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CTC - Risk – Liquidity Oversight - Retail Analyst - New York, NY

Req #: 180018846
Location: New York, NY, US
Job Category: Accounting/Finance/Audit/Risk
Potential Referral Amount: US Dollar (USD)

 J.P. Morgan is a leader in financial services, offering innovative and intelligent solutions to clients in more than 100 countries with one of the most comprehensive global product platforms available. We have been helping our clients to do business and manage their wealth for more than 200 years and we keep their interests foremost in our minds at all times. This combination of product strength, intellectual capital and character sets us apart as an industry leader. J.P. Morgan is part of J.P. Morgan Chase & Co. (NYSE: JPM), a global financial services firm with assets of $2.0 trillion.


CTC Risk is an independent risk function managing firmwide Interest Rate and Liquidity Risk. CTC Risk also oversees the risk of the retained portfolio generated from the Chief Investment Office (CIO), Treasury and Corporate (CTC) businesses, and is responsible for the end to end risk framework within the Treasury & CIO (includes Market, Credit & Operational Risk, as well as Retirement plans & BOLI COLI risk). In addition, CTC Risk partners with firmwide Principal, Model Governance & Review, Country and Reputation Risk for oversight of the corresponding risks within CTC. CTC Chief Risk Officer (CRO) reports directly to the firmwide CRO and is also the CRO for the unconsolidated HoldCo JPMorgan Chase & Co.


Liquidity Risk Oversight is an independent risk management function having responsibility for

firmwide oversight with the Global Head of LRO reporting to the CTC CRO. Responsibilities include, but not Limit to Establishing and monitoring limits, indicators, and thresholds, including liquidity appetite tolerances; Defining, monitoring, and reporting internal firmwide and legal entity stress tests, and monitoring and reporting regulatory defined stress testing; Monitoring and reporting liquidity positions, balance sheet variances and funding activities; Conducting ad hoc analysis to identify potential emerging liquidity risks  LRO participates in critical projects, including regulatory submissions such as Recovery & Resolution, CLAR (Comprehensive Liquidity Analysis & Review), ILAAP (Internal Liquidity Adequacy Assessment Process), among others.





The Liquidity Risk Oversight group partners with other internal risk groups, Corporate Treasury, LOB Treasury groups and senior management to inform funding strategies and liquidity management through normal and stress market environments. LRO is also a primary resource for external regulators for discussions and analysis of liquidity risk.


CTC Risk seeks to hire an Analyst to join its independent Liquidity Risk Oversight (LRO) function focusing on the Retail banking businesses. The role provides a unique opportunity to understand and work with firmwide risk measures as well as in-depth product analysis across the Retail banking sector encompassing report and metric development to capture line of business risks, product level stress assumption analysis and design, policy and framework design, scenario analysis and regulatory liquidity risk measure (e.g. LCR / NSFR) analysis.


The nature of the position also offers significant opportunities to create a broad personal network across J.P. Morgan and visibility to senior management.



Specific responsibilities:

  •  Analyze and prepare daily commentary for risk reports including stress / LCR changes, balance sheet changes and indicator breaches
  •  Participate in the periodic review of assumptions and indicator levels
  •  Support the development of key risk analytic reports for senior management, business partners, various risk committees and regulators
  •  Play a role in the development and build-out of the liquidity risk management process and infrastructure
  •  Support the development and evaluation of proposals for new liquidity risk monitoring, metrics and stress tests
  •  Support ad hoc liquidity risk analysis requests from senior management and regulators
  •   Interact and partner with LOBs and other corporate functions in order to understand, analyze and develop proposals regarding potential liquidity risk implications at a granular and holistic level


  •  Strong analytical and critical thinking skills, as well as a high level of self-initiative required, including an ability to balance and execute multiple projects at once and deliver results under tight time constraints with high attention to detail
  •  Familiarity with fundamental finance and risk concepts.  Knowledge of retail deposits, loans/commitments preferred
  • Ability to work effectively  independently and in multi-disciplinary teams
  • Excellent oral and written communication skills
  • Proficient in data analysis and handling including use of Excel

Education: An undergraduate degree is required, science / mathematics / finance majors preferred.

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