Mutual Opportunities
Liquidity Modeling & Analysis Consultant
Boston, Massachusetts; Springfield, Massachusetts; New York, New York
Thank you to our employees for voting us one of the top places to work in Massachusetts for seven consecutive years!
Overview
Finance and Accounting is at MassMutual’s core, and our team is ushering in an era of growth. We are looking for bold ideas, creative solutions, and comfort embracing change. We strive to build a diverse team and leverage different points of view to optimize processes and build strong relationships.
Our team is motivated by challenging work that delivers substantial impact in a culture of accountability and collaboration. We treat policyowners and customers fairly and prioritize financial stability. Being part of a mutual company means that our teams can think long-term, and employees can dive deep into the complex structure of products and the organization.
Our finance teams are experts in their field and thrive in fast-paced environments. They balance the needs of the business and invest in the long term, while always putting the customer first. They align their work with our live mutual philosophy and strive to always make the right choice for our policyowners. We are building a team that truly embodies ‘together we move forward.’
“At MassMutual, finance is the heartbeat of our company. Maintaining financial strength and stability and earning trust are key to how we operate. And as a mutual life insurance company, we don’t have shareholders. This means that our finance team can think long-term when choosing the best paths to fulfill our purpose: helping people to secure their futures and protect the ones they love. We’re looking for dedicated, skilled, creative finance professionals to join us in tackling complex challenges. Here, you’ll have the opportunity to grow your career in a place that values your ideas and invites you to challenge the status quo.”
Job Description
Liquidity Modeling & Analysis Consultant
Liquidity Management | Treasury | Finance
Full-Time
Boston, MA, Springfield, MA, or New York, NY
The Opportunity
As a Liquidity Modeling & Analysis Consultant, you will work in a fast-paced, innovative and collaborative environment focused on providing the company with detailed analytics on liquidity positioning, identifying liquidity risks, and creating playbooks to mitigate them. This individual contributor role will report directly to the Head of Liquidity Modeling & Analysis within MassMutual’s Treasury organization and will have the opportunity to:
- Improve our modeling capabilities from static snapshots to build a dynamic, forward looking forecasting engine capable of navigating the unique complexities of life insurance cash flows
- Participate in the design of contingent liquidity planning frameworks to codify our response to liquidity stress
- Collaborate across multiple teams including Investment Management, Actuarial, Enterprise Risk Management, Financial Planning & Analysis, Controllership, and more
The Team
The Liquidity Modeling & Analysis Consultant is a member of the Liquidity Management Team within the Treasury organization, which is a dynamic team of individuals with diverse backgrounds that are focused on:
· Monitoring our daily cash and liquidity positioning, forecasting our cash flow needs, and maintaining our bank relationships to raise funding
· Designing models to forecast our liquidity risks and developing the funding options and execution strategies required to response to stress events
· Achieving a balance of maximizing value for our policyholders while continuing to operate within our liquidity constraints
· Serving as a strategic partner to our colleagues in Investment Management, Actuarial, and Enterprise Risk Management
The Impact
Your role within the Liquidity Modeling & Analysis team will contribute to key insights regularly delivered to our senior management on management of key liquidity risks. You will accomplish that through the responsibilities below:
Liquidity Modeling & Stress Testing
- Improve our liquidity stress testing production process, streamlining the data collection process and improving visibility of results
- Identify areas for automation in order to increase frequency of production
- Participate in efforts to review existing assumptions across products and legal entities
- Expand our stress testing scenario design, and enhance our modeling capabilities to allow for more dynamic scenario modeling
- Participate in broad finance transformational efforts and adapt our approaches to a changing environment
Contingency Funding Planning
- Conduct analysis to determine the appropriate sizing of contingency funding options and evaluate the benefit of additional contingency funding sources across legal entities
- Assist with development of contingency funding playbooks to better define thresholds and procedures during liquidity stress
External Views of Liquidity
- Evaluate and interpret our liquidity treatment and ratios against external views (Rating agencies, DFS, DOI, NAIC) and compile results to provide insights to senior leadership
- Reconcile internal liquidity stress testing analyses to external views of liquidity measurement
- Develop peer analysis to compare our liquidity positioning against our life insurance cohorts
The Minimum Qualifications
- Bachelor’s degree in Economics, Business, Finance, Applied Mathematics, or similar quantitative area of study
- 3+ Years of progressive experience in any of the following areas: Corporate Treasury, Financial Planning & Analysis (FP&A), Corporate Development / M&A, Management or Risk Consulting, Risk Management, or Quantitative Analysis
- Experience with financial modeling in Microsoft Excel
The Ideal Qualifications
- 5+ years of progressive experience in Corporate Treasury, FP&A, or Financial Modeling
- CFA/FRM or progress towards CFA or FRM
- Experience from banking or insurance industries
- Direct experience in liquidity stress testing concepts, including stress testing scenario design, assumption design and review, and contingency funding planning
- Experience with large, complex financial datasets and translating insights into actionable recommendations for business partners
- Demonstrated Technical and Data Visualization skillset (e.g., Power BI, Tableau, SQL, Alteryx)
- Understanding of investments and asset-liability management
- Understanding of insurance liabilities and familiarity with their associated liquidity risks
- Strong multi-tasking skills and ability to adapt to change
- Detail-oriented with demonstrated oral and written communication skills
- Intellectual curiosity to continue learning and adding breadth and depth to understanding
What to Expect as Part of MassMutual and the Team
- Regular meetings with the Liquidity Management and broader Treasury teams
- Focused one-on-one meetings with your manager
- Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups
- Access to learning content on Degreed and other informational platforms
- Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits
#LI-TB1
MassMutual is an equal employment opportunity employer. We welcome all persons to apply.If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
California residents: For detailed information about your rights under the California Consumer Privacy Act (CCPA), please visit our California Consumer Privacy Act Disclosures page.
MassMutual will accept applications on an ongoing basis until such time as a candidate has been offered employment. The job description includes the main duties of this position, which may evolve over time. You may be required to perform other duties not listed.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment.
Salary Range: $90,500-$118,700
Hiring Process
Explore
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Apply
Click the “apply” button on that job posting to complete and submit your application. Your application will be reviewed by a recruiter, which, due to the volume of applications received, may take some time as we carefully consider each application.
Screen
After your application has been reviewed, if you meet the qualifications for the role, a recruiter will reach out to you to start a conversation.
Interview
If you are invited for an interview, you will be scheduled to meet with the hiring manager and hiring team.
Offer
If you are extended an offer to join MassMutual and accept, your start will be contingent upon a satisfactory background check.
Hire
If you accept the offer, we will be so excited to welcome you to the MassMutual community!
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
By the numbers*
- 85% of employee respondents say they are proud to work at MassMutual
-
90
% of employee respondents say the work they do at MassMutual is meaningful - 85% of employee respondents say they feel encouraged to come up with new and better ways of doing things
*Source: 2025 MassMutual employee engagement survey
Award-Winning Culture
MassMutual is guided by a single purpose: We help people secure their future and protect the ones they love. As a company operated for the benefit of our members and participating policyowners, we are defined by mutuality and our vision to provide financial well-being for all Americans. It’s more than our company structure — it’s our way of life. We are a company of people protecting people. Our company exists because people are willing to share risk and resources and rely on each other when it counts.
We strive to build a thriving community where everyone is valued, included, and feels that they belong.
At MassMutual, we Live Mutual.
How We Work
MassMutual’s flexible workplace approach combines the importance of connecting in person and the flexibility of working remotely. Our hybrid model puts collaboration first with employees coming in at least three days per week to our spectacular campus settings and also enjoying the flexibility of remote Fridays, company-wide remote weeks, and a bank of flexible remote weeks to use throughout the year.
Benefits for the whole you (and your loved ones)
There’s more to your life than your job and there’s more to your aspirations than a paycheck. We take a holistic view of compensation and benefits that provides the flexibility to create a healthy balance in your life for work, family, and community. We offer the benefits you’d expect, like medical, dental, 401(k), and generous vacation time, but we also offer ones you might not expect, like three paid days for volunteering, a $1,250 annual Well-Being Wallet, and up to 320 hours of caregiver leave.
Explore some of our offerings below. Benefit details can be found here.
Why MassMutual?
Candy
Marketing Consultant
Atsam
Head of Advisor/Client Experience & Business Excellence
Erica
Head of Procurement
where we work
Springfield Office
1295 State Street, Springfield, MA
Boston Office
10 Fan Pier Blvd, Boston, MA
New York Office
2 Park Ave,
New York, NY
Virtual
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