Senior Data Analyst, Deposits & Treasury Management

Live Oak Banking•Wilmington, NC

13h

About The Position

Live Oak Bank is a digital bank that serves small business owners across the country. Our groundbreaking spin on service and technology has fueled our mission to be America’s Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money. At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream. How This Role Impacts Live Oak and Its People The Senior Data Analyst, Deposits & Treasury Management is a critical analytics partner to the Deposits and Treasury Management organization as it scales. This role sits at the intersection of data strategy, forecasting, and automation — proactively identifying where current reporting and data processes fall short, and building the datasets, models, and tools the organization needs to keep pace with growth. This person will build forecasts grounded in current market and rate conditions, translate complex data into clear stories for executive and board audiences, and modernize the spreadsheet-driven processes that support deposit pricing, funding strategy, and portfolio performance — using tools such as Databricks and Claude to automate what is manual today. The role also extends analytical support to partner functions including Marketing, Embedded Banking, and Merchant Services. This role requires a strong analytics background, financial acumen, and the judgment to know where the organization's data and reporting needs are heading before a gap becomes a problem.

Requirements

Bachelor's degree
5+ years of experience in financial services, with a focus on deposits, treasury, analytics, finance, or portfolio management
Experience building forecasts, financial models, and market or competitive analysis under changing rate/market conditions
Advanced proficiency in Microsoft Excel, including XLOOKUP, pivot tables, conditional formatting, and data analysis tools
Strong proficiency in SQL, including writing complex queries and working with large, multi-table datasets
Familiarity with BI tools and dashboard development (Databricks, Tableau, Power BI) to visualize data and communicate insights
Demonstrated ability to identify process and data gaps proactively, and to design and implement automated solutions to close them
Comfort using AI tools (e.g., Claude) to automate spreadsheet-based analysis and recurring reporting workflows
Strong ability to synthesize complex and disparate data into clear reports and insights that support executive decision-making
Excellent presentation skills, with the ability to explain complex data scenarios clearly to both technical and non-technical audiences
Demonstrated ability to partner effectively across functions and levels of the organization
Strong track record of meeting hard deadlines and managing competing priorities

Nice To Haves

Advanced degree
Deposit or treasury portfolio management experience, including exposure to funds transfer pricing and ALCO processes
Proficiency in Python for data analysis, modeling, or workflow automation
Experience supporting cross-functional partners such as Marketing, Embedded Banking, or Merchant Services with data and reporting

Responsibilities

Proactively identify data needs, gaps, and inefficiencies in current reporting and data processes as the Deposits and Treasury Management organization grows
Partner with enterprise data teams to build and maintain high-quality datasets and ensure a single source of truth for deposits and treasury reporting
Determine the data necessary to manage the deposits and treasury business, and continue to enhance data and reporting infrastructure ahead of business need
Recommend updates to policies, procedures, and controls to reduce operational and data risk as processes scale
Support the Head of Deposits and Chief Banking Officer by providing the data and analysis needed to develop, monitor, and track the department's budget
Build forecasts and dynamic financial models informed by current market conditions, rate environment, and competitive dynamics
Conduct competitive analysis of market conditions and deposit pricing to identify new business opportunities and inform strategy
Support funds transfer pricing, liquidity / balance sheet management, and customer relationship pricing in partnership with Treasury and Finance
Prepare deposit pricing analysis, forecasts, and recommendations for management, including materials for the Bank's ALCO discussions
Monitor the deposit portfolio for deviations from projected strategy and volume, and recommend remediation
Develop predictive models of deposit production and growth using historical trends and current market conditions, and present findings and recommendations to leadership to guide proactive growth strategy
Take existing spreadsheet-based forecasts, models, and recurring reports and rebuild them as automated, scalable workflows in Databricks
Use Claude and related AI tools to automate manual analysis, reporting, and forecasting processes currently run in Excel
Build and manage dashboards using BI tools (Databricks, Power BI, Tableau) and advanced Excel to visualize data and track KPIs
Use SQL and Python to support data extraction, analysis, and automation across large, multi-table datasets
Modernize legacy, manual workflows using low-code platforms and automation frameworks
Own and maintain the KPI framework for the Deposits and Treasury Management organization
Develop executive- and board-ready dashboards, insights, and data narratives that clearly explain complex data scenarios, performance, and risk
Build and support the data and reporting needs of partner functions, including Marketing, Embedded Banking, and Merchant Services
Track deposits portfolio costs across marketing, deposit expense, technology, and personnel as well as assist with building out revenue reporting for treasury management, merchant services and embedded banking
Lead monthly and quarterly reporting cadence, delivering clear, executive-level insights on performance, risk, and trends
Conduct ad hoc analyses to investigate business questions and explain metric movement
Collaborate with the Treasury team to identify cost-effective sources of funding and support liquidity models
Maintain a high standard of regulatory awareness, including BSA, AML, CIP, and OFAC