Liquidity Risk Management - Senior Associate (Banking)

About the role

As part of Risk Management and Compliance at JPMorgan Chase, you will identify, assess, and monitor liquidity risks related to the firm's Banking products, including deposits, loans, and undrawn commitments. You will analyze balance sheet changes to evaluate liquidity risk impacts, providing insights on both day-to-day and longer-term shifts in internal and regulatory liquidity stress scenarios. Your role includes delivering independent risk challenge and oversight for business units and liquidity management teams, as well as driving process improvements to enhance the speed and accuracy of risk analysis. Additionally, you will monitor the firm's balance sheet through established limits and indicators, and clearly communicate key evolving risks to senior management.

Responsibilities

• Identify, assess, and monitor liquidity risks related to the firm's Banking products (e.g., deposits, loans, undrawn commitments).
• Analyze balance sheet changes to assess liquidity risk impacts and provide a risk view on day-to-day and longer-term changes in internal liquidity stress test scenarios and regulatory prescribed liquidity scenarios (e.g., liquidity coverage ratio, net stable funding ratio).
• Provide effective independent risk challenge and oversight on business units and liquidity management teams for proposed changes to internal stress assumptions and/or regulatory prescribed stress testing.
• Drive process improvements and innovation to facilitate improved speed and accuracy in delivery of risk analysis and assessments.
• Monitor the firm's balance sheet through limits and indicators designed to control liquidity risk.
• Articulate key evolving risks to senior management in an easy-to-understand manner.

Requirements

• Minimum 4+ years of experience in the banking industry across treasury or liquidity risk; candidates with a background in other risk disciplines (market risk, credit risk, capital risk) or markets and trading businesses are also encouraged to apply.
• Bachelor's degree in Finance, Economics, Mathematics, or a related discipline.
• Proficiency in Excel and PowerPoint. Familiarity with automated solutions, such as Alteryx, Python, or a desire to learn.
• Strong analytical, problem-solving, and decision-making skills. Comfortable with detailed independent analysis, critical thinking, and the ability to challenge the status quo.
• Excellent written and verbal communication skills, particularly in explaining technical concepts.

Benefits

• Competitive total rewards package including base salary determined based on role, experience, skill set, and location.
• Commission-based pay and/or discretionary incentive compensation for eligible roles, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions.
• Comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching, and more.

About Us

JPMorgan Chase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses, and many of the world's most prominent corporate, institutional, and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years, and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing, and asset management.

We recognize that our people are our strength, and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company.

About the Team

Our professionals in Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Risk Management helps the firm understand, manage, and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes, and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.