Senior Financial Analyst

Senior Financial Analyst, Revenue and Volume Forecasting, Analytics & Market Intelligence

The Senior Financial Analyst, Revenue and Volume Forecasting, Analytics & Market Intelligence is responsible for developing and maintaining the enterprise forecast for merchant acquiring payment volume and related revenue drivers, including DIA, pricing, attrition, same-store sales, new business, and strategic initiatives. The role combines financial forecasting, market intelligence, merchant acquiring analytics, and executive storytelling to provide leadership with a trusted, forward-looking view of business performance. This position serves as a key analytical partner across Finance, Revenue, Product, Pricing, Business Intelligence, Strategy, and Executive Leadership. The role translates internal performance trends and external market indicators into actionable insights, supports short-term and long-range planning, identifies emerging risks and opportunities, and helps shape strategic business decisions.

Key Responsibilities

Revenue, Volume Forecasting & Planning

• Own monthly, quarterly, annual, and long-range forecasts for merchant payment volume and volume-based revenue streams across business segments, geographies, and channels.
• Develop and maintain forecasting models for payment volume, DIA, pricing, attrition, same-store sales, new business, and strategic initiatives.
• Establish forecast assumptions supporting annual planning, multi-year strategic plans, and executive reviews.
• Perform scenario modeling, sensitivity analysis, and risk assessments to quantify potential impacts to forecasted performance.
• Evaluate forecast assumptions, challenge business inputs, and identify key risks and opportunities impacting financial performance.

Market Intelligence & External Benchmarking

• Monitor and evaluate external indicators including Personal Consumption Expenditures, retail sales, consumer spending trends, GDP and economic forecasts, card brand data, public acquirer and processor earnings, and industry analyst reports.
• Translate macroeconomic, market, and competitive data into meaningful business implications and forecast adjustments.
• Maintain a consolidated view of industry trends, competitive performance, and emerging opportunities.
• Quantify the relationship between consumer spending trends and company volume performance.

Merchant Acquiring & Payments Ecosystem Analytics

• Analyze the drivers of transaction and revenue growth, including same-store sales, new business, attrition, merchant mix, industry vertical performance, geographic trends, product adoption, and eCommerce or omnichannel growth.
• Monitor card network rule changes, interchange updates, assessment changes, twice-annual network releases, and broader industry developments.
• Evaluate how changes in card mix, credit versus debit penetration, consumer versus commercial cards, digital wallet adoption, and card-present versus card-not-present activity impact volume forecasts and revenue expectations.
• Identify leading indicators of future volume growth, merchant health, margin pressure, and portfolio performance.

Financial Analysis, Business Insights & Executive Storytelling

• Perform detailed variance analysis against Plan, Forecast, Prior Year, and prior forecast submissions.
• Develop clear narratives explaining customer growth, attrition, pricing performance, market trends, revenue performance, and forecast outlook.
• Produce executive-ready reporting and presentations for Month-End Close, Forecast Reviews, CFO Reviews, Strategic Planning Sessions, Executive Leadership meetings, Business Reviews, and Board or investor discussions.
• Communicate complex financial, economic, and payment industry trends in a clear, concise, and leadership-ready manner.
• Present findings, risks, opportunities, and recommendations to finance and business leadership.

Reporting Automation, Data Governance & Process Improvement

• Identify opportunities to automate reporting, forecasting, and analytical processes.
• Develop scalable reporting solutions and improve forecasting efficiency.
• Partner with Business Intelligence teams to improve data quality, accessibility, governance, and semantic model adoption.
• Validate data integrity across reporting platforms and source systems, investigate discrepancies, and maintain documentation, controls, and forecasting standards.
• Continuously improve forecast accuracy through enhanced analytics, monitoring capabilities, and standardized methodologies.

Cross-Functional Partnership & Strategic Support

• Partner with Product, Revenue, Pricing, Operations, Finance, Strategy, and Business Intelligence teams to align growth assumptions and understand business drivers.
• Serve as a subject matter expert on payment volume trends, merchant acquiring economics, and industry outlook.
• Provide analytical support for strategic initiatives, product investments, acquisitions, market expansion opportunities, and long-term growth planning.
• Act as a trusted advisor by providing independent financial perspectives and translating complex performance dynamics into actionable recommendations

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Typically five or more years of related experience

Preferred Skills/Experience

• Advanced financial modeling, forecasting, and analytical skills.
• Strong knowledge of merchant acquiring, payments, card networks, consumer spending trends, and revenue drivers.
• Experience interpreting macroeconomic, market, and industry data and translating findings into business implications.
• Experience with executive-level reporting, presentation development, and senior leadership communication.
• Advanced Excel and data analysis skills, with experience working with large data sets, BI tools, and financial systems.
• Experience within merchant acquiring, card payments, fintech, banking, or financial services.
• Knowledge of Visa, Mastercard, American Express, Discover, and payment network economics.
• Familiarity with economic forecasting methodologies, market research, and external industry benchmarking.
• Experience with Power BI, Tableau, semantic models, and large-scale data analysis.
• Strong ability to simplify complex concepts and turn detailed analysis into executive-ready narratives.

Location Requirements

This role requires working onsite in a U.S. Bank location 3 or more days per week

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $98,175.00 - $115,500.00