Associate Director – Structuring CM&P, Transaction Banking Solutions

Lloyds Banking Group; Greater London; Hybrid; GBP 110,000 - 180,000; Full time

Benefits offered by this job

Annual bonus

Share schemes

Pension plan up to 15%

Wellbeing initiatives

30 days holiday

Job summary

Lloyds Banking Group in London seeks an Associate Director to lead complex cash management and treasury solution design. You will execute end-to-end mandates, assess risks, and collaborate across Sales, Product, and Technology to deliver scalable client solutions.

With strong experience in Transaction Banking and treasury services, you will mentor juniors and help drive the digital assets strategy while aligning with regulatory requirements.

Qualifications

• Proven experience in solving complex cash management and treasury solutions.
• Experience in Transaction Banking, Treasury Services, or Liquidity Solutions.
• Ability to communicate clearly and influence in technical discussions.
• Strong stakeholder management and client advisory capabilities.

Responsibilities

• Lead design and solutioning of complex cash management, liquidity, and treasury solutions.
• Assess risks (legal, regulatory, tax, operational, execution) of proposed structures.
• Execute end-to-end complex Transaction Banking mandates from inception to stabilization.
• Provide guidance to junior colleagues and support Sales with high-quality submissions.
• Collaborate with Product and Technology to translate concepts into executable solutions.
• Identify market gaps by benchmarking competitor approaches and inform product teams.
• Support P&L delivery for Transaction Banking and cross-sell opportunities.
• Develop and advance the Transaction Banking digital assets strategy.

Skills

Cash management

Treasury services

Transaction banking

Stakeholder management

Presentation skills

Commercial acumen

Job description

End Date

Tuesday 29 September 2026

Salary Range

£0 - £0

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

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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 anAssociate Director to join theCash Management and Payments Structuring team, a part of Transactional Structuringteam withinTransaction 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

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.

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 expertly 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, banking, finance or project management

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 many opportunities to learn, grow and develop.

We keep your data safe. So, we’ll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We’ll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We’re focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.