Transaction Banking, Liquidity Portfolio Management, Vice President

Position Overview

We are seeking an experienced, strategic, and commercially minded Vice President to join our Liquidity Portfolio team. In this role, you will lead deposit and cash management pricing, manage the commercial health of our portfolio, and ensure close alignment with firmwide funding objectives.

You will act as a key bridge between client-facing Coverage teams, Corporate Treasury, and the Liquidity Product team. Your responsibilities will span active trade-level pricing across Demand Deposit Accounts (DDA) and Term solutions, strategic performance tracking of Transaction Banking (TxB) liabilities, and cross-functional market assessment to refine our suite of cash management offerings.

Key Responsibilities

1. Deposit Pricing & Commercial Execution

Deal-Level Pricing & Structuring: Own and manage the end-to-end pricing requests from Client Coverage, establishing competitive and risk-adjusted pricing frameworks across Demand Deposit Accounts (DDAs), fixed/floating Term Deposits, and Notice solutions.
Marginal Trade Evaluation: Analyze deposit request yields to ensure client opportunities are accretive to TxB's financial performance and margin goals.
Sales Enablement: Partner closely with Coverage to support high-value client acquisitions, offering customized, yield-optimized liquidity solutions.

2. Treasury Coordination & Portfolio Performance

Performance Tracking: Work closely with Corporate Treasury, leading periodic performance reviews on TxB balance sheet metrics, liability levels, and margin fluctuations.
Assessing key funding attributes such as FTP updates and funding objectives ensuring they result into actionable commercial pricing targets for the front-office Coverage teams.
Liquidity Metric Alignment: Evaluate the impact of deposit compositions on key regulatory ratios, including the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR).

3. Product Strategy & Market Intelligence

Market Assessment: Undertake periodic research into global interest rate environments, competitor deposit pricing, and commercial cash management trends.
Product Optimization: Collaborate with the Liquidity Product team to enhance existing features (e.g., notice accounts, sweeps) and support the commercialization of new cash management solutions.
P&L Monitoring: Evaluate product adoption rates and client behaviors to identify areas for balance sheet optimization or product enhancement.

4. Risk Management & Governance

Exception & Limit Monitoring: Manage pricing exception queues, ensuring deviations from base rates adhere to established corporate governance structures and risk limits.
Stakeholder Reporting: Prepare polished reporting and presentation materials detailing portfolio performance and liability concentrations for senior leadership and risk committees.

Basic Qualifications

Experience: 6–10+ years of relevant experience in Transaction Banking, Corporate Treasury, Liquidity Product Management, or Cash Management.
Technical Domain Knowledge: Deep understanding of deposit mechanics, DDA structure, fixed/floating rate curve dynamics, and cash concentration solutions.
Analytical Capability: Proven experience managing large datasets to model pricing sensitivities and generate strategic portfolio insights.
Communication & Collaboration: Strong interpersonal skills with an ability to communicate complex balance sheet and liquidity topics clearly to senior management.

Preferred Qualifications

Strong knowledge of bank balance sheet dynamics, funds transfer pricing (FTP), and regulatory frameworks (e.g., Basel III, Regulation D).
Prior experience working inside a fast-paced Transaction Banking environment.
Competency with business intelligence and data visualization platforms (e.g., Reuters, Salesforce,).