Associate, Structuring- Cash Management & Payments, TBS

Lloyds Banking Group; Greater London; Hybrid; GBP 55,000 - 85,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

Discounted shopping

28 days holiday + bank holidays

Wellbeing initiatives

Parental leave

Job summary

Lloyds Banking Group in London is seeking an Associate to join the Cash Management & Payments Structuring team within Transaction Banking Solutions. The role involves designing holistic liquidity and treasury solutions, supporting end-to-end execution, and collaborating with sales and technology to deliver client-focused outcomes.

The team covers liquidity, payments, receivables, payables, working capital and FX considerations, with a focus on delivering end-to-end transaction execution while

Qualifications

• Experience in Cash Management & Payments product spectrum.
• Self-starter, highly organized with strong problem-solving skills.
• Strong stakeholder management with the ability to work collaboratively with internal and external partners.
• Effective communicator able to explain sophisticated topics and influence across groups.

Responsibilities

• Assist senior colleagues in designing and solutioning complex cash management, liquidity and treasury solutions.
• Support end-to-end execution of complex Transaction Banking mandates from deal inception to implementation.
• Produce solution papers, transaction approval materials and support Sales teams for client presentations.
• Assist in assessing legal, regulatory, tax, operational and execution risks for proposed structures.
• Support delivery of P&L targets and identify cross-sell opportunities.
• Collaborate with Product and Technology teams to translate concepts into executable client solutions.
• Build relationships with internal stakeholders across Sales, Coverage, Product, Risk Ops, Client Services and delivery.
• Ensure compliance with group policy and regulatory requirements.

Skills

Cash management

Payments

Stakeholder management

Problem solving

Communication skills

Job description

End Date

Tuesday 29 September 2026

Salary Range

£0 - £0

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

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Job Description

JOB TITLE: Associate, Structuring -Cash Management & Payments – Transaction Banking Solutions
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. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

What you’ll be doing

We’re looking for anAssociateto join theCash Management and Payments (CM&P) Structuring team apart of Transactional Structuringteam withinTransaction Banking Solutions (TBS).

The team’s remit spans Cash Structuring & Execution & Digital Assets Strategy. They are responsible for solutioning & executing transactions whilst actively supporting origination, product and commercialisation teams managing TBS CIB clients. They provide specialist expertise across liquidity, payments, collections, account structures and treasury transformation initiatives, while ensuring successful delivery through an end-to-end transaction execution framework.

They also support 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!

Your accountabilities will include:

• Assisting senior colleagues in 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

• Assisting senior colleagues for the end-to-end execution of complex Transaction Banking mandates from deal inception through implementation and stabilisation

• Producing solution papers, transaction approval materials and support Sales Teams for client presentations

• Supporting assessment of legal, regulatory, tax, operational and execution risks associated with proposed structures, helping to identify and mitigate commercial risks

• Supporting the delivery of P&L targets of Transaction Banking business. This includes identifying cross-sell opportunities.

• Supporting the collaboration with Product and Technology teams to transition strategic concepts into executable client solutions

• Building relationships with internal stakeholders across Sales, Coverage, Product, Risk Operations, Client Services, and delivery, acting as a trusted partner

• Ensuring compliance with group policy and regulatory requirements

Why join us

If you think all banks are the same, you’re wrong. We’re a pioneering, fast-changing business that’s shaping finance as a force for good. If you’re after a role where you can have an impact and do the best work of your career, you’ve just found it.

What we’re looking for

• Experience in the Cash Management & Payments product spectrum. The ideal candidate would be familiar with the products processes and transaction management

• You’ll need to be a self-starter, highly organised with strong problem-solving skills

• Strong stakeholder management skills, with the ability to work collaboratively with both internal and external partners

• An effective communicator with the ability to communicate sophisticated topics and influence across peer groups or seniors respectively

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

• 28 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.