Asset Liability Management Consultant (ALM)
Description
Abrigo provides technology that community financial institutions use to manage risk and drive growth. Our solutions automate key processes – from anti-money laundering to fraud detection to CECL readiness to lending workflows – empowering our customers by addressing their Enterprise Risk Management needs.
The Advisory Consultant – Asset and Liability Management is a key role within the Advisory Services team reporting to the Senior Manager of Advisory Services, focused on providing expert guidance to financial institutions. This position involves leading ALM and loan and deposit pricing advisory engagements, delivering strategic recommendations, and serving as a subject matter expert in banking and financial services. As part of a dynamic and growing team, this role offers opportunities to work with a variety of clients, providing best practices and formal deliverables across multiple areas of asset and liability management, loan/deposit pricing and risk management.
We are seeking highly motivated candidates with strong analytical skills, software expertise, communicative skills, and a strategic mindset. The ideal candidate will have a well-rounded understanding of financial institution balance sheet management and operations, experience working in leadership roles within banking, and the ability to translate complex concepts into actionable recommendations for clients.
Applicants may choose to work remotely or be hybrid-based at our office in Raleigh (NC) or Austin (TX).
What You'll Do:
- Serve as a subject matter expert in asset and liability management, core deposit studies, balance sheet strategy and loan/deposit pricing services including software implementation and data integration.
- Deliver detailed analytical reports for executive teams and ALCO committees.
- Advise on loan/deposit pricing strategies aligned with risk-adjusted return principles.
- Guide financial institutions on interest rate risk management, funding strategies, and liquidity risk oversight.
- Assist financial institutions in understanding the impact of macro and market trends on ALM and loan/deposit pricing models.
- Collaborate with clients to evaluate profitability analysis strategies, including FTP (Funds Transfer Pricing) and loan/deposit repricing strategies.
- Stay current on relevant regulatory-related compliance requirements and demonstrate a willingness to research and integrate new regulations into advisory offerings.
- Occasional travel required for team events to support engagement, relationship-building, and key decision-making.
- Ability to travel up to 10%.
- Other duties as assigned.
What You'll Need:
- Bachelor’s degree in accounting, finance, or a related field and a minimum of 8 years of experience.
- Certifications, such as CPA, banking/finance certifications, and/or graduate school of banking completion preferred.
- Financial institution experience with an emphasis on asset and liability management expertise and capital/liquidity management and the impact of rate shock analysis
- Background in working with loan/deposit pricing software and familiarity with the relevant assumptions driving profitable loan pricing decisions.
- Knowledge of funding cost analysis, deposit betas, and prepayment modeling.
- Hands-on experience with ALM software, FTP frameworks, or balance sheet management tools.
- Executive committee experience may substitute for direct lending experience.
- Ability to quickly adapt to new technologies and industry advancements.
- Experience using all MS Office applications.
What You’ll Get:
- Market competitive total rewards package
- To be part of the Heart & SOUL of a winning company with an inspiring mission
- The opportunity to Make Big Things Happen
- Competitive salary along with full health benefits with an HSA option.
- Flexible PTO and bank holidays
- 401(k) plan and company match
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, age, genetic trait, sexual orientation, national origin, disability status, or any other characteristic protected by law. Abrigo is committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. If you need assistance or an accommodation due to a disability, you may contact us at Careers@abrigo.com with the subject line accommodation.