Cash Management Analyst

Job Title: Cash Management Operations Analyst

Duration: 12 months with possible extension

Location: Toronto, ON (Hybrid – 2/3 days per week onsite)

Start Date: December 1st, 2026

Work Schedule: 9am-5pm EST

Top 3 Must-Have Skills (deal breakers)

1. Understanding of Canadian banking system
2. Understanding and practical use of LYNX
3. Swift understanding, bonus if hands on experience

Description of the Role

The Individual will:

• Be an active participant in the implementation and launch of the Real Time Rail payment system in Canada.
• Oversee the daily cash flow operations for various bank entities, providing support and data analysis to Global Middle Office, Front Office, Corporate Treasury, and other operations teams within Global Markets.
• Ensure that all bank entities maintains adequate intra-day and end-of-day liquidity to meet regulatory and risk standards, across various currencies and LYNX/Nostro/Vostro bank accounts.
• Monitor and consolidate cash flows in and out of the bank, and report the bank’s final position to the Traders (Front Office) for investment/borrowing purposes.
• Provide consistent and effective service and support to internal business partners (“customers”) as a key escalation point for business product challenges/investigations while ensuring effective management of risk and controls.

Knowledge and experience with the LYNX payment system, an understanding of Canadian dollar cash flow payments, how Canadian banks interact with Bank of Canada, and experience participating in financial services industry initiatives would be considered an asset.

Job Accountabilities

Product & Process

• Manage and resolve day to day issues specific to cash management including resolving complex internal business partner, escalating more complex issues to the manager if necessary.
• Act as the main escalation point for business challenges and meet various cut-off times during the day, as delegated.
• Manage and monitor a complex portfolio of work representing a significant amount of risk.
• Act in an advisory capacity, as a subject matter expert (SME) to senior management on the implications of proposed business decisions related to cash management.
• Lead activities, as a SME for new work related to cash management and liquidity analysis.
• Participate in projects related to areas of cash management and liquidity analysis.
• Provide guidance and support to related business units regarding procedures for cash management.
• Provide timely analysis of information and reports daily liquidity gap analysis to ensure compliance with term and conditions and ongoing maintenance of risk within acceptable levels.
• Continuously assess and improve the operational effectiveness of the liquidity limits within bank.
• Identify and recommend business process improvement efforts related to cash management and liquidity analysis.
• Help to identify and raise operating/technical problems.

Risk & Control

• Maintain key controls and review process, where applicable, to ensure operating integrity, comply with internal and external regulators, involving an understanding of regulatory and compliance requirements as prescribed for the business unit; provide recommendations and implement corrective actions to ensure adherence as required.
• Identify potential risk situations within the scope of works (e.g. risk assessments), make recommendations and/or escalate to the manager, where appropriate, and ensure contingency plan exist.
• Develop, document and maintain standards, process and controls in cash management in order to minimize loss/risk, ensure all regulatory requirements are met, and safeguard the assets of the Bank.
• Understand risks inherent in area(s) of expertise and take appropriate actions, including accuracy and safeguarding of all documentation and any other requirements to ensure operational integrity is maintained within the business.
• Ensure adherence to all aspect of First Principles, our Code of Business Conduct and Ethics Bank standards, policies and procedures (P&Ps) for such things as potential conflicts of interest, safeguarding of customer information, trading in securities, anti-money laundering, privacy and disclosure of outside business activities.
• Ensure strict confidentiality is maintained for Bank information to protect the customer and the Bank and to ensure compliance with Bank P&Ps.
• Follow security and safeguarding procedures and apply appropriate due diligence in accordance with Bank policy for the prevention of loss due to such things as fraud or defalcation.
• Contribute to the management of risk and minimize losses through monitoring and controlling various reports and taking appropriate actions, ensuring compliance requirements, audits and verifications are completed in accordance with Bank P&Ps.

Business Performance Management

• Deliver exceptional customer service that builds trust through responsive, accurate, consistent, knowledgeable and available services and support.
• Align individual performance goals to team and organizational goals.
• Demonstrate behaviours that are consistent with “Our Way” model and aligned with bank values.

KNOWLEDGE AND SKILLS

• University degree or equivalent work experience.
• 3-5 years of related experience.
• Strong knowledge and understanding of cash management process within a financial institution.
• Strong knowledge of the payments industry (eg. SWIFT network, MX messaging).
• Solid knowledge of standard desktop applications used by the business unit (i.e Microsoft Office; Internet Explorer, Microsoft Excel).
• Solid knowledge and understanding of Capital Markets key products and services.
• Solid understanding of risk and regulatory requirements related to Liquidity management within a Financial Institution.
• Solid knowledge of departmental systems and applications (i.e. Wall Street, Calypso, front desk system, WRAP and Intellimatch).
• Solid understanding of internal business, partner’s business, services and organization.

Skills

• Use various application to monitor and reconcile real-time expected transaction activity across the various system/applications V.S. the actual payments processes at the various Nostros or in LYNX.
• Investigate, on the fly, unexpected payments performed and suggest to the Treasury Desk with respect to funding in order to facilitate timely settlement of all transactions.
• Allocate, quickly and accurately, funds among cash accounts to cover intra-day liquidity shortages.
• Work effectively with high volume of transactions and with time constraints.
• Understand the intricacies of transactions from multiple lines of business and have the courage to make quick/sound decisions.
• Build strong relationships internally within T&O and externally with payments staff at the Nostros.
• Strong prioritization skills.
• Strong written and oral communication skills.
• Ability to multi-task in a fast-paced environment.