Associate, Structuring- Cash Management & Payments, TBS

Lloyds Bank plc; Greater London; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Pension up to 15%

Annual bonus

Share schemes

Discounted shopping

28 days holiday

Job summary

Lloyds Banking Group in London is seeking an Associate to join the Cash Management & Payments Structuring team within Transaction Banking Solutions. You will help design and execute liquidity, payments and treasury solutions, collaborating with Sales, Product and Technology to deliver end-to-end client outcomes.

The role is hybrid with a financial services focus, offering exposure to innovative cash management models and digital assets strategy within CM&P.

Qualifications

• Experience in Cash Management & Payments product spectrum.
• Strong stakeholder management and communication skills.
• Ability to design and solution complex treasury structures.

Responsibilities

• Assist senior colleagues in designing complex cash management, liquidity and treasury solutions.
• Support end-to-end execution of Transaction Banking mandates from inception to delivery.
• Produce solution papers and client materials; support Sales presentations.

Skills

Cash Management

Payments

Stakeholder Management

Problem Solving

Communication

Job description

## Associate, Structuring- Cash Management & Payments, TBSApply: London: Full time: Posted Today: End Date: September 30, 2026 (14 days left to apply): 163522**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**.**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 an Associate to join the Cash Management and Payments (CM&P) Structuring team apart of Transactional Structuring team within Transaction 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 policiesReady for a career where you’ll learn and thrive? Apply today and find out more!**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.**