Senior Banking Data & Customer Insights Analyst

Job Details: Job Location: Data Center - McAllen - McAllen, TX, Salary Range: Undisclosed, JOB SUMMARY

The Senior Banking Data & Customer Insights Analyst serves as a banking subject-matter specialist within the Bank’s data and analytics team. This position works with business leaders to understand banking needs, identify opportunities, and translate business questions into clear analytical requirements. The position applies knowledge of banking products, operations, customer relationships, pricing, profitability, and risk to help the data team deliver useful insights and recommendations. The role works closely with the Director of Data Engineering & Analytics and technical team members to ensure data, reports, dashboards, and analysis address meaningful business needs and support measurable outcomes for the Bank.

ESSENTIAL DUTIES

The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.

Serve as a banking subject-matter specialist for the data and analytics team, bringing practical knowledge of banking products, processes, customers, and financial performance to analytical work
Partners with leaders and employees across lending, deposits, branch banking, treasury management, public funds, finance, operations, marketing, risk, and other areas to understand business needs and establish clear analytical requirements
Anticipate banking questions, risks, and opportunities that can be addressed through data and deliver high value outcomes back to the business
Translate banking needs, processes, and opportunities into clear requirements, business rules, measures, and expected outcomes for data analysts, engineers, and technical partners
Identify the underlying business question behind reporting and data requests, recognize when additional analysis is needed
Analyze customer and household relationships across deposits, loans, related parties, products, services, and delivery channels to help the Bank understand total relationship value and opportunity
Analyze banking products, balances, transactions, pricing, fees, account activity, portfolio performance, customer behavior, and other information needed to support business decisions
Use analytical methods to identify patterns, trends, differences, exceptions, risks, and opportunities in Bank data and explain why the findings matter
Develop practical recommendations and outcomes that support customer retention, relationship growth, pricing decisions, profitability, operating efficiency, and risk management
Present findings in plain business language, including the business question, what the data shows, why it matters, recommended next steps, expected benefit, and how results will be measured
Create and maintain reports, dashboards, analytical models, performance measures, and other tools that support key business decisions
Help define meaningful key performance indicators and consistent business definitions for customers, households, relationships, products, balances, profitability, and other important banking measures
Validate analytical assumptions, business definitions, and results with the appropriate business and technical partners before significant findings are used for decision-making
Identify data-quality issues that may affect business decisions and work with technical and business owners to resolve or clearly disclose those issues
Document data sources, business rules, assumptions, limitations, validation performed, and repeatable analytical processes
Collaborate with data engineers and IT professionals to support reliable data collection, storage, retrieval, and use while providing the banking context needed for technical design decisions
Help technical team members strengthen their understanding of Bank products, customer relationships, transactions, pricing, and operating processes
Maintain current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy, and ensure adherence by the respective department personnel
Helps identify KPIs and develop metrics to track and measure bank performance
Maintain current knowledge of and comply with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations
Maintain current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML
Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy, and ensures adherence by the respective department personnel
Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations, and ensures adherence by the respective department personnel
Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML, and ensures adherence by the respective department personnel

Qualifications: QUALIFICATIONS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

Bachelor’s degree from an accredited college or university in finance, accounting, economics, business administration, data analytics, information systems, or a related field
Minimum of 5 years of direct banking experience and relevant experience in financial services, business analysis, data analysis, finance, operations, and related areas
Working knowledge of multiple banking areas, such as lending, deposits, branch banking, treasury management, public funds, finance, operations, customer relationships, pricing, or profitability
Demonstrated ability to understand business processes, identify the underlying business question, and translate business needs into clear analytical requirements
Demonstrated ability to interpret data, identify meaningful findings, and make practical business recommendations
Ability to communicate effectively with executives, bankers, operations employees, analysts, data engineers, and other technical staff
Able to explain complex banking and analytical concepts in clear, direct language tailored to the audience
Strong problem-solving skills and the ability to resolve complex issues with minimal direction
Ability to use performance measures and data to provide insights, recommend action, and evaluate whether the intended result was achieved
Working knowledge of relational databases, reporting methods, data quality, and business intelligence practices
Proficiency with Microsoft Power BI, Tableau, or similar visual reporting tools
Working knowledge of SQL is preferred; knowledge of Python or similar analytical tools is helpful but not required
Knowledge of financial-institution regulations and risk requirements applicable to the role, including fair lending, consumer compliance, customer privacy, internal controls, and BSA/AML requirements
Excellent verbal and written communication skills; able to express ideas concisely and logically
Ability to meet deadlines, work in a fast-paced environment, and perform a variety of tasks with numerous interruptions
Ability to sit in front of a computer screen for long periods of time, which may cause visual strain
Bilingual in English and Spanish is desired

ORGANIZATION

This position reports to the Director of Data Engineering & Analytics

TRAINING REQUIREMENTS

All employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federal banking laws and regulations, including internal bank policies and procedures. Failure to adhere to these requirements will be grounds for disciplinary action, including probation and possible termination.

COMMUNITY INVOLVEMENT

Lone Star National Bank’s Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity. All employees are encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.

ATTENDANCE

Punctuality and regular attendance should be regarded as essential functions of any position at Lone Star National Bank. Among other things, "good attendance habits" mean the following:

Be at your workstation ready for work by the start of each workday
Remain at your workstation, unless the needs of the job require being elsewhere, except during authorized breaks (including restroom breaks)
Take only the time normally allowed for breaks
Call in and notify your supervisor or another member of management if you are going to be either absent or tardy
Alternate work arrangements such as telecommuting or working from home are not permitted by Lone Star National Bank

LSNB is an Equal Opportunity/Affirmative Action Employer and does not discriminate in the recruitment, hiring, and conditions of employment on the basis of race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, marital status, disability, age, veteran status, or any other status as protected by applicable laws.

Management reserves the right to change this position description at any time according to business needs.