Treasury and Central Funding

I chose to study Business Administration because I have a head for numbers and I was eager to learn about different topics like Marketing, Finance, Accounting and Human Resources. A diverse education like this one prepares you for a variety of career paths and in a variety of settings. This diversity also accommodates different skill sets, which means I knew I would find opportunities to add new skills, while building those I already had. I chose to attend HEC Montreal mainly for the quality and relevance of the teaching, the international exchange program and its amazing trading room with real-time financial data.

I decided to pursue finance after I took my first finance class. I have always enjoyed problem-solving and tough challenges, but during that first class, I realized that finance is at the core of business decision-making. Finance involves formulas, Excel spreadsheets, and ratios, but it also involves analyzing these numbers and turning them into actionable business insights. Doing meaningful work is a highly-motivating factor for me, so I decided to go into finance.

I worked part time at National Bank of Canada as an Analyst, Fund Administration and I also did a research project at the same financial institution.

The Treasury is responsible for the sound management of the bank's financing and liquidity. To this end, deposits play a key role in maintaining an optimal deposit to total funding ratio. In my current role, I am responsible for the monitoring of deposits for Treasury, the development of new deposit initiatives, the development of marketing tools for the sales team and clients and for the development of new deposit products. As for most jobs in finance, I would say there is no typical day. I usually spend a lot of time in meetings (or on the phone) building relationship with business lines in order to support them in negotiating and booking new deposits with existing and potential clients. I also spend some time everyday working in excel to do pricing and growth analysis.

Be resilient when facing challenges. You’ll face many challenges during your years in school and remember that there’s someone out there who has been through the same challenges. This person’s experience can be a source of motivation, as well as a guide, to get through your challenge. Meet with university students to learn more about the different programs and decide which school to attend. Meet for coffees with young professionals to learn about their jobs and their career paths. Ask your high school teachers for advice. Find yourself a mentor in the world of finance. Always remember that it’s up to you to determine whether a challenge you face will be a step back or the catalyst for a step forward.