role you are interested in, then please apply.
We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs.
**Primary Location:** Boston, MA, Boston
**Other Locations:** Massachusetts-Boston
**Organization:** Santander Holdings USA, Inc.
AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start **Caring. Connecting. Growing together.**
UnitedHealth Group and Optum businesses operate under regulatory licenses governed by state insurance laws and federal and state banking regulations. Entities such as Optum Bank are required to maintain defined levels of capital and liquidity to support their operations and meet regulatory expectations.
Asset-liability management (ALM) plays a critical role in ensuring that Optum Bank maintains a balanced and resilient financial structure. ALM focuses on managing the risks that arise from mismatches between assets and liabilities, including interest rate risk, liquidity risk, and capital adequacy. This involves monitoring the duration and cash flow characteristics of both sides of the balance sheet, stress testing under various scenarios, and ensuring compliance with regulatory requirements and internal risk limits.
We are seeking to hire a Director of Asset-Liability Management (ALM) to support Optum Bank's compliance with applicable regulations, guidance, and industry best practices related to financial risk exposures. This position will be responsible for developing and maintaining ALM frameworks, conducting risk assessments, and supporting strategic balance sheet decisions.
This position follows a hybrid schedule with four in-office days per week.
**Primary Responsibilities:**
+ Leadership
+ Collaborate with senior leadership and cross-functional teams to strengthen enterprise-wide risk management practices and support strategic decision-making through actionable insights
+ Continuously monitor industry developments, regulatory changes, and market trends to proactively identify emerging risks, and evolving best practices; communicate findings to senior leadership and Asset-Liability Committee (ALCO).
+ Build and lead a high-performing ALM team; foster a culture of collaboration, accountability, and continuous learning to achieve defined goals and support professional development
+ Asset - Liability Management
+ Have a strong theoretical understanding of financial economics and mathematics such as statistics, risk management and balance sheet modeling techniques
+ Conduct in-depth analysis of the Bank's asset and liability composition to foster the development of recommendations that align with the Board's risk tolerance, liquidity needs, and long-term financial objectives
+ Knowledge of banking products like loans, deposits, lines of credit, repurchase agreements, including their structure, risks, and economics
+ Quantify and report IRR metrics including Earnings at Risk (EaR) and Economic Value of Equity (EVE); interpret results to inform on balance sheet risks and potential risk mitigation efforts
+ Lead the preparation and review of ALCO materials, including agendas, minutes, dashboards, and strategic reports; ensure timely and insightful communication of key risks and recommendations
+ Liquidity Management
+ Forecast and assess the Bank's liquidity profile under various scenarios, incorporating business growth, funding mix, market conditions, and regulatory requirements
+ Maintain a robust contingent funding profile ensuring liquidity is available under different stressed scenarios
+ Plan, execute, and monitor brokered deposit programs and issuance to support funding and liquidity objectives
+ Financial Modeling
+ Design, implement, and maintain comprehensive ALM frameworks to effectively identify, measure, monitor, and manage interest rate risk (IRR), liquidity risk, and capital adequacy in alignment with regulatory expectations and internal risk appetite.
+ Conduct scenario analysis and stress testing to assess the impact of market volatility, management decisions, and customer behavior on the Bank's balance sheet. Evaluate potential outcomes across a range of economic and strategic scenarios to inform risk mitigation strategies and support sound asset-liability and liquidity management.
+ Maintain models in accordance with model risk management standards; ensure models are robust, validated, and fit for purpose
+ Develop operational capabilities to support the use of derivatives and other hedging instruments for IRR management, in compliance with regulatory and accounting standards
+ Governance
+ Familiarity with US Regulatory guidelines from the Federal Reserve, OCC, FDIC, and other policy setting entities ensuring the Bank is in full compliance with applicable banking regulations, internal risk policies, and model governance frameworks.
+ Oversee the annual review and update of ALCO-related policies to reflect evolving regulatory guidance, market conditions, and internal governance requirements
+ Serve as a key liaison during regulatory exams, internal audits, model validations, and independent risk reviews; ensure strong documentation, controls, and risk governance
You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
**Required Qualifications:**
+ Four-year degree in a quantitative field including mathematics, economics, finance, actuarial science or a related field
+ 7+ years of experience in asset liability management or financial risk management within a banking environment
+ Solid balance sheet modeling experience in analyzing interest rate and liquidity risk
+ Experience with regulatory requirements and model risk management frameworks
+ Proven leadership experience with the ability to manage and develop high-performing teams
**Preferred Qualifications:**
+ Experience with derivative products and their use in IRR management
+ Experience preparing materials for ALCO or similar governance committees
+ Familiarity with ALM and liquidity modeling tools and platforms
+ Proven ability to collaborate effectively across a complex, matrixed organization to drive results
+ Strategic thinking and analytical problem-solving
+ Solid communication and presentation skills
+ Advanced proficiency in Excel and other financial modeling systems
+ Ability to manage multiple priorities in a fast-paced environment
+ High attention to detail and commitment to accuracy
+ Proactive mindset with a focus on continuous improvement
+ Ability to work independently, to drive results and improve processes
Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $132,200 to $226,600 annually based on full-time employment. We comply with all minimum wage laws as applicable.
_At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission._
_UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations._
_UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment._

**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.**
Need Help? ( you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility ( ?subject=Accommodation%20request)_
_(accommodation requests only; other inquiries won't receive a response)._
**Regular or Temporary:**
Regular
**Language Fluency:** English (Required)
**Work Shift:**
1st shift (United States of America)
**Please review the following job description:**
The ALM Senior Associate will be responsible for consolidation and reporting of the firm's balance sheet and net interest income.
The candidate will be part of the ALM Consolidation team, within the ALM group, which leads the balance sheet and NII consolidation for baseline and stress scenarios. The team develops key reports and analytics that are leveraged in the strategic and risk oversight and reporting of balance sheet products across assets and liabilities. Additionally, the team also engages in project initiatives to improve overall efficiency within the Corporate Treasury. The candidate will leverage support from junior team members to meet the team's priorities and objectives
ALM group, which is a part of the Corporate Treasury function, is responsible for balance sheet and NII forecasting and providing senior management with accurate and timely forecast analysis. The analysis carried out by this team provides a framework for Truist to position its balance sheet in accordance with its risk appetite and expectations for changes in market dynamics.
**ESSENTIAL DUTIES AND RESPONSIBILITIES**
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
+ Support and manage CCAR and other internal stress testing routines and deliverables, including successful completion of all stress testing governance expectations.
+ Prepare the consolidated balance sheet and NI reporting packages for the ALM group. This includes documentation and challenge of assumptions, reporting results to executive management, and explaining changes versus forecast, prior month, quarter, or year as needed.
+ Develop and deploy new forecast reporting routines, identify data requirements, conduct testing, and complete related documentation requirements.
+ Project management and change execution on key initiatives around forecasting and analytics.
+ Partner with Finance, Accounting, Liquidity, Capital, and Risk for various reporting and analysis requests.
+ Subject matter expert on accounting and regulatory reporting requirements and reporting processes for assigned area of responsibility.
+ Support quarter end Investor Relations materials and talking points presented to investors.
**QUALIFICATIONS**
**Required Qualifications:**
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
+ 7+ years of experience in banking or a related field
+ 5+ years in Asset Liability Management (ALM)
+ Ability to interact at all levels of management.
+ Excellent analytical skills and knowledge of bank's balance sheet.
+ Demonstrated proficiency in basic computer applications, such as Microsoft Office.
**Preferred Qualifications:**
+ Master of Business Administration (MBA) or Chartered Financial Analyst (CFA) Designation.
+ Experience with stress testing/Comprehensive Capital and Analysis Review (CCAR)
+ Advanced Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills.
+ General ledger experience.
+ Hyperion Essbase experience.
+ Ability to work effectively, as well as independently, in a team environment. 7. Strong analytical skills with high attention to detail and accuracy
+ Knowledge and understanding of asset liability or liquidity management software, especially QRM.
**General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site ( Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.
**_Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace._**
EEO is the Law ( Transparency Nondiscrimination Provision ( (

CFO Senior Finance Analyst - Asset Liability Management
Charlotte, North Carolina
**To proceed with your application, you must be at least 18 years of age.**
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At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
**Job Description:**
This job is responsible for daily forecasting and analyzing of the bank's balance sheets, Net Interest Income (NII), Funds Transfer Pricing (FTP) and interest rate risk sensitivity. Key responsibilities include partnering with Line of Business (LOB) leaders and teammates across Corporate Treasury, Risk, and the Chief Financial Office (CFO) to deliver a dynamic, accurate, and disciplined forecast by product, LOB, and legal entity under baseline and/or stress scenarios.
Principal subject matter expert responsible for forecasting the firms balance sheet and net interest income and/or monitoring and reporting on the firms interest rate sensitivity. Responsible to deliver a dynamic, accurate and disciplined forecast by product, LOB and Legal Entity under baseline and stress scenarios. Responsible for quality assurance and controls around pertinent external regulatory reporting and risk limits.
Balance Sheet Management (BSM) is a division within the CFO Group responsible for providing executive management with accurate and timely analysis of the balance sheet, net interest income (NII), and non-interest income across Actuals and Forecast. Information generated by this team provides the framework which allows the company to position its balance sheet consistent with its risk appetite and expectations for changes in interest rates. BSM maintains close partnerships with various groups across the enterprise, providing key input to critical processes and strategic decisions. Coordination with Global Risk, Model Risk, Funding Managers, and other Treasury teams facilitates strategic ALM decisions within a controlled framework.
The Interest Rate Analytics (IRA) team is responsible for daily, monthly, and quarterly monitoring of the bank's balance sheet positioning as well as ad hoc analytics to support decision making across Treasury. The IRA team starts with the Bank's spot data position and baseline forecast, then applies a variety of interest rate shocks - both parallel and non-parallel - to quantify and report the Bank's IRR. The interest rate scenarios are largely focused on +/-100 basis points (bps) shocks, however, larger, and smaller shocks are also modeled, analyzed, and reported. The Bank has established risk limits for each metric across the various interest rate shocks, both at the Risk Appetite and non-risk appetite levels.
**Responsibilities:**
- Delivers forecast analysis and reporting with accuracy, presenting results to senior management
- Applies subject matter expertise of the key drivers of the Line of Business, Product balance sheet and Net Interest Income (NII) forecasts, Funds Transfer Pricing (FTP), and FDIC expenses, challenging the forecast and highlighting potential risks
- Identifies opportunities to enhance or simplify processes, improving analytical capabilities for stakeholders
- Delivers forecasting, securitization, deposit pricing, and annual report disclosures with a high level of autonomy
- Interest Rate Risk measurement and analysis for the banking book
- Multiple tools covering earnings and capital at risk on a daily, weekly, and monthly basis
- Partners with Risk to establish risk appetite and monitor different risk appetite statements and non-risk appetite limits
- Performs routine assumption sensitivity analysis ranging from static balance sheet, securities prepayment and reinvestment, deposit rate paid and mix, EVE truncation, etc. OCI forecasting for stress testing
**Skills:**
+ Analytical Thinking
+ Data and Trend Analysis
+ Financial Analysis
+ Financial Forecasting and Modeling
+ Reporting
+ Adaptability
+ Attention to Detail
+ Regulatory Compliance
+ Risk Analytics
+ Scenario Planning and Analysis
+ Benchmarking
+ Business Acumen
+ Business Analytics
+ Financial Management
**Required Qualifications:**
+ Minimum 2 years of experience in data analytics with emphasis on design, testing, and implementation of calculations related to net interest income, cash flows, or risk analytics
+ Finance/Accounting knowledge - experience in balance sheet management, forecasting, or other Corporate Treasury functions
+ Understanding of financial market dynamics, interest rates, accounting, and financial products
+ Ability to manage multiple priorities in a time sensitive environment
+ Ability to work across multiple teams in a collaborative environment
+ Proficient in MS Office tools, especially Microsoft Excel & SQL skills
+ Inquisitive, willing to challenge the status quo and strive to improve processes
**Desired Qualifications:**
+ Experience analyzing fixed income securities, interest rate derivatives
+ Technical Business Analyst skills (SQL, VBA, Python)
+ Prior experience with Model Risk Management
**Minimum Education Requirement:** Bachelor's degree Finance, Business, or Computer Science
**Shift:**
1st shift (United States of America)
**Hours Per Week:**
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
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Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

**Position Overview** At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As an Associate within PNC's Asset & Liability Management (ALM) organization, you will be based in Pittsburgh, PA. The successful candidate may be required to travel to other markets (<5-10%) on a periodic basis. This position is primarily based in a PNC location and is considered an in-office role. Responsibilities require time in the office or in the field on a regular basis.  Some responsibilities may be performed remotely, at manager's discretion. As an ALM Associate, you will be a member of Corporate Treasury's Profitability & Risk Adjusted Return Team. This team partners with executive management, line of business leadership, risk, and finance to promote effective balance sheet usage across our lending businesses through the assessment of customer relationship value, profitability, and risk-adjusted return. Your work will contribute to Corporate Treasury's efforts in optimizing PNC's capital and returns on a risk-adjusted basis for all balance sheet and revenue opportunities. Preferred: - Quantitatively focused undergraduate/graduate degree is preferred (Finance, Economics, Accounting, Mathematics, Computer Science) - Operating knowledge of bank financial statements and/or credit risk preferred - Prior experience with financial/data analysis and managing complex projects - MBA, CPA, CFA (or progress towards completion) a plus PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. **Job Description** + Using independent judgment and discretion, performs financial analysis, conducts research and prepares reports. Performs due diligence and statistical analysis related to liquidity and capital planning management. Participates in stress testing efforts. + Independently conducts peer research in relation to liquidity and capital planning. + Manages and performs defined procedures, analysis and report preparation. Performs data aggregation and quality assurance to ensure timely and accurate management reporting. Performs routine transactions as part of the group's liquidity and capital management responsibilities. + Prepares and aggregates data for forecasting activities based on business and regulatory requirements. + Collaborates with internal partners on topics related to liquidity and capital planning. Assists with the development of executive or board-level presentations. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: + **Customer Focused** - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. + **Managing Risk** - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework. **Qualifications** Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. **Preferred Skills** Asset Allocation, Auditing Operations, Business Case Analyses, Capital Management, Data Analytics, Financial Analysis, Market Research, Strategic Planning **Competencies** Accuracy and Attention to Detail, Asset and Liability Management (ALM), Data Gathering and Reporting, Effective Communications, Financial Analysis, Financial Forecasting and Modeling, Financial Services Industry, Liquidity Management, Market Risk, Regulatory Environment - Financial Services **Work Experience** Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered. **Education** Bachelors **Certifications** No Required Certification(s) **Licenses** No Required License(s) **Benefits** PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards ( . **Disability Accommodations Statement** If an accommodation is required to participate in the application process, please contact us via email at . Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions. **Equal Employment Opportunity (EEO)** PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history. **California Residents** Refer to the California Consumer Privacy Act Privacy Notice ( to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by _American Banker_ magazine as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
Zions Bancorporation is looking for a **Liquidity/Financial** analyst to join the Asset Liability Management team. This position will apply business analysis skills understand regulatory requirements, producing management reports, recommending and developing model and process improvements. This position will also help with other Asset Liability Management team responsibilities include but not limited to interest rate and liquidity risk.
**Responsibilities**
+ Create and analyze financial statements and other financial documents to aide in the compiling the monthly report for the Liquidity Stress Committee (LSC) and Asset Liability Management Committee (ALCO) meeting.
+ Responsible to complete analysis in one or more of the following areas:GL reconciliation, configure Empyrean to generate ALCO reporting that includes banking book interest rate risk, liquidity risk, financial planning, and funds transfer pricing.
+ Improve data quality management procedures and control processes following appropriate standards and requirement gathering
+ Create, update, and maintain policy and procedure documents
+ Assist the ALM and Liquidity team in the developing and analyzing financial models.
+ Acts as a liaison with various departments and project groups to resolve problems
+ Perform special projects as requested and other duties as assigned
**Requirements:**
+ Minimum Qualification: Bachelor's degree in finance or business related, plus
+ 2+ years of business related experience including accounting, finance, financial statements, financial analysis and management experience from a balance sheet of equivalent complexity
**Preference:**
+ Master's in Finance, MBA, or Quantitative disciplines such as Computer Science, Engineering, or Statistic
+ Employs knowledge as a specialist of financial statements, budgeting, forecasting, data warehouses, financial and project management techniques and practices, banking products, banking regulatory requirements and processes.
+ Must have solid analysis, problem solving and communication skills.
+ Requires good judgment, creativity, ability to deliver and accomplish goals.
+ Ability to manage multiple priorities and work independently with minimal supervision
**Competencies/Attributes**
+ Knowledge of statistics, VBA script, and SQL
+ Experience with Microsoft SQL server tools
+ Experience with Python and Power BI
+ Empyrean experience a plus
+ Ability to multitask and data analytics skills
+ Excellent writing, communication and presentation skills
+ Interest in statistical modeling, liquidity, and financial analysis are highly desirable
Located in the heart of downtown Salt Lake City, the Zions Bank Building serves as the headquarters of both Zions Bancorporation and Zions Bank. The building sits adjacent to City Creek Center, a world-class shopping and dining destination with more than 100 stores and restaurants. The Zions Bank Building stands tall among Salt Lake City's central business district, providing hundreds of team members with an exceptional work environment and features such as:
+ Easy access to the City Creek UTA TRAX station, as well as various electric vehicle charging stations in most City Creek area garages;
+ An employee-only fitness center and bike storage;
+ An employee lounge, kitchen, micro market, game tables, couches and TVs;
+ Private mothers' rooms and lockers; and
+ Access to downtown shopping, dining, arts and entertainment.
**Req ID:**
Equal Opportunity Employer
It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at , Mon.-Fri. between 9 a.m. - 5 p.m. MST.
Click here to view applicable Federal, State and/or local employment law posters.