Securities Services - Balance Sheet & Liquidity Optimization - Associate
J.P. Morgan
Short Job Description:
Join our team to drive the optimisation of operating deposits and technical liquidity, enhancing Net Interest Income (NII) and balance sheet efficiency. You will influence internal funds transfer pricing, oversee investment strategies for client deposits, and partner across Payments, Markets, CIB and Corporate Treasury to maximise usage and ensure appropriate compensation.
Are you passionate about financial optimisation and ready to make a meaningful impact? As an Associate in FX and Liquidity team that is focused on Deposit and Balance Sheet Optimisation, you will collaborate with cross-functional teams to improve NII, balance sheet outcomes, and drive strategic business growth. You will have the opportunity to shape internal frameworks, challenge regulatory changes, and advance the digital agenda. If you thrive in a dynamic environment and enjoy problem-solving, we encourage you to apply.
Job Summary:
As an Associate in Liquidity and Balance Sheet Optimisation, you will partner closely with CIB Treasury, Markets FRM, Payments Liquidity Product, and Securities Services Product and Sales. You will optimise operating deposits and technical liquidity, influence internal funds transfer pricing rates, and oversee the investment of client deposits. You will review and communicate regulatory and internal framework changes, coordinate responses with CIB stakeholders, and lead initiatives to automate processes and improve information presentation.
Job Responsibilities:
- Optimise operating deposits and technical liquidity (90-day liquidity) to enhance NII and balance sheet outcomes
- Review and influence rates paid or charges to the business for deposits and balance sheet usage via internal FTP and agent bank interest rates
- Oversee investment of client deposits, enabling Corporate Treasury and Markets to maximise usage and ensure appropriate compensation
- Review, understand, communicate, and challenge regulatory changes and internal frameworks linked to deposits, capital, and NII
- Coordinate responses with broader CIB partners
- Understand liquidity and deposit drivers of client decisions; partner with Sales, Product, and Finance & Business Management to inform long-term decisions
- Lead or partner on Securities Services initiatives to automate processes, improve information presentation, and advance the digital agenda
- Build and deliver ad-hoc and structured analytics to deepen understanding of capital, deposits, liquidity, and NII
- Proactively communicate changes and provide timely, accurate insight on risks and opportunities
- Continuously identify and execute productivity improvements across processes and reporting
Required Qualifications, Capabilities, and Skills:
- Execution-focused, motivated self-starter who learns quickly and manages a matrix of partners effectively
- Experience in liquidity, deposit optimisation, or balance sheet management
- Demonstrated ability to take initiative, solve problems independently, and set direction
- Proven ability to influence and partner with business leaders
- Strong commercial acumen, able to shape strategic business vision and improve bottom-line results
- Effective communicator, able to create logical, conclusive presentations and distil complex subjects into management-ready materials
- Strong attention to detail
- Working knowledge of interest rates, balance sheet, liquidity, and deposits
- Expert Microsoft PowerPoint and Excel skills
Preferred Qualifications, Capabilities, and Skills:
- Familiarity with interest rate hedging and technical liquidity concepts
- Ability to drive automation and digital initiatives
J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.
J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.
Join our team to drive the optimisation of operating deposits and technical liquidity, enhancing Net Interest Income (NII) and balance sheet efficiency.
