Financial Analyst - Regulatory Capital Management

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 and enabling the communities we support to grow and succeed.  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 at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

This position supports Regulatory Capital Management within Corporate Treasury. The Financial Analyst is responsible for month-end capital reporting and analysis, monitoring peer capital management trends and industry developments, supporting risk-weighted asset (RWA) forecasting and variance analysis, assisting with regulatory stress testing activities, and developing and maintaining supporting documentation. The role partners closely with Finance and Treasury stakeholders to support capital planning, forecasting, regulatory reporting, and process improvement initiatives.

Key Responsibilities

• Prepare, analyze, and present reporting materials throughout the month-end close process.

• Review actual results against forecasts, investigate variances, and provide clear explanations and insights.

• Partner with External Reporting and Management Reporting Operations teams to identify, resolve, and communicate reporting issues.

• Monitor and analyze peer bank capital management trends and industry developments and prepare summary reports and presentations for management.

• Support risk-weighted asset (RWA) forecasting through preparation of variance analyses, maintenance of forecasting support files, investigation of key drivers, and development of management reporting materials.

• Support regulatory stress testing activities, including CCAR forecasting, reporting, analysis, and documentation.

• Develop, maintain, and enhance process documentation, methodologies, and controls related to capital management activities.

• Perform ad hoc financial analysis, reporting, and special projects as requested.

Basic Qualifications

• Bachelor's degree, or equivalent work experience

• Typically three or more years of related experience

Preferred Skills/Experience

• Prior finance experience, ideally within banking or a financial institution

• Financial analyst or accounting background with strong analytical experience

• Exposure to capital, RWA, treasury, regulatory reporting, or forecasting preferred but not required

• Strong Excel skills, including experience analyzing data, preparing variance analysis, and supporting financial reporting

• Working knowledge of financial analysis, forecasting, planning, and general accounting procedures

• Ability to identify drivers of change, resolve exceptions, and reconcile financial data

• Experience with data analysis, reporting, visualization tools, or S-Base

• Master’s degree preferred

Location Expectations:

This role requires working from a U.S. Bank location three (3) or more days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.