Associate Director – Structuring CM&P, Transaction Banking Solutions

Lloyds Bank plc; City Of London; Hybrid; GBP 120,000 - 160,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

Discounted shopping

30 days holiday

Wellbeing initiatives

Parental leave

Job summary

Lloyds Banking Group is seeking an Associate Director to join the Cash Management and Payments Structuring team within Transaction Banking Solutions in London. You’ll lead complex solutioning for cash, liquidity and treasury, coordinating across product, sales and delivery to ensure end-to-end execution.

You’ll influence senior stakeholders, manage risks, and contribute to digital assets strategy as part of a cross-functional effort to deliver client-centric, compliant solutions.

Qualifications

• Proven experience in solutioning complex cash management and treasury offerings and ability for deal execution.
• Significant experience within Transaction Banking, Treasury Services, Cash Management or Liquidity Solutions including Banking Platforms, APIs, SWIFT.
• The ability to communicate expertlly with clarity, credibility and influence in technical discussions.
• Strong commercial foresight and client advisory capability.
• Excellent stakeholder management and influencing skills.
• Strong presentation, communication and problem‑solving abilities.

Responsibilities

• Leading the design and solutioning of complex cash management, liquidity and treasury solutions.
• Integrating cash, payments, receivables, payables, working capital and FX into holistic client solutions.
• Assessing legal, regulatory, tax, operational and execution risks of proposed structures.
• Leading end-to-end execution of complex Transaction Banking mandates from inception to implementation and stabilisation.
• Providing guidance to Associates in solution papers and Sales presentations; ensuring risk mitigants are clear.
• Collaborating with Product and Technology to turn concepts into executable solutions.
• Feedbacking observations on competitor approaches to product teams to identify gaps.
• Supporting development of P&L targets and cross-sell opportunities.
• Mentoring junior colleagues and ensuring regulatory compliance.

Skills

Cash management

Treasury solutions

Transaction banking

Stakeholder management

Communication skills

Deal execution

Tools

Banking Platforms

APIs

SWIFT

Job description

End Date Tuesday 29 September 2026

Salary Range £0 - £0

We support flexible working –

Flexible Working Options Hybrid Working, Job Share

Job Description Summary .

Job Description

JOB TITLE: Associate Director, Structuring - Cash Management & Payments - Transactional Structuring

LOCATION: London

SALARY: Competitive package available

HOURS: Full Time

WORKING PATTERN: Our work style is hybrid which involves spending at least 3 days per week, or 60% of your time, in the office.

What you’ll be doing

We’re looking for an Associate Director to join the Cash Management and Payments Structuring team, a part of Transactional Structuring team within Transaction Banking Solutions (TBS). The team’s remit spans Cash Structuring & Execution & Digital Assets Strategy. They’re responsible for solutioning & executing transactions whilst actively supporting origination, product and commercialisation teams managing TBS CIB clients. Providing specialist expertise across liquidity, payments, collections, account structures and treasury transformation initiatives, while ensuring successful delivery through an end-to-end transaction execution framework. The team supports the development of the bank's digital assets strategy within Transaction Banking, identifying future opportunities relating to tokenised money, digital payments, settlement innovation and emerging cash management models! Working closely with Sales, Product, Coverage, Implementation, Operations, Technology, Legal, Risk and Compliance, the Associate Director acts as a solution architect and execution lead for strategically important and complex client opportunities.

Your accountabilities will include:

• Leading the design and solutioning of complex cash management, liquidity and treasury solutions
• Integrating cash, payments, receivables, payables, working capital and FX considerations into holistic client solutions
• Assessing legal, regulatory, tax, operational and execution risks associated with proposed structures, helping to identify and mitigate commercial risks
• Leading the end-to-end execution of complex Transaction Banking mandates from deal inception through implementation and stabilisation
• Providing oversight and guidance to Associates in the preparation of solution papers and contribution to Sales team presentations, ensuring accurate analysis, clear articulation of risks and mitigants, and high-quality committee‑ready submissions
• Collaboration with Product and Technology teams to transition strategic concepts into executable client solutions
• Actively feedback observations around competitor approaches and capabilities to the product teams. Understand the external market and competitor capabilities, enabling LBG to consider gaps in proposition with the potential to unlock growth
• Supporting the delivery of P& L targets of Transaction Banking business. This includes identifying cross‑sell opportunities
• Supporting the development of the Transaction Banking digital assets strategy including business cases and commercialisation strategies for emerging capabilities
• Building relationships with internal stakeholders across Sales, Coverage, Product, Risk Operations, Client Services, and delivery, acting as a trusted partner
• Supporting the development and mentoring of junior colleagues
• Ensuring compliance with group policy and regulatory requirements

What we need from you

Essential skills:

• Proven experience in solutioning complex cash management and treasury offerings and ability for deal execution, collaborating effectively with internal and external partners
• Significant experience within Transaction Banking, Treasury Services, Cash Management or Liquidity Solutions including Channels e.g. Banking Platforms, APIs, SWIFT, Cash products, Cheque products, Card products
• The ability to communicate expertlly with clarity, credibility and influence in technical internal and external discussions
• Strong commercial foresight and client advisory capability
• Excellent stakeholder management and influencing skills
• Strong presentation, communication and problem‑solving abilities

Desirable skills:

• Experience of digital assets, tokenised money, stablecoins, CBDCs or emerging settlement technologies
• Deep understanding of corporate treasury operating models for large corporates and institutional clients
• Professional qualifications in treasury, finance or project management

Why Lloyds Banking Group?

We’re on an exciting journey and there couldn’t be a better time to join us. The investments we’re making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive.

This is a place for you

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues, and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative. We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. As a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long‑term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need. We also offer a wide ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual performance‑related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 30 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to do confidential or sensitive information once you have formally been invited. We also provide reasonable adjustments to reduce or remove barriers.

Should you wish to contact us for any reason, please email us at: [e-mail]

For more Flexible Working Options please use the free text search, e.g. job sharing, variable hours, to identify relevant matches.