Sr Manager – Intraday Liquidity

Charles Schwab; San Francisco (CA); Hybrid; USD 180,000 - 240,000; Full time

Benefits offered by this job

401(k) with company match

Health, dental, and vision insurance

Hybrid work arrangement

Job summary

Charles Schwab in San Francisco is seeking a senior Liquidity Risk leader to drive the Treasury’s liquidity strategy and workstreams across emerging products, including digital assets. This role is an individual contributor within the Intraday, Funding, & Collateral Strategy group, focused on robust liquidity management.

Requires a Bachelor's degree (MBA preferred), CFA/CPA/FRM preferred, and 6+ years in finance with 3+ years in liquidity risk for a large institution.

Qualifications

• Bachelor's degree required; MBA preferred.
• CFA, CPA or FRM professional designation preferred.
• 6+ years in finance with 3+ years of experience managing Liquidity Risk for a Category IV or larger financial institution.
• Deep knowledge of broker / dealer liquidity requirements (Series 27 preferred).
• Deep knowledge of bank liquidity requirements.
• Experience with secured financing and collateral upgrade transactions.
• Experience assessing liquidity risks with digital assets, blockchain, or tokenization preferred.
• Experience with financial systems and financial data.
• Excellent analytical, strategic planning, and problem-resolution skills.
• Excellent oral and written communication skills.

Responsibilities

• Develop liquidity strategies and analytical frameworks for emerging products, including digital assets and tokenized securities.
• Assess intraday liquidity, funding, and collateral implications of new activities (24/7 trading).
• Develop methodologies to quantify liquidity requirements and evaluate collateral eligibility for digital assets.
• Own Treasury workstreams and deliverables for digital asset initiatives from ideation through implementation.
• Design monitoring metrics and reports on intraday liquidity.
• Monitor customer trading activities to identify intraday liquidity risks.
• Stay updated on macro-economic trends, regulatory guidelines, and market structure.
• Prepare ALCO, senior management, and Board materials.

Skills

Liquidity risk

Financial systems

Analytical thinking

Strategic planning

Communication

Regulatory knowledge

Education

Bachelor's degree

MBA

CFA/CPA/FRM

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 develop tools to assist our business partners in analyzing the liquidity impacts of business decisions. We work with our second line partners to assist in the development of robust contingency liquidity analyses and plans to help identify emerging risks. This group is responsible for the design of company liquidity management policies, 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 Intraday, Funding, & Collateral Strategy group, and will lead Treasury’s liquidity strategy and workstreams supporting digital assets and other emerging products.

What you have

• Bachelor’s degree required; MBA preferred
• CFA, CPA or FRM professional designation preferred
• 6+ Years in finance with 3+ years of experience managing Liquidity Risk for a Category IV or larger financial institution
• Deep knowledge of broker / dealer liquidity requirements (series 27 preferred)
• Deep knowledge of bank liquidity requirements
• Experienced with secured financing and collateral upgrade transactions
• Experience assessing liquidity risks associated with digital assets, blockchain, tokenization, or other emerging financial products preferred
• Experienced with financial systems and financial data
• Excellent analytical, strategic planning, problem resolution skills
• Ability to translate sophisticated business problems into discrete quantifiable components
• Excellent oral and written communication skills

What You'll Do

• Develop liquidity strategies and analytical frameworks to support emerging products, including long/short strategies, securities financing transactions, digital assets, and tokenized securities
• Assess the intraday liquidity, funding, and collateral implications of new business activities, including 24/7 trading and evolving settlement models
• Develop methodologies to quantify liquidity requirements and evaluate collateral eligibility, segregation, and operational readiness for digital assets and tokenized securities.
• Own Treasury workstreams and deliverables for digital asset and emerging product initiatives, and drive end-to-end delivery from ideation through implementation
• Design and implement monitoring metrics and reports on intraday liquidity
• Monitor customer trading activities and proactively identify emerging intraday liquidity risks
• Remain abreast of the macro-economic environment, regulatory guidelines and market structure developments
• Prepare and review ALCO, senior management, and Board committee materials

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 of being together in person on regular basis.

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