Intraday Liquidity Analyst

BMO; Toronto; On-site; CAD 65,000 - 140,000; Full time

Job summary

BMO Financial Group is seeking an Intraday Liquidity Management professional to monitor liquidity positions, produce reports, and support forecasting and risk analysis across global time zones.

You will collaborate with lines of business, prepare analyses, and help enhance processes using automation and AI tools. The role emphasizes data-driven decision-making and cross‑functional teamwork.

Qualifications

• 1–3 years of relevant experience and a post‑secondary degree in a related field.
• Knowledge of treasury, liquidity, payments, financial markets, finance, operations, data analytics, or related risk‑management disciplines.
• Strong analytical and problem‑solving skills.
• Ability to work with large data sets and identify trends, exceptions, and drivers.
• Strong verbal and written communication skills.
• Strong collaboration and teamwork skills.
• Ability to manage recurring deliverables while responding to time‑sensitive issues.
• Experience with financial analysis, forecasting, reporting, data analytics, or treasury processes is preferred.
• Working knowledge of automation and AI tools and their practical application.

Responsibilities

• Performs daily and intraday monitoring of liquidity positions, payment and settlement activity, capacity utilization, thresholds, and early‑warning indicators.
• Produces recurring intraday liquidity reports, analytical outputs, dashboards, and supporting management information.
• Prepares forecast inputs and supports forecast production, forecast‑versus‑actual matching, variance tracking, exception review, and recurring driver analysis.
• Compiles, reviews, and analyzes data from multiple sources to support monitoring, forecasting, reporting, and risk analysis.
• Supports stress testing, threshold and EWI analysis, buffer analysis, behavioral analysis, and other methodology activities.
• Supports investigation of unusual payment flows, position movements, data‑quality issues, and other exceptions, escalating material items as appropriate.
• Analyzes business activity, products, payment flows, and operational changes to help assess their impact on intraday liquidity.
• Supports line‑of‑business engagement by preparing analysis, gathering inputs, tracking follow‑up items, and helping explain liquidity and forecast drivers.
• Supports regulatory reporting, committee materials, control evidence, issue tracking, and responses to audit and second‑line requests.
• Supports the implementation and ongoing enhancement of intraday liquidity processes, reporting capabilities, and analytical tools.
• Identifies opportunities to improve data quality, reporting, controls, and recurring processes through approved automation, analytics, and AI tools.

Skills

Analytical skills

Communication skills

Team collaboration

Data analytics

Forecasting

Automation & AI tools

Large data sets

Payment & settlements knowledge

Education

Post-secondary degree

Tools

Automation tools

AI tools

Job description

The Intraday Liquidity Management function, within Corporate Treasury, oversees liquidity risk arising from the Bank’s global payment and settlement activities. The team strengthens intraday liquidity capabilities, optimizes liquidity usage, and operates within the first line of defense to identify, monitor, and manage intraday liquidity risk. The role requires effective collaboration and communication with lines of business and other internal and external partners across global time zones.

• Performs daily and intraday monitoring of liquidity positions, payment and settlement activity, capacity utilization, thresholds, and early‑warning indicators.
• Produces recurring intraday liquidity reports, analytical outputs, dashboards, and supporting management information.
• Prepares forecast inputs and supports forecast production, forecast‑versus‑actual matching, variance tracking, exception review, and recurring driver analysis.
• Compiles, reviews, and analyzes data from multiple sources to support monitoring, forecasting, reporting, and risk analysis.
• Supports stress testing, threshold and EWI analysis, buffer analysis, behavioral analysis, and other methodology activities.
• Supports investigation of unusual payment flows, position movements, data‑quality issues, and other exceptions, escalating material items as appropriate.
• Analyzes business activity, products, payment flows, and operational changes to help assess their impact on intraday liquidity.
• Supports line‑of‑business engagement by preparing analysis, gathering inputs, tracking follow‑up items, and helping explain liquidity and forecast drivers.
• Supports regulatory reporting, committee materials, control evidence, issue tracking, and responses to audit and second‑line requests.
• Supports the implementation and ongoing enhancement of intraday liquidity processes, reporting capabilities, and analytical tools.
• Identifies opportunities to improve data quality, reporting, controls, and recurring processes through approved automation, analytics, and AI tools.

Qualifications

• 1–3 years of relevant experience and a post‑secondary degree in a related field, or an equivalent combination of education and experience.
• Knowledge of or experience in treasury, liquidity, payments, financial markets, finance, operations, data analytics, or related risk‑management disciplines.
• Strong analytical and problem‑solving skills.
• Ability to work with large data sets and identify trends, exceptions, and drivers.
• Strong verbal and written communication skills.
• Strong collaboration and teamwork skills.
• Ability to manage recurring deliverables while responding to time‑sensitive issues.
• Experience with financial analysis, forecasting, reporting, data analytics, or treasury processes is preferred.
• Working knowledge of automation and AI tools and their practical application.

Salary

$65,000.00 - $140,000.00

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part‑time roles will be pro‑rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO’s total compensation package will vary based on the pay type of the position and may include performance‑based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

Pay Type

Salaried

The above represents BMO Financial Group’s pay range and type.

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in‑depth training and coaching, to manager support and network‑building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.