Innovation Analyst at U.S. Bank National Association

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Do you like hearing “no”? Good. In innovation, “no” is often where the interesting work starts. It can point to a customer problem, a broken process, a risky assumption, or an idea that needs a better path forward. We are looking for a curious, resourceful Innovation Analyst who gets energized by roadblocks, asks better questions, learns fast, and helps turn early ideas into real experiments that connect technology, customer needs, business value, and risk.

As an Innovation Analyst, you will help shape the next generation of financial experiences for customers, employees, and business partners. You will research emerging technologies, spot problems worth solving, support pilots and proofs of concept, and translate messy information into clear recommendations. You will work across product, design, technology, risk, compliance, and business teams to help move concepts from “interesting” to “worth testing” to “ready for decision.”

Primary Responsibilities

• Research emerging technologies, fintech trends, startups, customer behaviors, and market shifts that could shape the future of financial services.

• Help identify customer, employee, and business problems that are worth solving.

• Turn early ideas into clear problem statements, opportunity briefs, journey maps, user stories, mockups, or pilot plans.

• Support experiments, proofs of concept, and pilots by helping define goals, success measures, risks, and next steps.

• Partner with product, design, technology, risk, compliance, and business teams to understand what is possible, valuable, usable, and safe.

• Create executive-ready materials that explain what we learned, why it matters, and what we recommend.

• Track areas such as AI, automation, digital payments, data tools, workflow platforms, fintech partnerships, and customer experience.

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Three to five years of experience in project management activities

Preferred Skills/Experience

• Experience through internships, project work, research, consulting, product, design, technology, startup, financial services, or business analysis roles

• Strong curiosity about technology, customer behavior, and the future of financial services

• Ability to research, synthesize, and explain complex topics in simple language

• Excellent verbal and written communication skills

• Strong organizational, analytical, and problem-solving skills

• Comfortable working in ambiguity, asking thoughtful questions, and managing multiple workstreams

• Exposure to fintech, banking, payments, AI, automation, product management, UX, consulting, startups, or emerging technology

• Experience creating presentations, research briefs, process maps, journey maps, mockups, user stories, or pilot plans

• Basic data analysis skills using Excel, Power BI, SQL, Python, or similar tools

• Experience with tools such as PowerPoint, Excel, Jira, Mural, Figma, Confluence, or similar collaboration platforms

What You’ll Get

• A front-row seat to emerging technologies before they become mainstream

• Hands-on experience turning ideas into experiments, pilots, and decision-ready recommendations

• Exposure to product, design, technology, risk, compliance, and business leaders

• The chance to build a portfolio of real innovation work that helps shape the future of financial services

Travel: Occasional travel for partner meetings, team sessions, innovation events, or industry learning opportunities

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

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

Review our full benefits available by employment status here.

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.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.

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: $81,515.00 - $95,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.