Director, Treasury - Asset Liability Management (ALM)

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together.

UnitedHealth Group and Optum businesses operate under regulatory licenses governed by state insurance laws and federal and state banking regulations. Entities such as Optum Bank are required to maintain defined levels of capital and liquidity to support their operations and meet regulatory expectations.

Asset-liability management (ALM) plays a critical role in ensuring that Optum Bank maintains a balanced and resilient financial structure. ALM focuses on managing the risks that arise from mismatches between assets and liabilities, including interest rate risk, liquidity risk, and capital adequacy. This involves monitoring the duration and cash flow characteristics of both sides of the balance sheet, stress testing under various scenarios, and ensuring compliance with regulatory requirements and internal risk limits.

We are seeking to hire a Director of Asset-Liability Management (ALM) to support Optum Bank's compliance with applicable regulations, guidance, and industry best practices related to financial risk exposures. This position will be responsible for developing and maintaining ALM frameworks, conducting risk assessments, and supporting strategic balance sheet decisions.

This position follows a hybrid schedule with four in-office days per week.

Primary Responsibilities :

• Leadership

Collaborate with senior leadership and cross-functional teams to strengthen enterprise-wide risk management practices and support strategic decision-making through actionable insights

Have a strong theoretical understanding of financial economics and mathematics such as statistics, risk management and balance sheet modeling techniques

Forecast and assess the Bank's liquidity profile under various scenarios, incorporating business growth, funding mix, market conditions, and regulatory requirements

Design, implement, and maintain comprehensive ALM frameworks to effectively identify, measure, monitor, and manage interest rate risk (IRR), liquidity risk, and capital adequacy in alignment with regulatory expectations and internal risk appetite.

Familiarity with US Regulatory guidelines from the Federal Reserve, OCC, FDIC, and other policy setting entities ensuring the Bank is in full compliance with applicable banking regulations, internal risk policies, and model governance frameworks.

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications :

Preferred Qualifications :

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $132,200 to $226,600 annually based on full-time employment. We comply with all minimum wage laws as applicable.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.