Associate Director – Structuring CM&P, Transaction Banking Solutions

Lloyds Bank plc; Greater London; Hybrid; GBP 120,000 - 180,000; Full time

Benefits offered by this job

A generous pension contribution up to

Annual performance-related bonus

Share schemes including free shares

30 days' holiday

Job summary

Lloyds Bank plc in London is seeking an Associate Director to join the Cash Management and Payments Structuring team within Transaction Banking Solutions. You will design complex cash management and liquidity solutions, guiding end-to-end deal execution from inception through implementation.

You will work with Sales, Product, Coverage, and Technology to articulate risks, mitigate commercial threats, and mentor junior colleagues while supporting P&L targets and the bank's digital assets strategy.

Qualifications

• Proven experience in solutioning complex cash management and treasury offerings with deal execution.
• Strong communication, credibility and influence in technical discussions.
• Excellent stakeholder management and problem-solving abilities.

Responsibilities

• Lead design and solutioning of complex cash management and liquidity solutions.
• Assess risks and ensure compliant, robust client structures.
• Oversee end-to-end execution from deal inception to stabilisation.
• Mentor junior colleagues and support Sales with presentations.

Skills

Cash Management

Treasury Solutions

Deal Execution

Stakeholder Management

Communication

Job description

**End Date**Tuesday 29 September 2026**Salary Range**£0 - £0**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 requirementsWe'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 abilitiesDesirable 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 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 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.**With 320 years under our belt, we're used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers.Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.