Job Description

Treasury and Business Insights Officer

The Treasury and Business Insights Manager oversees end-to-end cash management across the organization’s service channels. The role ensures that teller and branch cash are balanced daily, ATMs are adequately funded, and vault cash records are accurately maintained. This position combines strong operational discipline, reconciliation expertise, and vendor coordination skills with rigorous compliance and control standards. The Manager is also responsible for transforming data into actionable insights that drive strategic business decisions, optimize services, and enhance the organization’s competitive position.

Key Responsibilities

1. Branch and Station Cash Management

• Oversee cash levels at each branch and teller station; set and enforce cash limits.

• Organize and schedule secure movement of cash from branches to the vault (CIT coordination, chain of custody, manifests).

• Ensure each station and branch balances to opening cash plus/minus the day’s transactions (till balancing, over/short logs).

• Investigate and resolve cash variances promptly; escalate material discrepancies.

• Maintain daily cash position reports, forecasts, and liquidity buffers by location.

• Coordinate with Accounting for daily reconciliation to the GL and deposit confirmations.

2. ATM Cash Management

• Monitor cash levels, withdrawals, deposits, and forecast burn rates for each ATM.

• Plan and execute ATM cash replenishments and collections.

• Manage deposit processing and payout handling for unfit notes.

• Track ATM uptime, cash-out events, and service-level adherence; drive corrective action.

• Enforce dual control procedures and maintain audit trails for all ATM-related cash activities.

3. Vault Operations and Records Management

• Verify all vault deposits under dual control; reconcile with branch and ATM activity.

• Ensure vault ledger balances with daily activities, CIT receipts, and bank deposits.

• Manage movement of cash from the vault to the bank as needed; confirm credits.

• Maintain accurate vault logs, records, and access controls.

• Conduct regular and surprise counts; resolve discrepancies.

4. Controls, Compliance, and Audit

• Enforce segregation of duties, dual control, cash limits, and secure storage protocols.

• Maintain compliance with regulatory obligations and internal policies.

• Maintain documentation such as manifests, load sheets, and variance reports.

• Support internal and external audits and ensure implementation of corrective measures.

5. Reporting, Analytics, and Continuous Improvement

• Produce daily cash position reports, variance analyses, and ATM dashboards.

• Optimize cash deployment to minimize idle balances and prevent shortages.

• Standardize SOPs, train staff, and lead process improvement initiatives.

• Manage relationships with CIT vendors, ATM servicers, and banking partners.

6. Data Collection and Analysis

• Collect, organize, and analyze data related to accounts, products, and services.

• Develop and maintain data tracking systems and dashboards.

• Conduct audits to ensure data accuracy and integrity.

7. Business Insights

• Transform complex data into actionable insights.

• Identify trends and patterns in customer and transaction behavior.

• Present analytical findings to leadership and stakeholders.

• Collaborate across departments to implement data-driven recommendations.

8. Product and Service Enhancement

• Analyze feedback and usage data to identify areas for improvement.

• Support product development with relevant market data.

• Evaluate performance of new and existing services.

• Recommend optimizations based on analysis.

9. Financial Analysis

• Identify inefficiencies and contribute to cost-control initiatives.

• Develop financial models for revenue forecasting and growth.

• Support pricing and ROI analyses for new initiatives.

10. Market Research

• Conduct competitive benchmarking and market analysis.

• Research customer preferences and industry trends.

• Evaluate pricing structures for competitiveness.

• Identify market gaps and new opportunities.

11. Business Case Development

• Develop business cases for new projects using data-driven projections.

• Conduct feasibility studies and scenario analyses.

• Support strategic planning with performance and market data.

Qualifications

• Bachelor’s degree in Business, Finance, Economics, Statistics, or related field.

• Professional certifications (e.g., CAMS, AML) are an asset.

• 3–5+ years’ experience in cash operations, treasury, ATM operations, or vault management (financial, retail, or banking environment preferred).

• Experience in financial data analysis.

• Strong reconciliation and variance analysis skills with attention to detail.

• Familiarity with AML principles and cash-handling controls.

• Advanced Excel or Sheets proficiency; experience with cash management systems.

• Proven ability to translate analysis into actionable recommendations.

Technical Skills

• Proficiency with data analysis tools (Excel, Power BI, Tableau, etc.).

• Strong SQL and database management skills.

• Knowledge of statistical and forecasting methods.

• Familiarity with business intelligence and visualization platforms.

Soft Skills

• Clear, calm communicator capable of leading cross-functional coordination.

• Excellent analytical and critical thinking skills.

• Strong presentation and communication abilities.

• Detail-oriented problem solver with project management experience.

• Collaborative approach to working across departments.

Supervisory and Reporting Relationships

• Supervises cash office staff, vault custodians, and coordinates with branch managers on reconciliation and variance management.

• Reports directly to the Chief Executive Officer on treasury and data-related matters.

Compensation and Benefits

• Base Salary: USD $4,000 per month

• Allowances:

  • Housing: USD $1,500/month

  • Vehicle: USD $500/month

  • Relocation: One-time payment of USD $4,000

• Professional development opportunities in treasury management and business analytics.

• Collaborative, innovative work environment.

• Opportunity to make a measurable impact on business strategy and performance.