Associate Director - Structuring CM&P, Transaction Banking Solutions

Lloyds Banking Group; Greater London; Hybrid; GBP 120,000 - 180,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Employee share schemes

Discounted shopping

30 days holiday

Wellbeing & parental leave

Job summary

Lloyds Banking Group in London is seeking an Associate Director to lead the structuring of cash management and payments within Transactional Structuring.

You will design complex client solutions across liquidity, treasury, and digital assets, managing end-to-end delivery from deal inception through implementation. The role requires strong stakeholder management, deep product knowledge, and the ability to guide junior colleagues while ensuring regulatory compliance.

Qualifications

• Proven experience in solutioning complex cash management and treasury offerings.
• Experience in Transaction Banking, Treasury Services, Cash Management or liquidity solutions.
• Clear, credible communication in technical internal and external discussions.
• Strong client advisory capability.
• Excellent stakeholder management and influencing skills.
• Experience of digital assets and tokenised money.
• Understanding of corporate treasury operating models for large corporates.
• Professional qualifications in treasury, banking, finance or project management.

Responsibilities

• Lead design and solutioning of cash management, liquidity and treasury solutions.
• Assess legal, regulatory, tax, operational and execution risks associated with proposed structures.
• Lead end-to-end execution of complex Transaction Banking mandates from deal inception through implementation and stabilisation.
• Provide oversight and guidance to Associates in solution papers and Sales presentations.
• Collaborate with Product and Technology to transition strategic concepts into executable client solutions.
• Feedback observations to product teams and understand external market to identify gaps.
• Support delivery of P&L targets and cross-sell opportunities.
• Support the development of the Transaction Banking digital assets strategy.
• Build relationships with internal stakeholders and mentor junior colleagues.
• Ensure compliance with group policy and regulatory requirements.

Skills

Solution design

Deal execution

Stakeholder management

Clear communication

Client advisory

Digital assets knowledge

Treasury operating models

Transaction Banking expertise

Education

Professional qualifications in treasury/banking/finance or project management

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.

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.

What you'll be doing

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
• 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