Treasury Analyst, Cash Management

Treasury group at American Express enables profitable business growth through management of the company’s balance sheet including liquidity, capital distribution, and global money movement strategies. Treasury also plays a key role in identifying, measuring and addressing financial and operational risks. We ensure that the right amount of capital, funding, and liquidity is in the right currency, in the right place, at the right time, with the right controls.

Reporting to the Manager, Cash Management, the Treasury Analyst, Cash Management supports the safe, accurate and timely execution of cash management activities for assigned entities and currencies. The role prepares daily liquidity positions, processes treasury transactions, performs reconciliations, maintains control evidence and contributes to reliable cash forecasting and reporting. The analyst partners across Treasury, Finance, Risk and other key stakeholders including banking providers to help ensure cash is available where and when needed while meeting internal policy, governance and regulatory expectations

Key Accountabilities

Daily cash and liquidity management

• Prepare daily cash positions, compile near-term inflows and outflows, and highlight expected funding or investment requirements for review.
• Support global Sale of Receivables (“SOR”) and Intercompany Funding Programs and related FX hedging activities.
• Initiate and process approved cash movements, intercompany funding, investments, and other treasury transactions in accordance with procedures and authority limits.
• Monitor bank balances, payment activity, settlement status; investigate exceptions and escalate actual or emerging shortfalls promptly.
• Track cut-off times and complete handoffs across regions to support accurate, on-time execution and business continuity.
• Prepare clear daily and periodic cash reporting, including analysis of material forecast-to-actual variances.

Controls, governance and risk

• Execute assigned cash management controls, including reconciliations, maker-checker activities, approvals support, access reviews and evidence retention.
• Maintain procedures, process maps, control evidence and contingency documentation so materials reflect the current operating model.
• Identify operational, liquidity, settlement and data risks; document exceptions, support remediation and escalate issues transparently.
• Support risk and control assessments, internal and external audits, regulatory reviews and management testing by providing complete, timely evidence.
• Perform activities in accordance with applicable Treasury policies, legal-entity requirements, banking mandates and local regulations.

Banking, systems and data

• Coordinate with banking partners and internal stakeholders on account services, transaction inquiries, documentation and issue resolution.
• Collaborate with the Global Treasury Centre of Excellence to support bank account governance, including openings, changes, closures, signatory documentation and periodic account reviews.
• Use the treasury management system and SOR related applications, bank portals and reporting tools effectively while following access and segregation-of-duties requirements.
• Analyze data quality and process issues, and contribute to standardization, automation and well-controlled technology change.
• Compile service performance and fee information, investigate variances and identify opportunities to improve efficiency.

Leadership and partnership

• Take ownership of assigned deliverables, demonstrate strong control discipline and contribute to team knowledge sharing and continuous improvement.
• Work effectively with key internal stakeholders including Treasury, Accounting, Tax, Risk, Compliance, Technology and business teams.
• Prepare concise analysis, presentation materials and supporting information for Treasury leadership and governance forums.
• Support projects and change initiatives affecting cash management, including migrations, new products, banking changes and resilience improvements.
• Build subject-matter expertise and provide reliable coverage for assigned cash management activities.

• Bachelor’s degree in finance, accounting, economics, business or related discipline.
• Demonstrated ability to manage detailed, time-sensitive work and collaborate across functional teams.
• Working knowledge of spreadsheets and financial analysis; exposure to treasury management systems or online banking platforms is preferred, demonstrated proficiency in MS Office applications.
• Able to thrive in a fast-paced, time-bound, operational environment.

Capabilities

Risk mindset	Follows procedures carefully, protects the control environment and escalates concerns early.
Analytical thinking	Analyzes cash movements, forecasts and business drivers to produce useful insights.
Execution excellence	Manages recurring deadlines and competing priorities without sacrificing accuracy or control.
Teamwork	Collaborates openly, shares knowledge and takes ownership of assigned outcomes.
Communication	Communicates Treasury information clearly to operational partners and management.
Change orientation	Contributes ideas for simplification, automation and thoughtful adoption of technology.
Partnership	Builds productive relationships across functions, regions and external providers.
Resilience	Stays composed and responsive during incidents and time-critical execution.

Role scope and working expectations

• Participates in scheduled coverage for market, payment and banking cut-offs; occasional work outside standard hours may be required for critical events.
• Handles confidential financial, banking and access information in accordance with company policy.
• Operates within documented authority limits and maintains effective segregation of duties.
• 7am local start time required.

Where work permit, visa or other immigration authorization is required, American Express may, at its sole discretion and subject to applicable law, decide whether to apply for or sponsor it. In deciding, American Express may consider business needs, the nature of the position and the cost involved.

The below represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.​

KYD 60K – 100K