U.S. Bank · 8 hours ago
Director of Balance Sheet & Capital Management
New York, NY
Full-time
Onsite
Senior Level, Lead/Staff
$132K/yr - $156K/yr
10+ years expU.S. Bank is committed to helping customers and businesses make informed financial decisions. The Director of Balance Sheet & Capital Management will optimize balance sheet usage and regulatory capital efficiency while providing leadership on capital allocation and leverage optimization across various business units.
BankingFinancial ServicesInsuranceMortgageWealth Management
Responsibilities
Lead balance sheet strategy for the broker-dealer, including asset/liability optimization, leverage utilization, and funding efficiency
Partner with trading desks, financing businesses, and sales leadership to evaluate balance sheet consumption and return on capital
Develop frameworks to measure and optimize RWA, leverage exposure, and capital usage across products and clients
Support strategic initiatives such as balance sheet re-allocation, client pricing adjustments, and product design to improve capital efficiency
Oversee capital planning activities for the broker-dealer, including stress testing, capital forecasting, and regulatory submissions
Act as a subject-matter expert on regulatory capital rules (e.g., Basel III, SLR, net capital, liquidity requirements)
Partner with Market Risk, Credit Risk, and Treasury to assess capital impacts of new products, client structures, and market events
Support internal governance forums, capital committees, and senior management discussions related to balance sheet and capital decisions
Serve as a trusted advisor to front-office leaders, providing transparency into capital costs, balance sheet constraints, and trade economics
Translate regulatory and financial metrics into actionable insights for trading and sales teams
Support deal structuring, client onboarding, and financing transactions with a focus on capital efficiency and profitability
Develop and maintain reporting on balance sheet usage, capital consumption, ROE, and liquidity metrics at a desk, product, and client level
Identify trends, constraints, and opportunities through data-driven analysis
Drive enhancements to management reporting and analytics platforms related to balance sheet and capital
Lead and mentor a team of balance sheet and capital professionals
Establish strong cross-functional partnerships across Finance, Risk, Treasury, Operations, and Technology
Support regulatory exams, internal audits, and model reviews related to capital and balance sheet management
Qualification
Required
Bachelor's degree in Finance, Economics, Accounting, or a related field (MBA or CFA preferred)
10+ years of experience in capital markets finance, balance sheet management, treasury, or risk, preferably within a broker-dealer environment
Strong understanding of regulatory capital frameworks, leverage metrics, and liquidity concepts
Proven experience partnering with front office trading and sales teams
Strong analytical skills with the ability to synthesize complex information into executive-level insights
Excellent communication skills with the ability to influence senior stakeholders
Preferred
Direct experience supporting a U.S. broker-dealer
Hands-on exposure to repo, securities financing, derivatives, or prime brokerage
Experience with capital optimization initiatives or balance sheet re-engineering
Familiarity with regulatory reporting (e.g., net capital, liquidity reporting, stress testing)
Benefits
Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Company
U.S. Bank
At U.S.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
$991MKey Investors
U.S. Department of the TreasuryMitsubishi UFJ Financial Group
2023-09-29Post Ipo Debt· $55M
2023-08-03Post Ipo Debt· $936M
1978-01-13IPO
Leadership Team
John C Stern
CFO
Shruti Patel
Executive Vice President & GM, CPO- Business Banking segment
Recent News
2026-01-22
2026-01-20
2026-01-20
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