Financial Analyst

Remote (United States)

Job Details

Employment Type: Full-Time

Annual Salary Range: $120,000-$145,000 per year

About the Role

This opportunity is for a Financial Analyst who will own and lead bank-specific regulatory reporting as banking operations continue to develop. The role offers significant responsibility within a dynamic, fast-paced environment and provides opportunities for continued growth and increased ownership.

The Financial Analyst will serve as the subject matter expert and primary owner of bank regulatory filings, including FFIEC Call Reports. This individual will partner with Finance, Legal, Compliance, Engineering, and executive leadership to support accurate, timely, and compliant regulatory submissions.

The position will also be responsible for building the regulatory reporting function from the ground up, including the processes, controls, documentation, and infrastructure needed to support scalable banking operations.

What You’ll Do

• Own the end-to-end preparation and filing of bank regulatory reports, including FFIEC Call Reports 031, 041, and 051, as well as other required filings with the OCC, FDIC, and other applicable regulators.
• Build and maintain the regulatory reporting framework, including reporting calendars, data-sourcing workflows, reconciliation procedures, and internal controls designed to support accuracy and completeness.
• Interpret and apply reporting instructions issued by the FFIEC, OCC, FDIC, and Federal Reserve.
• Ensure the proper classification and reporting of buy now, pay later assets, liabilities, income, and capital within applicable regulatory frameworks.
• Monitor changes to regulatory reporting requirements and implement new or revised schedules, reporting thresholds, interpretive guidance, and related requirements.
• Collaborate with Accounting, Financial Planning and Analysis, Treasury, Legal, Compliance, and Engineering teams to source data, resolve reporting questions, and maintain consistency between regulatory filings and U.S. GAAP financial statements.
• Support regulatory examinations and audits by preparing documentation, responding to examiner inquiries involving Call Report data, and remediating findings when needed.
• Partner with external auditors and consultants on regulatory reporting matters, including agreed-upon procedures and attestation engagements.
• Develop and maintain documentation covering regulatory reporting policies, procedures, and methodologies to support SOX compliance and institutional knowledge.
• Use technology and automation to improve the accuracy, efficiency, and scalability of regulatory reporting processes.
• Champion the use of artificial intelligence and modern tools to streamline data aggregation, validation, and submission workflows.
• Provide regulatory reporting expertise to leadership regarding the financial reporting implications of new products, strategic initiatives, and changes to banking operations.

Qualifications

• Bachelor’s degree in Accounting, Finance, or a related field.
• At least five years of experience in bank regulatory reporting.
• Direct, hands-on experience preparing and filing FFIEC Call Reports.
• Deep working knowledge of FFIEC reporting instructions, schedules, and regulatory capital calculations.
• Strong understanding of U.S. GAAP and the ability to connect GAAP financial statements with regulatory reporting frameworks.
• Experience building or significantly improving regulatory reporting processes, controls, and infrastructure.
• Proficiency with regulatory reporting software or platforms.
• Advanced Microsoft Excel skills.
• Exceptional attention to detail and a demonstrated record of producing accurate, examination-ready regulatory filings.
• Strong communication skills and the ability to translate complex regulatory reporting requirements into clear guidance for cross-functional partners.
• Demonstrated experience using Claude or equivalent large language model tools.
• Comfort using artificial intelligence to improve productivity, research, and communication.
• CPA, CFA, or another relevant professional certification preferred.
• Experience with data visualization or automation tools is a plus.

Preferred Qualifications

• Experience working with an OCC-supervised national bank or with de novo bank reporting requirements.
• Prior experience at a national bank, de novo banking institution, or OCC-regulated organization.
• Experience supporting regulatory reporting during a bank charter application or the early stages of bank operations.
• Familiarity with consumer lending and buy now, pay later reporting considerations within the Call Report framework.
• Experience with SOX 404 compliance as it relates to regulatory reporting controls.
• Background working in financial technology, payments, or a high-growth technology environment.
• Experience implementing or administering regulatory reporting systems such as Axiom, Wolters Kluwer, or a similar platform.

Professional Attributes

• Maintain exceptionally high standards and continually raise the level of quality and performance.
• Ensure that defects and reporting issues are addressed before they move further through the process.
• Focus on resolving problems permanently rather than applying temporary fixes.
• Develop new and unconventional approaches when established methods are not sufficient.
• Act with appropriate speed and recognize when decisions are reversible and do not require extended analysis.
• Take calculated risks when supported by sound judgment.
• Build trust by listening carefully, communicating candidly, and treating others respectfully.
• Respectfully challenge decisions when appropriate, even when doing so may be difficult.
• Demonstrate conviction and persistence without compromising solely for social agreement.
• Commit fully once a final decision has been made.
• Focus on the most important inputs and deliver high-quality work within required timelines.
• Remain resilient through setbacks and maintain a strong commitment to results.

Benefits

• Unlimited paid time off.
• Paid volunteer hours.
• Sabbatical opportunities.
• Life insurance.
• Short-term disability insurance.
• Long-term disability insurance.
• Medical insurance.
• Dental insurance.
• Vision insurance.
• 401(k) retirement plan with a 6% match.
• Highly discounted Life Time gym membership.
• Collaborative working environment.
• Opportunity to work with motivated professionals in a rapidly growing financial technology environment.