Liquidity Pricing And Funds Management

• Internal Liquidity Valuation:

• Lead the development, implementation, and optimization of the bank’s liquidity valuation methodologies to ensure marginal deposit acquisition is appropriate and total relationship value is effectively measured.
• Provide analytical insights into the cost of funding and deposit behaviors, supporting decision-making at senior levels.
• Ensure alignment of FTP frameworks with regulatory requirements, balance sheet strategies, and profitability goals.
• Bank-Wide Coordination of Deposit-Only Relationships:

• Serve as the central point of coordination for managing deposit-only relationships across business lines.
• Establish frameworks to identify, track, and analyze deposit-only clients to enhance cross-functional understanding and engagement.
• Management of Treasury Deposit Relationships:

• Oversee strategic Treasury deposit relationships, ensuring a balance of growth, stability, and profitability.
• Partner with Relationship Managers (RMs) and other stakeholders to optimize deposit portfolios across corporate, commercial, and retail segments.
• Prospecting Large Depository Relationships:

• Actively prospect and acquire large depository clients, both directly and in coordination with Relationship Managers.
• Lead efforts to deepen existing deposit relationships through innovative solutions and superior client experience.
• Deposit Product Development:

• Work with Team Leads and Relationship Managers to identify effective strategies to increase our liquidity while reducing our cost of funds.
• Collaborate with product, marketing, and technology teams to drive innovation and enhance product offerings.
• Identify any shortcomings in our existing product offering strategies and work with front line to enhance our approach.
• Develop and refine deposit products to address evolving customer needs, balance sheet condition, and competitive pressures.
• Front Line Outreach and Education:

• Educate and engage front-line staff on deposit pricing strategies, liquidity concepts, and Treasury’s role in supporting bank-wide objectives.
• Deliver tailored training programs to build front-line expertise in identifying and managing deposit opportunities.
• Chairing the Deposit Pricing Committee:

• Lead the Deposit Pricing Committee, driving disciplined, data-driven pricing decisions to balance growth, profitability, and risk management.
• Monitor market trends, competitive positioning, and deposit pricing effectiveness.
• Treasury Leadership and Team Development:

• Foster a culture of innovation, collaboration, and excellence within the Treasury team.
• Mentor and develop Treasury staff, ensuring succession planning and a pipeline of future leaders.
• Represent Treasury on cross-functional committees and in interactions with executive leadership.

Education and Experience

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field (MBA, advanced degree or CFA preferred).
• 10+ years of experience in Treasury, Finance, or related areas within the banking industry.
• Strong expertise in ALM, liquidity management, FTP, pricing strategies, and regulatory requirements.

Skills and Competencies

• Strategic Leadership:Demonstrated ability to define and implement strategic initiatives in complex and dynamic environments.
• Governance Expertise:Strong understanding of governance frameworks, regulatory requirements, and policy management in banking.
• Committee Coordination:Ability to manage and influence senior-level committees through effective agenda setting, data presentation, and strategic recommendations.
• C-Level and Board Communication:Proven ability to communicate complex Treasury strategies and recommendations effectively to C-level executives and the Board of Directors, with polished presentation and reporting skills.
• Technical Proficiency:Deep knowledge of FTP, pricing methodologies, balance sheet management, and banking products.
• Analytical Excellence:Exceptional analytical and problem-solving skills, with the ability to synthesize complex data into actionable insights.
• Communication Skills:Outstanding written and verbal communication abilities, with a talent for engaging diverse stakeholders and presenting to senior executives.
• Leadership & Mentorship:Proven experience in leading and mentoring teams, fostering professional growth and collaboration.
• Project Management:Strong organizational and project management skills, with the ability to manage multiple priorities simultaneously.
• Collaboration & Influence:Exceptional interpersonal skills, with a demonstrated ability to build strong relationships across business lines and influence outcomes without direct authority.
• Regulatory Acumen:Comprehensive knowledge of banking regulations and their implications for Treasury operations.