Treasury Product Analyst - Payments

Company Overview

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We drive Responsible Growth and deliver for our clients, teammates, communities, and shareholders every day.

Being a Great Place to Work and fostering a culture of caring is core to our approach. We are intentional about building an inclusive workplace where every teammate has the opportunity to succeed, build a career, and contribute to our shared success. This involves attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive, and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths—including military service, community college education, or diverse work and life experiences—as these journeys foster resilience, leadership, and innovation, ultimately strengthening our workforce and positively impacting the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Summary

US Payments turns technology shifts into scalable, controlled treasury solutions for clients across segments and industries. This role sits within the Global Digital Disbursements (GDD) Product team, supporting payments across Zelle, PayPal, Venmo, and other digital payment products. We are looking for a highly self-motivated analyst who thrives on building and growing new products, establishing durable routines, performing detailed analysis, and is energized by operating in a regulated, high-growth payments environment.

Responsibilities

Product and Market Analysis

• Own competitive intelligence and market monitoring across digital payments, B2C payments, and adjacent payment ecosystems, leveraging internal and external data sources.
• Produce executive-ready insights, analyses, and visualizations that inform product decisions, competitive positioning, and growth opportunities.
• Build business cases, financial models, and quantitative analyses to support product strategy, roadmap prioritization, and investment decisions.
• Gather and synthesize Voice of Client and stakeholder feedback, connecting customer needs with product performance, operational metrics, and risk considerations.
• Develop recurring portfolio reporting and KPI frameworks that provide transparency into adoption, performance, financial results, and strategic initiatives.
• Support annual planning, executive presentations, management reporting, and ad hoc analyses with clear, data-driven recommendations.

Operational Planning and Analysis

• Support requirements and controls documentation by translating business needs, data findings, and risk considerations into clear problem statements, acceptance criteria, and operational readiness artifacts.
• Work day-to-day with Product, Operations, Technology, Digital Channels, Sales, and Risk partners to drive alignment, unblock dependencies, and ensure decisions are well-documented and audit-ready.
• Build and evolve performance dashboards and deep-dive analyses (adoption, client behavior, unit economics, operational KPIs), including anomaly/variance analysis and clear narratives on drivers.
• Develop, enhance, and run risk routines (metric definitions, data sourcing, controls, reporting, issue tracking) to monitor exposure, limits, exceptions, and emerging trends; escalate with clear, evidence-based recommendations.
• Maintain internal and client-facing materials that explain product performance, operating model, and risk controls in a clear and accurate way.
• Develop, enhance, and maintain both internal and client-facing marketing collateral.

Risk and Control Mindset: You naturally look for what could break, where controls are needed, and how to measure and monitor risk over time—especially in fast-moving, time-sensitive environments.

Required Skills

• Strong verbal and written communication skills.
• Ability to self-manage: define the problem, build a plan, and deliver high-quality outputs with minimal oversight.
• Ability to juggle multiple workstreams, prioritize, and communicate concerns early.
• Ability to multitask and prioritize work responsibilities.
• Attention to detail and rigorous focus on accuracy, reconciliation, and consistency across deliverables.
• Strong project hygiene: version control, documentation, and repeatable routines that scale.
• Advanced organizational skills.
• Advanced Excel and PowerPoint skills (data modeling).
• Ability to coordinate across functions and regions and drive work to closure through partners.
• Comfort operating in a fast-paced environment where priorities often shift and time-sensitive initiatives are brought in—without sacrificing rigor, controls, or quality.
• Intellectual curiosity.
• Bachelor's degree required.

Desired Qualifications

• Some experience with treasury payments products.
• Experience working in a large, global financial institution.
• Some experience with analyzing and reporting business financials.
• Experience with BI tools (e.g., Tableau) and building repeatable reporting is a plus.
• Comfort using AI tools to accelerate research, summarization, and first-pass analysis—paired with strong judgment and validation.
• Experience developing and analyzing business performance and financials (KPIs, revenue/cost drivers, variance analysis, forecasting).
• Treasury and payments products experience (or strong interest in payment rails, settlement, fraud/operational risk) preferred.

Core Competencies

• Analytical Thinking
• Critical Thinking
• Product Design and Development
• Product Management
• Written Communications
• Oral Communications
• Presentation Skills
• Project Management
• Strategy Planning and Development
• Agile Practices
• Business Analytics
• Market Analysis
• Process Management
• Research Analysis

Logistics and Compensation

Shift: 1st shift (United States of America)

Hours Per Week: 40

Location: US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100)

Compensation: $95,000.00 - $105,000.00 annualized salary, with offers determined based on experience, education, and skill set. Discretionary incentive eligible.

This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.

Benefits: This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources, and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.