Senior Deposit Analyst

What You’ll Do

The Senior Deposit Analyst leverages advanced analytics and strategic insights to support Four Leaf’s deposit growth and product performance objectives. Working with the Senior Manager Deposit Products, this role evaluates financial and operational performance, ensures regulatory compliance, and leads initiatives that improve product strategy, sales reporting, and operational efficiency. The position requires strong analytical acumen, cross‑functional leadership, and the ability to translate complex data into actionable recommendations.

• Data Analysis & Reporting
  • Lead complex analyses using internal performance data, member behavior patterns, competitive pricing, and market funding trends to identify risks, opportunities, and strategic implications.
  • Organize and interpret deposit‑related data, including internal performance metrics, competitor pricing, and market funding sources, to produce actionable reports and respond to leadership inquiries.
  • Create scalable reporting tools for Retail, Business Banking, and Four Leaf Financial Group (FFG), ensuring stakeholders have timely visibility into performance.
  • Synthesize analysis into actionable insights and recommendations, presenting findings clearly to senior leadership and cross‑functional partners.
  • Serve as a subject‑matter expert on deposit analytics, ensuring data methodologies are robust, accurate, and repeatable.
• Partner with the Senior Manager Deposit Products to shape deposit product strategy through advanced modeling, profitability analysis, scenario forecasting, and risk evaluation.
• Provide recommendations to optimize product performance, enhance the member experience, and drive measurable growth across business lines.
• Conduct advanced analysis on product or program changes, including financial modeling, risk assessments, and member impact evaluations.
• Monitor product compliance with regulatory requirements, internal policies, and industry standards; elevate issues and recommend corrective actions as needed.
• Support internal and external audits, regulatory reviews, and risk assessments related to deposit products and processes.
• Consult with Marketing and Sales teams on deposit campaigns, providing data‑driven insights to shape targeting, messaging, and expected outcomes.
• Develop performance measurement frameworks for incentive programs, promotions, and marketing initiatives; recommend enhancements based on analytical trends and results.
• Create product education materials, reporting tools, and guidance that enhance frontline understanding and improve product positioning.
• Special Projects
  • Lead or co‑lead strategic projects related to deposit growth, operational improvements, sales reporting, and product innovation.
  • Represent the Deposit Products team in strategic discussions, presenting analysis, recommendations, and business implications.

• Bachelor's Degree preferred in Finance, Economics, Business Administration, Data Analytics, or a related field.
• 7+ years of experience in financial services, banking, or a related field, with a focus on deposit products, financial analysis, or product management.
• Demonstrated experience with financial modeling/scenario evaluation, banking regulations, audit processes, risk management practices, project management, and presenting to senior leaders is strongly preferred.

Excel (Advanced Spreadsheet Analysis), PowerPoint, Word, Teams, Outlook.

The estimated salary for this role is $35.92 to $43.11 per hour. Four Leaf Federal Credit Union offers a comprehensive benefits package, including medical, dental, and vision coverage; life and disability insurance; voluntary benefit programs; a 401(k) plan with employer match; reimbursement and wellness programs; and an annual performance‑based bonus.

In addition to our comprehensive benefits, we invest in employee connection and well‑being through:

• Competitive 401(k)
• Tuition and fitness reimbursement programs
• Flexible work options
• Volunteer opportunities
• Executive “Water Cooler Chats”
• Clubs, sports, and social events
• Food truck days

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.