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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
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 with the US Real-Time Payments (RTP) Product team at the intersection of data, risk, and commercial strategy—helping us make faster, better decisions with clear evidence. We are looking for a highly self-managing analyst who thrives on detailed analytical work, builds durable routines, and is energized by operating in a regulated, high-stakes environment (RTP, Digital Disbursements, Recipient Select, Pay by Bank, ACH, Account Validation, Check Disbursements, and beyond).
Responsibilities:
- Own a repeatable competitive and market monitoring cadence for B2B and B2C payments (RTP and adjacent rails), combining external research with internal partner inputs (Emerging Payments, Retail, Card, Trade, GWIM, Markets, Sales, Marketing, Operations, Technology) and data analytics.
- Translate findings into crisp, executive-ready visual insights: where we are winning/losing, what is changing, and what it means for growth, client experience, and risk posture.
- Build and maintain business cases (volume, revenue, cost, loss/risk assumptions) that support prioritization decisions and measure realized outcomes over time.
- Run structured “voice of client” capture (inputs, themes, quantified pain points) and connect it to performance and risk data to inform product discussions.
Product 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.
Role Focus:
This is an analytics and risk-management role embedded within a product team. You will contribute to strategy and feature discussions, but success is measured by the quality of analysis, controls, and decision support that you will deliver. There is potential to advance into Product Management in the future if so-desired.
Required Skills:
- Strong communication skills - verbal and written
- Demonstrated ability to self-manage: define the problem, build a plan, and deliver high-quality outputs with minimal oversight.
• Ability to juggle multiple workstreams, prioritize ruthlessly, and communicate tradeoffs early.
- Ability to multitask and prioritize work responsibilities
- Exceptional 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, pivoting, structured storytelling).
• 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.
• 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.
- Ability to coordinate across various functions and regions
• Intellectual curiosity and/or advanced analytical thinking (hypothesis-driven analysis, root-cause, variance/anomaly detection)
• Risk management mindset (controls, KRIs/KPIs, issue tracking, escalation)
• Business and financial analysis (unit economics, profitability, forecasting)
• Data storytelling (executive-ready narratives and concise recommendations)
• Stakeholder management and operating cadence (cross-functional coordination, follow-through)
• Process discipline (documentation, repeatability, audit readiness)
Desired skills:
- Bachelor's Degree preferred
- Some experience with treasury payments products
- Experience of working in a large, global financial institution
- Some experience with analyzing and reporting business financials
Shift:
1st shift (United States of America)Hours Per Week:
40Pay Transparency details
US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100)Pay and benefits informationPay range$95,000.00 - $107,400.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligibleThis role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.Skills Required
- Strong communication skills - verbal and written
- Demonstrated ability to self-manage
- Ability to juggle multiple workstreams
- Exceptional attention to detail
- Advanced Excel and PowerPoint skills
- Experience with BI tools
- Experience creating dashboards/reports in Tableau
- Treasury and payments products experience
- Intellectual curiosity and/or advanced analytical thinking
- Risk management mindset
- Business and financial analysis
Bank of America Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Bank of America and has not been reviewed or approved by Bank of America.
-
Fair & Transparent Compensation — The $25/hour U.S. minimum wage, reaffirmed in recent company materials, sets a clear compensation floor that lifts entry-level and operations pay. Public salary information and disclosures provide visible benchmarks for pay across roles.
-
Parental & Family Support — Parental leave extends up to 26 weeks with 16 weeks fully paid for eligible teammates, alongside backup child and adult care and a dedicated Life Event Services team. Family-building assistance offers up to a $20,000 lifetime reimbursement and bereavement leave provides 20 paid days for loss of a spouse, partner, or child.
-
Retirement Support — Retirement programs include a 401(k) match up to 5% of eligible pay plus an additional 2–3% annual company contribution based on service. These employer contributions add meaningful long-term value beyond base pay.
Bank of America Insights
What We Do
We make financial lives better for our clients and our communities through the power of every connection. Our employees are at the heart of this purpose, and are key to driving responsible growth. Every day, across the globe, our employees bring a commitment to our purpose and to driving responsible growth by living our values: deliver together, act responsibly, realize the power of our people and trust the team. A key aspect of driving responsible growth is doing so in a sustainable manner, a critical pillar of which is being a great place to work for our teammates.
Gallery
