Treasury Product Analyst - Payments
New York, New York
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Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Description:
US Payments turns technology shifts into scalable, controlled treasury solutions for clients across segments and industries. This role sits within the Global Digital Disbursements (GDD) Product team supporting payments across Zelle, PayPal, Venmo, and other digital payment products. We are looking for a highly self-motivated analyst who thrives on building and growing new products, establishing durable routines, performing detailed analysis, and is energized by operating in a regulated, high-growth payments environment.
Responsibilities include:
Own competitive intelligence and market monitoring across digital digital payments, B2C payments, and adjacent payment ecosystems, leveraging internal and external data sources.
Produce executive-ready insights, analyses, and visualizations that inform product decisions, competitive positioning, and growth opportunities.
Build business cases, financial models, and quantitative analyses to support product strategy, roadmap prioritization, and investment decisions.
Gather and synthesize Voice of Client and stakeholder feedback, connecting customer needs with product performance, operational metrics, and risk considerations.
Develop recurring portfolio reporting and KPI frameworks that provide transparency into adoption, performance, financial results, and strategic initiatives.
Support annual planning, executive presentations, management reporting, and ad hoc analyses with clear, data-driven recommendations.
PRODUCT AND OPERATIONAL PLANNING AND ANALYSIS:
Support requirements and controls documentation by translating business needs, data findings, and risk considerations into clear problem statements, acceptance criteria, and operational readiness artifacts.
Work day-to-day with Product, Operations, Technology, Digital Channels, Sales, and Risk partners to drive alignment, unblock dependencies, and ensure decisions are well-documented and audit-ready.
Build and evolve performance dashboards and deep-dive analyses (adoption, client behavior, unit economics, operational KPIs), including anomaly/variance analysis and clear narratives on drivers.
Develop, enhance, and run risk routines (metric definitions, data sourcing, controls, reporting, issue tracking) to monitor exposure, limits, exceptions, and emerging trends; escalate with clear, evidence-based recommendations.
Maintain internal and client-facing materials that explain product performance, operating model, and risk controls in a clear and accurate way.
Develop, enhance and maintain both internal and client-facing marketing collateral
RISK AND CONTROL MINDSET: You naturally look for what could break, where controls are needed, and how to measure and monitor risk over time-especially in fast-moving, time-sensitive environments.
Required Skills:
Strong communication skills - verbal and written.
Ability to self-manage: define the problem, build a plan, and deliver high-quality outputs with minimal oversight.
Ability to juggle multiple workstreams, prioritize and communicate concerns early.
Ability to multitask and prioritize work responsibilities
Attention to detail and rigorous focus on accuracy, reconciliation, and consistency across deliverables.
Strong project hygiene: version control, documentation, and repeatable routines that scale.
Advanced organizational skills
Advanced Excel and PowerPoint skills (data modeling).
Ability to coordinate across functions and regions and drive work to closure through partners.
Comfort operating in a fast-paced environment where priorities often shift and time-sensitive initiatives are brought in - without sacrificing rigor, controls, or quality.
Intellectual curiosity.
Bachelor's degree required.
Desired Skills:
Some experience with treasury payments products
Experience of working in a large, global financial institution
Some experience with analyzing and reporting business financials
Experience with BI tools (e.g., Tableau) and building repeatable reporting is a plus.
Comfort using AI tools to accelerate research, summarization, and first-pass analysis-paired with strong judgment and validation.
Experience creating dashboards/reports in Tableau is a plus, but not required
Experience developing and analyzing business performance and financials (KPIs, revenue/cost drivers, variance analysis, forecasting).
Treasury and payments products experience (or strong interest in payment rails, settlement, fraud/operational risk) preferred.
Skills:
Analytical Thinking
Critical Thinking
Product Design and Development
Product Management
Written Communications
Oral Communications
Presentation Skills
Project Management
Strategy Planning and Development
Agile Practices
Business Analytics
Market Analysis
Process Management
Research Analysis
Shift:
1st shift (United States of America)
Hours Per Week:
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
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