Transaction Banking, Liquidity Portfolio Manager, Vice President

Transaction Banking, Liquidity Portfolio Manager, Vice President location_on New York, NY, United States

Transaction Banking

Our mission is simple: provide a global transaction banking platform that is nimble, secure, and easy for clients use.

Wehave delivereda modern,digital-first transaction bankingplatformto serveGS’varied client base. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-updesigned to solve some of the most complex operational needs in the industry. We aim to help our clients achieve Working Capital efficiency gains by optimizing their short term liquidity needs and simplifying their Cash Management operations.

We do so by deliveringa best-in-class digitalsolutionthat helpsclients manage their liquidity movements, foreign exchange and payments enabling international treasury operations and commerce.

We’re a team of diverseTreasury andPayments specialistshelping our clientssolution andbuild for the future.

Team Overview

The Liquidity Portfolio team within Transaction Banking is responsible for the growth, pricing strategy, and balance sheet performance of our corporate deposit portfolio. Operating at the intersection of sales, product, and corporate treasury, the team plays a critical role in managing the bank’s funding mix, optimizing Net Interest Margin (NIM), and maximizing deposit profitability within a strict risk and regulatory framework.

Position Overview

We are seeking an experienced, strategic, and commercially minded Vice President to join our Liquidity Portfolio team. In this role, you will lead deposit and cash management pricing, manage the commercial health of our portfolio, and ensure close alignment with firmwide funding objectives.

You will act as a key bridge between client-facing Coverage teams, Corporate Treasury, and the Liquidity Product team. Your responsibilities will span active trade-level pricing across Demand Deposit Accounts (DDA) and Term solutions, strategic performance tracking of Transaction Banking (TxB) liabilities, and cross-functional market assessment to refine our suite of cash management offerings.

Key Responsibilities

• Deal-Level Pricing & Structuring: Own and manage the end-to-end pricing requests from Client Coverage, establishing competitive and risk-adjusted pricing frameworks across Demand Deposit Accounts (DDAs), fixed/floating Term Deposits, and Notice solutions.
• Marginal Trade Evaluation: Analyze deposit request yields to ensure client opportunities are accretive to TxB's financial performance and margin goals.
• Sales Enablement: Partner closely with Coverage to support high-value client acquisitions, offering customized, yield-optimized liquidity solutions.

2. Treasury Coordination & Portfolio Performance

• Performance Tracking: Work closely with Corporate Treasury, leading periodic performance reviews on TxB balance sheet metrics, liability levels, and margin fluctuations.
• Assessing key funding attributes such as FTP updates and funding objectives ensuring they result into actionable commercial pricing targets for the front-office Coverage teams.
• Liquidity Metric Alignment: Evaluate the impact of deposit compositions on key regulatory ratios, including the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR).
• Market Assessment: Undertake periodic research into global interest rate environments, competitor deposit pricing, and commercial cash management trends.
• Product Optimization: Collaborate with the Liquidity Product team to enhance existing features (e.g., notice accounts, sweeps) and support the commercialization of new cash management solutions.
• P&L Monitoring: Evaluate product adoption rates and client behaviors to identify areas for balance sheet optimization or product enhancement.
• Exception & Limit Monitoring: Manage pricing exception queues, ensuring deviations from base rates adhere to established corporate governance structures and risk limits.
• Stakeholder Reporting: Prepare polished reporting and presentation materials detailing portfolio performance and liability concentrations for senior leadership and risk committees.

Basic Qualifications

• Experience: 6–10+ years of relevant experience in Transaction Banking, Corporate Treasury, Liquidity Product Management, or Cash Management.
• Technical Domain Knowledge: Deep understanding of deposit mechanics, DDA structure, fixed/floating rate curve dynamics, and cash concentration solutions.
• Analytical Capability: Proven experience managing large datasets to model pricing sensitivities and generate strategic portfolio insights.
• Communication & Collaboration: Strong interpersonal skills with an ability to communicate complex balance sheet and liquidity topics clearly to senior management.

Preferred Qualifications

• Strong knowledge of bank balance sheet dynamics, funds transfer pricing (FTP), and regulatory frameworks (e.g., Basel III, Regulation D).
• Prior experience working inside a fast-paced Transaction Banking environment.
• Competency with business intelligence and data visualization platforms (e.g., Reuters, Salesforce,).

About Goldman Sachs

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers .

Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.

Salary Range

The expected base salary for this New York, NY, United States-based position is $ -$ . In addition, you may be eligible for a discretionary bonus if you are an active employee as of fiscal year-end.

Benefits

Goldman Sachs is committed to providing our people with valuable and competitive benefits and wellness offerings, as it is a core part of providing a strong overall employee experience. A summary of these offerings, which are generally availableto active, non-temporary, full-time and part-time US employees who work at least 20 hours per week, can be found here .

Healthcare & Medical Insurance

We offer a wide range of health and welfare programs that vary depending on office location. These generally include medical, dental, short-term disability, long-term disability, life, accidental death, labor accident and business travel accident insurance.

We offer competitive vacation policies based on employee level and office location. We promote time off from work to recharge by providing generous vacation entitlements and a minimum of three weeks expected vacation usage each year.

Financial Wellness & Retirement

We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.

Health Services

We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also provide state-of-the-art on-site health centers in certain offices.

Fitness

To encourage employees to live a healthy and active lifestyle, some of our offices feature on-site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre-approved amount).

Child Care & Family Care

We offer on-site child care centers that provide full-time and emergency back-up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.

Benefits at Goldman Sachs

Read more about the full suite of class-leading benefits our firm has to offer.