Manager Liquidity Analytics

Charles Schwab; Westlake (TX); Hybrid; USD 110,000 - 170,000; Full time

Benefits offered by this job

401(k) with company match

Paid time off

Parental leave and family benefits

Tuition reimbursement

Health, dental, and vision insurance

Job summary

Charles Schwab in Westlake, TX is seeking a Liquidity Analytics professional to size liquidity buffers and forecast cash flow. You will analyze liquidity impacts of transactions, build predictive models, and support funding strategies in a hybrid work setting.

You’ll monitor daily KRIs, liquidity limits, and compliance with LCR/NSFR, collaborating with cash management and technology teams. A strong analytics background and 5+ years in finance are required.

Qualifications

• Experience analyzing large data sets in a financial context.
• Advanced SQL to extract data from multiple systems and identify anomalies.
• Strong analytical, strategic planning, and leadership skills.
• Knowledge of regulatory rules (LCR, NSFR, Basel III) preferred.
• Bachelor’s degree required; 5+ years of related work experience.

Responsibilities

• Size liquidity buffer requirements and forecast BAU cash flow projections.
• Monitor customer activities and large transactions for liquidity impact; forecast sweeps and balances.
• Produce and assess daily KRIs and liquidity limits; recommend updates.
• Maintain backend scripts and update as business evolves.
• Collaborate with cash management to automate cash forecasting.
• Research customer activity and deposit behaviors for liquidity forecasting.
• Monitor LCR/NSFR and support ongoing compliance.
• Partner with Liquidity Projects and Technology teams on business requirements.
• Contribute to ad hoc liquidity analytics projects.

Skills

Advanced SQL

Data analysis

Analytical thinking

Excel

Education

Bachelor’s degree

Advanced degree a plus

Tools

Python

Job description

Your opportunity

At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.

The Liquidity and Funding Management group within Treasury handles liquidity and funding planning across the corporation and its subsidiaries, including our bank and broker-dealers. We monitor and ensure adherence to regulatory ratios including the Liquidity Coverage Ratio (LCR) and associated public disclosures, Net Stable Funding Ratio (NSFR), FR 2052a Liquidity Monitoring Report. We also monitor Liquidity Stress Testing (LST) to maintain robust contingent liquidity buffer and develop analytical tools to assist our business partners in analyzing the liquidity impacts of business decisions. This group is responsible for the design of company liquidity management policies, contingent funding planning, ensuring compliance at all times, and escalating issues to senior management as necessary. We work with internal and external partners on multiple ongoing examinations and audits of liquidity practices. This is an individual contributor role within the Liquidity Analytics group

What you have

• Experience with data analysis and data interpretation, including experience with very large data sets;
• Advanced SQL skill to extract information from various applications and systems and to identify and research anomalies
• Excellent analytical, strategic planning, complex problem resolution and leadership skills;
• Ability to translate complex business problems into discrete quantifiable components;
• Knowledge of regulatory rules (LCR, NSFR, Enhanced Prudential Standards, Basel III, Liquidity Stress Testing), is highly preferred;
• Bachelor’s degree required; advanced degree a plus;
• 5+ years of related work experience in a financial organization;
• General understanding of statistical methodologies and applications;
• Basic knowledge of finance and accounting, particularly in the bank and broker-dealer space;
• Advanced skills in Excel;
• Knowledge of Python or other program language (AI tool) is a plus;
• Excellent oral and written communication skills;
• Ability to construct and utilize complex financial models;
• Strong interpersonal and management skills with the demonstrated ability to build cross-functional relationships and to interact effectively with senior management;
• Strong project management skills and the ability to organize and manage multiple, changing priorities;

What you'll do:

• Assist in sizing liquidity buffer requirements and forecast BAU cash flow projections; identify liquidity gap to assist funding desk to form funding strategies;
• Monitor customer daily activities, investigate large transactions to identify liquidity impacts and provide sweep and key balances prediction to assist cash management and liquidity planning
• Produce, monitor, and assess daily Key Risk Indicators (KRI) and liquidity limit, recommend updates and changes as the business evolves and ensure liquidity risk is appropriately captured
• Maintain the backend scripts, recommend updates and changes as the business evolves and ensure liquidity risk is appropriately captured
• Partner with the cash management team, develop and automate cash forecasting capabilities
• Research customer activities, deposit behaviors and provide insightful analysis for liquidity forecasting
• Assist in monitoring the LCR/NSFR ratios and providing business analysis for ongoing compliance
• Partner with the Liquidity Projects and Technology teams to review business requirements
• Contribute to ad hoc analytical projects, primarily related to liquidity.

In addition to the salary range, this role is also eligible for bonus or incentive opportunities.

What’s in it for you

At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

• 401(k) with company match and Employee stock purchase plan
• Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions
• Paid parental leave and family building benefits
• Tuition reimbursement
• Health, dental, and vision insurance