Treasury Operations Analyst

Who you are

• Prior experience at a fintech, bank, or other regulated financial institution
• 2–5 years of experience in treasury operations, corporate treasury, FP&A, or a related finance/accounting function
• High attention to detail — this role involves approving real money movements and compliance-sensitive reporting
• Strong data modeling skills; comfort with large datasets
• Demonstrated experience thoughtfully transitioning manual processes to scalable automations to gain efficiencies
• Familiarity with SQL and/or willingness to learn (Snowflake, Omni experience a plus)
• Exposure to NetSuite or similar ERP/GL systems a plus
• Strong written communication; comfortable producing clean, concise reporting for senior stakeholders and external counterparties (third-party banks, lenders)
• Self-starter comfortable in an ambiguous, build-as-you-go environment
• Experience using AI tools to prototype automated processes
• Experience with partner bank / BaaS reserve account structures
• Prior use of Treasury Management Systems
• Familiarity with deposit sweep networks
• Experience supporting Federal Reserve account operations
• Project management skills — this role will involve owning trackers and multi-workstream initiatives

What the job involves

• We're looking for a hands-on Treasury Operations Analyst to own the day-to-day execution of Mercury's cash management and reporting processes
• This is an execution- and build-focused role: you'll manage cash movements and approvals, maintain Treasury's core reporting cadence, and — critically — design and build the automated tools and workflows that let Treasury operate without relying on manual spreadsheet work or costly third-party platforms
• We're especially interested in candidates who are fluent with modern AI and prioritize process and reporting automations
• If you've automated processes to gain scale and efficiency we want to hear about it
• Execute and approve daily cash movements across Mercury's accounts, ensuring accuracy, proper authorization, and timely settlement
• Maintain daily cash positioning and reporting, tracking balances across operating, reserve, and partner bank accounts
• Manage reserve account funding across Mercury's partner bank relationships, ensuring balances comply with contractual requirements and reconciling reserve calculations against underlying agreements
• Support cash forecasting by maintaining and refreshing short-term cash flow models
• Own bank account access and rights administration
• Design, build, and maintain automated cash and liquidity reporting — reducing reliance on manual spreadsheet processes and off-the-shelf treasury management tooling
• Build scalable tools for cash positioning, reserve tracking, and reporting workflows
• Build and maintain dashboards and recurring reporting packages (e.g., ALCO materials, deposit summaries, liquidity metrics)
• Own data pulls and validation from internal systems (e.g., NetSuite, Snowflake) to support reporting accuracy
• Continuously look for manual, error-prone, or repetitive Treasury processes and propose/build automated replacements
• Partner with Accounting to ensure cash activity, reserve movements, and facility transactions are properly reflected in the GL
• Work with Data/Analytics teams to acquire cash data feeds from third-party banks to support Treasury and broader Finance reporting
• Support ALCO and management reporting with accurate, well-formatted, timely inputs
• Assist with ad hoc requests from the Treasurer and broader Finance team

Benefits

• Health, dental, & vision
• 12+ weeks of paid parental leave
• $600 USD custom WFH equipment setup
• Unlimited vacation policy (with a mandatory minimum)
• Annual $1K learning & development budget
• Paid 6-week sabbatical after the 5-year mark
• Weekly $100 food budget
• Monthly $100 wellness budget
• Monthly $50 cellphone reimbursement
• Pet-friendly offices with free tea and beverages, plus lunch and snacks
• Unlimited vacation policy (with a mandatory minimum)
• Retirement matching up to 4% of base salary (401K/RRSP)
• Inclusive fertility, hormonal health, and family-forming benefits through Carrot Fertility