Financial Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One. As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation. We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do. Job Description The Financial Risk Analyst will support the delivery of robust capital and liquidity forecasting across Financial Risk Management, with a particular focus on month-end balance sheet forecasting, capital and liquidity analysis, controls and governance. The role will support the production, review, and communication of forward-looking risk information, helping management understand movements in capital and liquidity, key sensitivities and available headroom. The analyst will also contribute to the wider prudential risk framework, including ICAAP, ILAAP, Recovery Planning and Wind Down Planning. Key Responsibilities Capital & Liquidity Forecasting • Support the monthly balance sheet forecasting process, including end-to-end capital and liquidity calculations. • Coordinate and validate forecast inputs from relevant stakeholders, ensuring completeness, consistency and timely delivery. • Analyse movements against plan, prior month and previous forecasts, investigating and explaining material variances. • Support the development and maintenance of capital and liquidity forecasting models and supporting analytical tools. • Prepare sensitivity and stress analysis to assess the impact of changes in balance sheet assumptions, funding, business growth and other risk drivers. • Monitor forecast capital and liquidity headroom and identify emerging risks or areas requiring further analysis. • Translate detailed forecast outputs into clear and concise management information for senior management and governance forums. Controls & Process Discipline • Support the design, operation and ongoing enhancement of Financial Risk Management controls. • Maintain appropriate evidence, procedures, review points and documentation supporting control execution. • Support periodic control testing, issue remediation and assurance activities. • Contribute to the team’s wider BLQA, RSCA and control-related deliverables. • Identify opportunities to improve the efficiency, consistency and robustness of forecasting and control processes. Prudential Risk & Governance • Support the production of the ICAAP, ILAAP, Recovery Plan and Wind Down Plan. • Assist with the preparation of analysis and materials for management and committee review. • Support annual reviews and updates of Financial Risk Management policies, frameworks, methodologies and procedures. • Coordinate inputs from Finance, Treasury, Risk and other stakeholders where required. • Maintain clear supporting documentation and audit trails for material analysis, assumptions and management conclusions. Skills & Experience • Strong analytical and numerical capability, with the ability to interpret financial and balance sheet information. • Understanding of capital, liquidity, balance sheet management or broader financial risk concepts. • Strong Excel skills and an ability to work effectively with financial models and large data sets. • Strong attention to detail, particularly around controls, data validation and reconciliation. • Ability to investigate movements and communicate the underlying drivers clearly. • Strong written and verbal communication skills, with the ability to summarise technical analysis for management audiences. • Well organised, with the ability to manage recurring monthly deliverables alongside longer-term projects. • Collaborative approach and ability to work effectively across Financial Risk, Finance, Treasury and other stakeholder groups. Desirable Experience • Previous experience in Financial Risk, Finance, Treasury, Regulatory Reporting, Prudential Risk or a related banking function. • Exposure to capital and liquidity metrics and regulatory frameworks. • Experience supporting ICAAP, ILAAP, Recovery Planning, stress testing or similar prudential risk processes. • Experience of control frameworks, process documentation, reconciliations or assurance activity. Role Profile This is an analytical role combining recurring month-end forecasting responsibility with controls and broader prudential risk support. The role provides exposure across capital, liquidity, stress analysis and prudential planning while developing a strong understanding of the interaction between the balance sheet, business strategy and the bank’s financial risk profile. Additional information The role offers a hybrid / flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days. This position i