Associate, Liquidity Management

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34841

Treasury

Regular Employee

Office - Full Time

23 Jul 2025

Responsible for managing liquidity of the bank (Local Currency/Foreign Currency/ Conventional/Islamic) and interest rate risk profile of the balance sheet.

• Liaise with other business units to obtain the best possible view of asset pipelines and forecast liability generation

• Access the money markets as required; either with other banks directly or through interdealer broker; raising and placing liquidity to ensure liquidity limits are adhered to whilst maximising economic value to the Bank

• Being proactive in raising liquidity when it is cheap, deploying it when it is expensive

• Proactively establish and maintain good relationships with direct wholesale customers, including central banks

• Swap funding between currencies to meet liquidity requirements and to minimise funding costs

• Participate in local central bank operations and facilities, as required

• Preposition eligible securities at the local central bank to be used as backstop liquidity (where available)

• Decide on the requirement to purchase securities to meet the statutory, stress, payments or prudent requirements

• Request for temporary limits to risk, where appropriate

• Submit annual limit application to risk.

• Maintain desired ratios as directed by the Global Head of Liquidity Treasury Markets

• Ensure this curve encourages an overall balance of liquidity yet does not unduly disadvantage any business unit

• Manage the relationship with the local key stakeholders.

• Develop and maintain strong relationships with of the sources of standby and emergency liquidity, including central banks

• Actively monitor for and immediately alert senior management on any evidence that the bank could be about to encounter funding stress

• Help Head of Treasury Markets with proactive management of the interest rate risk of this portfolio in line with this view to maximize group returns, through mis-matching and re-balancing of interest rate positions along the yield curve, whilst bringing overall risk to the appropriate levels.

• Switch between currencies to capture interest rate and swap arbitrages, without compromising the Bank's liquidity position

• Make use of on-balance sheet and off-balance sheet products (e.g. IRS) as hedging tools.

• Primarily use the banking book and hedge effective products, to minimize swings to PnL and maximise group returns.

• Deep research and understanding of the economic, political and market drivers of the yield curve to form an expert view of its future evolution

• Request temporary limits from Risk where appropriate

• Flag any potential limit breaches to Risk in advance

• Avoid positioning that could cause excessive stress on the bank's liquidity or Credit Risk position

• Submit annual limit recommendations to Risk, working with Head of Treasury Markets

• Act as a Rates Submitter as appropriate, in line with the defined Rates Setting Principles and as authorised and detailed in the respective Dealer Mandate.

• Maintain strategic capability to meet stressed liquidity conditions when required

• Support and develop the payment systems and ensure the Bank's liquidity supports the capability of meeting customer payment needs

• Liaise with support services and the back office on behalf of the team, to maintain the provision of high-quality services to traders

• Provide funding support and competitive rates to trading and sales teams

• Provide Liquidity support to Group branches

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thingand are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle,continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together,we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter,we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance,with flexible and voluntary benefits available in some locations.
• Time-offincluding annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible workingoptions based around home and office locations, with flexible working patterns.
• Proactive wellbeing supportthrough Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills,global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning cultureto support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation,one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

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