Senior Financial Analyst
Job Location:
Atlanta, GA - USA
Yearly Salary:
Posted:
Application Deadline:
Vacancies:
Job Summary
At U.S. Bank were on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions enabling the communities we support to grow and succeed in the right ways all more confidently and more oftenthats what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life and each person is unique in their potential. A career with U.S. Bank gives you a wide ever-growing range of opportunities to discover what makes you thrive. Try new things learn new skills and discover what you excel atall from Day One.
As a wholly owned subsidiary of U.S. Bank Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goalsno matter what they need. From transaction processing to customer service to driving innovation and launching new products were building a range of tailored payment solutions powered by the latest technology. As part of our team you can explore what motivates and energizes your career goals: partnering with our customers our communities and each other.
The Senior Financial Analyst Revenue and Volume Forecasting Analytics & Market Intelligence is responsible for developing and maintaining the enterprise forecast for merchant acquiring payment volume and related revenue drivers including DIA pricing attrition same-store sales new business and strategic initiatives. The role combines financial forecasting market intelligence merchant acquiring analytics and executive storytelling to provide leadership with a trusted forward-looking view of business performance.
This position serves as a key analytical partner across Finance Revenue Product Pricing Business Intelligence Strategy and Executive Leadership. The role translates internal performance trends and external market indicators into actionable insights supports short-term and long-range planning identifies emerging risks and opportunities and helps shape strategic business decisions.
Key Responsibilities
Revenue Volume Forecasting & Planning
- Own monthly quarterly annual and long-range forecasts for merchant payment volume and volume-based revenue streams across business segments geographies and channels.
- Develop and maintain forecasting models for payment volume DIA pricing attrition same-store sales new business and strategic initiatives.
- Establish forecast assumptions supporting annual planning multi-year strategic plans and executive reviews.
- Perform scenario modeling sensitivity analysis and risk assessments to quantify potential impacts to forecasted performance.
- Evaluate forecast assumptions challenge business inputs and identify key risks and opportunities impacting financial performance.
Market Intelligence & External Benchmarking
- Monitor and evaluate external indicators including Personal Consumption Expenditures retail sales consumer spending trends GDP and economic forecasts card brand data public acquirer and processor earnings and industry analyst reports.
- Translate macroeconomic market and competitive data into meaningful business implications and forecast adjustments.
- Maintain a consolidated view of industry trends competitive performance and emerging opportunities.
- Quantify the relationship between consumer spending trends and company volume performance.
Merchant Acquiring & Payments Ecosystem Analytics
- Analyze the drivers of transaction and revenue growth including same-store sales new business attrition merchant mix industry vertical performance geographic trends product adoption and eCommerce or omnichannel growth.
- Monitor card network rule changes interchange updates assessment changes twice-annual network releases and broader industry developments.
- Evaluate how changes in card mix credit versus debit penetration consumer versus commercial cards digital wallet adoption and card-present versus card-not-present activity impact volume forecasts and revenue expectations.
- Identify leading indicators of future volume growth merchant health margin pressure and portfolio performance.
Financial Analysis Business Insights & Executive Storytelling
- Perform detailed variance analysis against Plan Forecast Prior Year and prior forecast submissions.
- Develop clear narratives explaining customer growth attrition pricing performance market trends revenue performance and forecast outlook.
- Produce executive-ready reporting and presentations for Month-End Close Forecast Reviews CFO Reviews Strategic Planning Sessions Executive Leadership meetings Business Reviews and Board or investor discussions.
- Communicate complex financial economic and payment industry trends in a clear concise and leadership-ready manner.
- Present findings risks opportunities and recommendations to finance and business leadership.
Reporting Automation Data Governance & Process Improvement
- Identify opportunities to automate reporting forecasting and analytical processes.
- Develop scalable reporting solutions and improve forecasting efficiency.
- Partner with Business Intelligence teams to improve data quality accessibility governance and semantic model adoption.
- Validate data integrity across reporting platforms and source systems investigate discrepancies and maintain documentation controls and forecasting standards.
- Continuously improve forecast accuracy through enhanced analytics monitoring capabilities and standardized methodologies.
Cross-Functional Partnership & Strategic Support
- Partner with Product Revenue Pricing Operations Finance Strategy and Business Intelligence teams to align growth assumptions and understand business drivers.
- Serve as a subject matter expert on payment volume trends merchant acquiring economics and industry outlook.
- Provide analytical support for strategic initiatives product investments acquisitions market expansion opportunities and long-term growth planning.
- Act as a trusted advisor by providing independent financial perspectives and translating complex performance dynamics into actionable recommendations
Basic Qualifications
- Bachelors degree or equivalent work experience
- Typically five or more years of related experience
Preferred Skills/Experience
- Advanced financial modeling forecasting and analytical skills.
- Strong knowledge of merchant acquiring payments card networks consumer spending trends and revenue drivers.
- Experience interpreting macroeconomic market and industry data and translating findings into business implications.
- Experience with executive-level reporting presentation development and senior leadership communication.
- Advanced Excel and data analysis skills with experience working with large data sets BI tools and financial systems.
- Experience within merchant acquiring card payments fintech banking or financial services.
- Knowledge of Visa Mastercard American Express Discover and payment network economics.
- Familiarity with economic forecasting methodologies market research and external industry benchmarking.
- Experience with Power BI Tableau semantic models and large-scale data analysis.
- Strong ability to simplify complex concepts and turn detailed analysis into executive-ready narratives.
Location Requirements
This role requires working onsite in a U.S. Bank location 3 or more days per week
If theres anything we can do to accommodate a disability during any portion of the application or hiring process please refer to ourdisability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members whole selves and what may be needed to thrive in and outside work. Thats why our benefits are designed to help you and your family boost your health protect your financial security and give you peace of mind. Our benefits include the following:
Healthcare (medical dental vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked up to 80 hours per calendar year unless otherwise provided by law
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race religion color sex national origin age sexual orientation gender identity disability or veteran status and other factors protected under applicable law.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about theE-Verify program.
The salary range reflects figures based on the primary location which is listed first. The actual range for the role may differ based on the location of the addition to salary U.S. Bank offers a comprehensive benefits package including incentive and recognition programs equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $98175.00 - $115500.00U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition certain positions may also be subject to the requirements of FINRA NMLS registration Reg Z Reg G OFAC the NFA the FCPA the Bank Secrecy Act the SAFE Act and/or federal guidelines applicable to an agreement such as those related to ethics safety or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
Required Experience:
Senior IC
About Company
Experience personalized banking services for your unique needs with U.S. Bank - Checking, credit cards, home loans & convenient online banking. Member FDIC.
