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The Role
The Treasury Analyst supports cash management, liquidity forecasting, payments, banking relationships, treasury systems, and financial analytics. Responsibilities include managing Kyriba data and workflows, creating dashboards and reporting, analyzing variances and scenarios, supporting bank accounts and payment solutions, assessing operational and financial risks, maintaining controls, preparing compliance documentation, and improving automation and reconciliation processes. The role also contributes to cross-functional treasury initiatives, responsible AI use, testing, implementation, and change management.
Summary Generated by Built In
Treasury Analyst
Treasury Operations | Treasury | Finance
Full-Time /Springfield, MA or Boston, MA
The Opportunity
As a Treasury Analyst, you'll help turn banking, cash-flow, and payment data into meaningful insights that support liquidity, operational efficiency, risk management, and strategic decisions. You'll play a key role in advancing treasury initiatives across Finance, including enhancements to the treasury management system, payment transformation, reporting automation, and data-driven process improvement.
You'll partner with teams across the business to support daily operations and implement technology solutions that improve cash management, collections, payments, and transactional cash movement. You'll also help support banking relationships, including contracts, annual reviews, compliance requests, risk oversight, and service performance.
The Team
The Treasury team is made up of collaborative problem solvers who use finance, data, and technology to help move MassMutual forward. The team values accountability, agility, continuous learning, and strong partnerships across the business. You'll join a group that embraces innovation, thoughtful risk management, sustainable performance, and work-life balance.
The Impact
Minimum Qualifications
Ideal Qualifications
What You Can Expect at MassMutual
At MassMutual, you'll have the opportunity to do meaningful work within a purpose-driven organization that values long-term impact. In this role, you can expect:
#LI-CM1
#LI-HYBRID
MassMutual is an equal employment opportunity employer. We welcome all persons to apply.
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
California residents: For detailed information about your rights under the California Consumer Privacy Act (CCPA), please visit our California Consumer Privacy Act Disclosures page.
Salary Range: $115,900-$152,100
Treasury Operations | Treasury | Finance
Full-Time /Springfield, MA or Boston, MA
The Opportunity
As a Treasury Analyst, you'll help turn banking, cash-flow, and payment data into meaningful insights that support liquidity, operational efficiency, risk management, and strategic decisions. You'll play a key role in advancing treasury initiatives across Finance, including enhancements to the treasury management system, payment transformation, reporting automation, and data-driven process improvement.
You'll partner with teams across the business to support daily operations and implement technology solutions that improve cash management, collections, payments, and transactional cash movement. You'll also help support banking relationships, including contracts, annual reviews, compliance requests, risk oversight, and service performance.
The Team
The Treasury team is made up of collaborative problem solvers who use finance, data, and technology to help move MassMutual forward. The team values accountability, agility, continuous learning, and strong partnerships across the business. You'll join a group that embraces innovation, thoughtful risk management, sustainable performance, and work-life balance.
The Impact
- Serve as a subject matter expert for the Treasury Management System, preferably Kyriba, supporting configuration, data quality, reporting, controls, and user adoption.
- Develop cash-flow, bank-balance, bank-fee, service-performance, and payment analytics to identify trends, root causes, and opportunities for improvement.
- Create dashboards, scorecards, key performance indicators, and management reporting that translate treasury data into clear business recommendations.
- Perform forecast-to-actual, variance, scenario, and sensitivity analysis to strengthen short-term liquidity visibility and decision support.
- Partner with business teams to design and manage payment solutions, banking structures, system interfaces, and end-to-end cash-flow processes.
- Open, modify, and close bank accounts and integrate them into internal processes, including the general ledger, cash positioning, bank reconciliation, entitlements, and reporting.
- Build and maintain effective relationships with banking partners, with a focus on service quality, pricing, risk, and operational performance.
- Complete bank documentation, service agreements, due diligence, and regulatory or compliance requests accurately and on time.
- Assess financial, operational, fraud, cybersecurity, third-party, and concentration risks related to banking services and supporting technology.
- Collaborate with Treasury, Investment Management, Finance, Technology, Risk, Legal, Compliance, and business partners to optimize banking structures and cash movement.
- Stay current on banking rules, payment standards, and regulatory requirements, and assess how changes may affect processes, systems, data, and controls.
- Document, test, and enhance governance, procedures, data controls, and internal controls; support issue remediation and audit readiness.
- Identify opportunities to automate manual work and improve straight-through processing, data lineage, reconciliation, exception management, and control evidence.
- Use approved AI tools responsibly to support research, summarize information, identify patterns, draft analyses, and improve productivity, while applying human review and following privacy, security, legal, records-management, model-risk, and data-governance requirements.
- Review AI-generated output for accuracy, completeness, bias, explainability, and appropriate source attribution before using it in business decisions or stakeholder communications.
- Lead or support cross-functional initiatives through project management, requirements documentation, testing, implementation, and change-management practices.
Minimum Qualifications
- Bachelor's degree
- 6+ years of relevant experience in cash management, treasury, finance, banking, or financial operations, including experience working in a controlled environment with sensitive financial data.
- 4+ years of experience analyzing large or complex financial datasets and translating insights into actionable recommendations for business partners.
- 4+ years of experience working with Microsoft Excel, including data validation, complex formulas, pivot tables, lookups, charts, and analysis of high-volume datasets.
- 3+ years of experience working with a Treasury Management System, preferably Kyriba, including reporting, data management, or workflow support.
Ideal Qualifications
- Experience with banking relationships, bank products and services, payment methods, bank operations, and treasury technology.
- Experience opening and operationalizing bank accounts, including documentation, system integration, controls, and governance.
- MBA, master's degree, or equivalent advanced training.
- Certified Treasury Professional designation.
- 8+ years of progressive cash management or treasury experience.
- Experience with business intelligence or data-visualization tools, such as Microsoft Power BI.
- Experience integrating data from banks, treasury systems, and SAP S/4HANA.
- Ability to use approved AI-enabled productivity tools responsibly, with sound judgment around confidential information, output validation, and human accountability.
- Experience applying analytics, automation, or AI-enabled capabilities to treasury, payments, forecasting, controls, or operational-risk use cases.
- Knowledge of responsible AI practices, including data protection, appropriate use, explainability, validation, monitoring, and escalation of concerns.
- Strong written and verbal communication skills, with the ability to explain complex analysis to operational teams, business partners, and senior leaders.
- Analytical mindset, strong problem-solving skills, financial acumen, and attention to detail.
- Ability to develop hypotheses, structure analyses, reconcile conflicting data, challenge assumptions, and communicate conclusions, limitations, and recommended actions.
- Ability to work independently, prioritize competing demands, and manage multiple projects and deadlines.
- Ability to build trusted relationships, influence without direct authority, and collaborate across functions.
- Customer-focused approach and commitment to accurate, timely, high-quality results.
- Strong risk and control mindset, including the ability to monitor key controls, investigate exceptions, document evidence, and escalate issues promptly.
- Curiosity and continuous-learning mindset, with interest in evaluating emerging technology and adopting new tools responsibly.
What You Can Expect at MassMutual
At MassMutual, you'll have the opportunity to do meaningful work within a purpose-driven organization that values long-term impact. In this role, you can expect:
- Clear areas of ownership and accountability, with work that connects directly to company and customer outcomes
- A collaborative environment where perspectives are welcomed
- Access to learning, development, and internal networks that support continuous growth and skill-building over time
- Employee-led communities and forums that foster connection, learning, and inclusion across the organization
- A culture grounded in integrity, responsibility, and stewardship-supported by a company with a strong legacy and a future-focused mindset
#LI-CM1
#LI-HYBRID
MassMutual is an equal employment opportunity employer. We welcome all persons to apply.
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
California residents: For detailed information about your rights under the California Consumer Privacy Act (CCPA), please visit our California Consumer Privacy Act Disclosures page.
Salary Range: $115,900-$152,100
Skills Required
- Bachelor's degree
- 6+ years of relevant experience in cash management, treasury, finance, banking, or financial operations
- Experience working in a controlled environment with sensitive financial data
- 4+ years of experience analyzing large or complex financial datasets and translating insights into actionable recommendations
- 4+ years of experience with Microsoft Excel, including data validation, complex formulas, pivot tables, lookups, charts, and high-volume dataset analysis
- 3+ years of experience with a Treasury Management System, preferably Kyriba
- Experience with banking relationships, bank products and services, payment methods, bank operations, and treasury technology
- Experience opening and operationalizing bank accounts, including documentation, system integration, controls, and governance
- MBA, master's degree, or equivalent advanced training
- Certified Treasury Professional designation
- 8+ years of progressive cash management or treasury experience
- Experience with business intelligence or data-visualization tools such as Microsoft Power BI
- Experience integrating data from banks, treasury systems, and SAP S/4HANA
- Ability to use approved AI-enabled productivity tools responsibly
- Experience applying analytics, automation, or AI-enabled capabilities to treasury, payments, forecasting, controls, or operational-risk use cases
- Knowledge of responsible AI practices, including data protection, explainability, validation, monitoring, and escalation
- Strong written and verbal communication skills
- Analytical mindset, strong problem-solving skills, financial acumen, and attention to detail
- Ability to structure analyses, reconcile conflicting data, challenge assumptions, and communicate conclusions and recommendations
- Ability to work independently, prioritize competing demands, and manage multiple projects and deadlines
- Ability to build trusted relationships, influence without direct authority, and collaborate across functions
- Customer-focused approach and commitment to accurate, timely, high-quality results
- Strong risk and control mindset, including monitoring controls, investigating exceptions, documenting evidence, and escalating issues
- Curiosity and continuous-learning mindset with interest in emerging technology
MassMutual Compensation & Benefits Highlights
How does MassMutual ensure its pay and bonus plans are competitive?
MassMutual supports competitive compensation through salary and bonus opportunities, retirement contributions, pay transparency practices and a broad benefits package that adds value beyond base pay. The company also uses long-running pay equity reviews and employee feedback to evaluate whether rewards are supporting employees across roles and life stages.
- Competitive pay and bonus opportunities: MassMutual describes its total rewards approach as holistic and flexible, with competitive salaries and bonuses designed to support employees’ financial well-being. Employees also point to compensation as part of the value proposition, with one sales assistant citing “great benefits and lots of flexibility,” and another employee describing the company’s “good leadership and benefits.”
- Retirement and financial benefits: MassMutual provides a 401(k) benefit of up to 10% of eligible compensation, including a 5% company match and a 5% annual company contribution. The company also treats eligible student loan payments like 401(k) contributions for matching purposes and begins monthly retirement healthcare account contributions for employees starting at age 45.
- Pay transparency and pay equity: MassMutual posts salary ranges in most job postings and has used an independent HR risk management firm to conduct annual adjusted pay gap reviews for 17 years. That approach connects compensation competitiveness with equity and accountability across the employee experience.
- Benefits as part of total rewards: MassMutual’s compensation includes health, dental and mental health benefits, caregiver leave, parental leave, bereavement leave, paid volunteer time, flexible holidays and a Well-Being Wallet of up to $1,250 annually. A head of human resources said, “It’s not about industry standards — it’s about supporting all employees’ well-being in ways that are meaningful to them.”
- External signals:
- Benefits value: Employees on external review sites regularly highlight benefits as a strength, with reviews calling out “excellent benefits,” “great benefits” and a “great benefits package.” (Glassdoor; Indeed)
- Compensation and retention: Employees surveyed on external review sites rate MassMutual’s perks and benefits an A-, with 100% saying perks and benefits play a role in staying at the company. (Comparably)
- Financial stability: MassMutual reported more than $10 billion in insurance and annuity benefits paid in 2025 and total adjusted capital above $34 billion, reinforcing the company’s long-term financial foundation. (MassMutual 2025 Annual Report)
Bottom line: MassMutual supports competitive pay through salary and bonus opportunities, strong retirement contributions, pay transparency, recurring pay equity reviews and benefits designed to support employees’ financial, physical, mental and family well-being.
MassMutual Insights
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The Company
What We Do
Since 1851, MassMutual’s commitment has always been to help people protect their families, support their communities, and help one another. This is why we want to inspire people to Live Mutual. We’re people helping people. Together, we’re stronger.
Why Work With Us
MassMutual has the financial security and stability of a 170+ year old company, with the culture and energy of a startup. We work every day with the customer front of mind to build the best digital experience in the industry.
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MassMutual Teams
MassMutual Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
We believe in capitalizing on the best of being together in our offices as well as personal flexibility. Our workplace philosophy puts office collaboration first, combined with flexibility to work remotely.
Typical time on-site:
3 days a week
