Charles Schwab
Senior Manager, Liquidity Analytics
Charles Schwab, San Francisco, California, United States, 94199
Overview
Senior Manager, Liquidity Analytics at Charles Schwab. The Liquidity and Funding Management group within Treasury handles liquidity and funding planning across the corporation and its subsidiaries, including our bank and broker-dealers. We monitor and ensure adherence to regulatory ratios including the Liquidity Coverage Ratio (LCR) and associated public disclosures, Net Stable Funding Ratio (NSFR), FR 2052a Liquidity Monitoring Report. We also develop tools to assist our business partners in analyzing liquidity impacts of business decisions and design liquidity management policies, ensuring compliance at all times. This group collaborates with internal and external partners on ongoing examinations and audits of liquidity practices. What You’ll Do
Monitor and forecast short-term cash flow projections of banking entities; identify liquidity gaps and collaborate with the funding desk to form funding strategies. Analyze near-term funding needs across stress scenarios and work with Funding desk to optimize term borrowings across Broker-dealer and Parent entities to support the metric. Work with Treasury Capital Markets on investments and sales opportunities to ensure optimal deployment of excess liquidity while maintaining regulatory compliance. Provide liquidity guidance for monthly Net Interest Revenue (NIR) forecasts, including long-term funding plans to satisfy Bank and Consolidated liquidity risk metrics. Partner with Treasury Capital Markets to assess liquidity impacts of long-term balance sheet strategies and with Capital Management on capital actions. Lead calibration and annual review of liquidity assumptions used in the Capital Stress Testing (CST) process; oversee the creation of Bank and Broker-dealer funding plans in CST scenarios. Monitor liquidity and funding levels and relevant risk metrics in BAU reporting; respond to regulator inquiries as needed. Run ad-hoc analytical projects related to liquidity and funding; maintain methodology documents and model validations per governance requirements. Prepare and review liquidity materials for senior management and monthly ALCO; present liquidity topics to the treasury team. Collaborate with technology teams to create new liquidity analytics capabilities and automate existing manual processes. What You Have
Experience with data analysis and interpretation, including very large data sets; Advanced SQL skills to extract information and identify anomalies. Excellent analytical, strategic planning, complex problem resolution and leadership skills; ability to translate complex business problems into discrete components. Knowledge of regulatory rules (LCR, NSFR, Enhanced Prudential Standards, Basel III, Liquidity Stress Testing) is highly preferred; bachelor’s degree required, advanced degree a plus. 7+ years of related experience in a financial organization; strong Excel skills; knowledge of Python or another programming language is a plus. Strong written and verbal communication skills; ability to build cross-functional relationships and interact with senior management; strong project management skills with the ability to manage multiple priorities. What’s in it for you
Hybrid work and flexibility; competitive benefits package including 401(k) with company match and Employee Stock Purchase Plan. Paid vacation, volunteering time, sabbatical after every 5 years of service for eligible positions; paid parental leave and family building benefits; tuition reimbursement. Health, dental, and vision insurance.
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Senior Manager, Liquidity Analytics at Charles Schwab. The Liquidity and Funding Management group within Treasury handles liquidity and funding planning across the corporation and its subsidiaries, including our bank and broker-dealers. We monitor and ensure adherence to regulatory ratios including the Liquidity Coverage Ratio (LCR) and associated public disclosures, Net Stable Funding Ratio (NSFR), FR 2052a Liquidity Monitoring Report. We also develop tools to assist our business partners in analyzing liquidity impacts of business decisions and design liquidity management policies, ensuring compliance at all times. This group collaborates with internal and external partners on ongoing examinations and audits of liquidity practices. What You’ll Do
Monitor and forecast short-term cash flow projections of banking entities; identify liquidity gaps and collaborate with the funding desk to form funding strategies. Analyze near-term funding needs across stress scenarios and work with Funding desk to optimize term borrowings across Broker-dealer and Parent entities to support the metric. Work with Treasury Capital Markets on investments and sales opportunities to ensure optimal deployment of excess liquidity while maintaining regulatory compliance. Provide liquidity guidance for monthly Net Interest Revenue (NIR) forecasts, including long-term funding plans to satisfy Bank and Consolidated liquidity risk metrics. Partner with Treasury Capital Markets to assess liquidity impacts of long-term balance sheet strategies and with Capital Management on capital actions. Lead calibration and annual review of liquidity assumptions used in the Capital Stress Testing (CST) process; oversee the creation of Bank and Broker-dealer funding plans in CST scenarios. Monitor liquidity and funding levels and relevant risk metrics in BAU reporting; respond to regulator inquiries as needed. Run ad-hoc analytical projects related to liquidity and funding; maintain methodology documents and model validations per governance requirements. Prepare and review liquidity materials for senior management and monthly ALCO; present liquidity topics to the treasury team. Collaborate with technology teams to create new liquidity analytics capabilities and automate existing manual processes. What You Have
Experience with data analysis and interpretation, including very large data sets; Advanced SQL skills to extract information and identify anomalies. Excellent analytical, strategic planning, complex problem resolution and leadership skills; ability to translate complex business problems into discrete components. Knowledge of regulatory rules (LCR, NSFR, Enhanced Prudential Standards, Basel III, Liquidity Stress Testing) is highly preferred; bachelor’s degree required, advanced degree a plus. 7+ years of related experience in a financial organization; strong Excel skills; knowledge of Python or another programming language is a plus. Strong written and verbal communication skills; ability to build cross-functional relationships and interact with senior management; strong project management skills with the ability to manage multiple priorities. What’s in it for you
Hybrid work and flexibility; competitive benefits package including 401(k) with company match and Employee Stock Purchase Plan. Paid vacation, volunteering time, sabbatical after every 5 years of service for eligible positions; paid parental leave and family building benefits; tuition reimbursement. Health, dental, and vision insurance.
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