Regulatory Reporting Analyst
96% skill overlap
To add: Bank product accounting (loans, deposits, EIR, IFRS 9 stages)
Your role
Capital Reporting Analyst
Full profileYour role
- L3 salary
- Not published yet
- Upcoming dated changes
- 16 changes ahead
What the role does
A Capital Reporting Analyst prepares the reports on a bank's own funds, risk-weighted assets and capital ratios that are submitted to supervisors and published in Pillar 3 disclosures. In the EU the work follows the Capital Requirements Regulation (CRR) and the European Banking Authority (EBA) COREP templates, built on the Basel framework. The role calculates or collects capital figures at solo and consolidated level, reconciles them with accounts under IFRS (International Financial Reporting Standards), explains movements and supports capital planning.
Read a day in the life
A day in the life
It is quarter end, and the analyst is preparing the own funds and capital adequacy templates for the group. The morning starts with the consolidated balance sheet from group finance. The analyst checks that equity, retained earnings and other reserves reconcile with the accounts, then applies the regulatory deductions such as intangible assets and deferred tax assets. Late morning goes to risk-weighted assets: credit, market and operational risk figures arrive from the risk teams, and the analyst checks them against last quarter and asks for explanations of large movements. After lunch the analyst runs the EBA validation rules, fixes a mapping error between a subsidiary and the consolidation scope, and recalculates the leverage ratio. Mid-afternoon brings a call with the capital management team, who need the latest ratios for a board paper. The analyst prepares a short bridge showing what moved the common equity tier 1 ratio during the quarter. The day ends with updating the Pillar 3 disclosure tables for review.
Levels
- L1 Starting out
- L2 Independent
- L3 Senior or specialist
- L4 Leads a team or an area
- L5 Leads the function
Full level descriptions and job titles
The EFO level names are the common scale; job titles differ between employers.
| Level | What the work looks like | Typical years | Typical job titles |
|---|---|---|---|
| L1 Starting out | Prepares parts of capital templates and reconciliations with procedures, collects own funds and risk-weighted asset data, runs validations and learns CRR rules and tools under review. | 0-2 | Banks: Analyst, Junior Analyst, Associate (asset servicing), Trainee, GraduateAsset servicers: Junior, Specialist (entry), Officer |
| L2 Independent | Owns capital reports for an entity end to end: own funds, deductions, risk-weighted asset aggregation, leverage ratio and commentary, and trains L1 analysts. | 2-5 | Banks: Analyst / Senior Analyst, AssociateAsset servicers: Specialist, Senior Specialist, Senior Officer |
| L3 Senior or specialist | Senior analyst or subject matter expert. Interprets capital rules and new framework releases, handles consolidation scope and complex instruments, answers supervisor queries and supports projects. | 5-9 | Banks: Senior Associate, AVP, Assistant ManagerAsset servicers: Senior Specialist, Expert, Team Lead (small team) |
| L4 Leads a team or an area | Leads a capital reporting team, owns the reporting calendar, controls and Pillar 3 disclosures, signs off reports for review and is the escalation point for supervisors and auditors. | 8-14 | Banks: VP, Manager, Senior ManagerAsset servicers: Team Lead, Manager, Head of Section |
| L5 Leads the function | Head of capital reporting or regulatory reporting for a group. Accountable for accurate capital reporting and disclosure, sets the control framework and reports to the chief financial officer and board. | 12+ | Banks: Director, Executive Director, Managing Director, Head of functionAsset servicers: Head of Department, Director |
Skills
Where the skill weights come from
Each role lists its skills with a tier and a weight. The weights of one role add up to 100 percent.
Source: the EFO role catalogue, built from the ESCO classification and reviewed by the editors.
The percentage is the skill's share of the role; the bars are drawn relative to the anchor skill, which is shown full.
Critical
- Prudential and regulatory reporting (COREP, FINREP, US call reports)Weight 12.8%Relevant to you
- Basel framework and capitalWeight 8.5%Relevant to you
- International accounting standards (IFRS)Weight 8.5%Relevant to you
- Advanced Microsoft ExcelWeight 8.5%Relevant to you
- Liquidity metrics (LCR, NSFR)Weight 8.5%Relevant to you
- Group consolidationWeight 8.5%Relevant to you
Important and supporting skills 16
Important
- Accounting fundamentals (double entry)Weight 4.3%Relevant to you
- Querying data with SQLWeight 4.3%Relevant to you
- Attention to detailWeight 4.3%Relevant to you
- Control mindset (what could go wrong)Weight 4.3%Relevant to you
- Professional written communicationWeight 4.3%Relevant to you
- Regulatory change impact assessmentWeight 4.3%Relevant to you
- Data cleaning and validationWeight 4.3%Relevant to you
Supporting
- Period-end close and reconciliationsWeight 2.1%Relevant to you
- Visualisation tools (Power BI, Tableau)Weight 2.1%Relevant to you
- Investigative reasoning on anomaliesWeight 2.1%Relevant to you
- Working to tight deadlinesWeight 2.1%Relevant to you
- Credit risk models (IFRS 9, IRB)Weight 2.1%Relevant to you
- Stakeholder managementWeight 2.1%Relevant to you
Useful
- Python for data analysisWeight 0.7%Relevant to you
- Assessing the quality of sourcesWeight 0.7%Relevant to you
- Operational resilience and ICT risk rules (DORA and equivalents)Weight 0.7%Relevant to you
Processes
The work the role takes part in.
- Capital calculation
- Financial reporting and accounting
- Liquidity and balance sheet management
- Prudential reporting
What each process covers
- Capital calculationMain
- Financial reporting and accountingMain
- Liquidity and balance sheet managementMain
- Prudential reportingMain
- Regulatory change managementSupporting
Where the role concentrates
How AI is changing the role
Reporting platforms now automate data aggregation, validation and reconciliation between accounts and capital figures, and AI assistants draft movement commentaries and answer rule questions.
Read the full assessment
Reporting platforms now automate data aggregation, validation and reconciliation between accounts and capital figures, and AI assistants draft movement commentaries and answer rule questions. Manual spreadsheet work shrinks. Changes to the EU capital rules under the CRR and the EBA reporting framework keep demand high for people who understand both accounting and prudential rules. Value grows in interpreting rules, explaining capital movements to management and supervisors, managing consolidation scope and checking automated outputs. The World Economic Forum Future of Jobs Report 2025 lists analytical thinking and AI and big data among fast-growing skills.
Dated changes for this role
- Swiss SIC participants must receive instant paymentsRelevant to you
- Digital euro regulation in final negotiationsRelevant to you
- DORA register of information: 2027 annual submissionRelevant to you
- Swiss capital and liquidity ordinance changes from January 2027Relevant to you
- CRR3 output floor rises to 60 percent in 2027 and 65 percent in 2028Relevant to you
Worth knowing
Salary snapshot
Salary figures are not published yet
The L3 salary range for this role, with its sources, will appear here when the salaries section opens.
Certifications
- CAMS
- ICA Diploma in Compliance
- CIPP/E
Concepts to know
- CET1 (Common Equity Tier 1)
- COREP (Common Reporting)
- Additional Tier 1 (AT1)
- Basel III
- Capital buffers
- Close-out netting
- CRD6
- CRR (Capital Requirements Regulation)
All 24 concepts
- CRR3
- DPM (Data Point Model)
- EBA taxonomy (reporting framework release)
- G-SIB and O-SII (systemically important banks)
- ICAAP (Internal Capital Adequacy Assessment Process)
- IRB approach (internal ratings-based)
- ITS (Implementing Technical Standards)
- Large exposures
- Leverage ratio
- Maximum distributable amount (MDA)
- MREL
- Operational risk capital (business indicator approach)
- Output floor
- Own funds (regulatory capital)
- Pillar 1 (minimum capital requirements)
- Pillar 2 (P2R and P2G)
Neighbouring roles
Roles that need many of the same skills, by weighted skill overlap, with the skills you would need to add.
Liquidity Reporting Analyst
92% skill overlap
To add: Treasury and cash flow management
Your role
Liquidity Risk Analyst
58% skill overlap
To add: Asset-liability management and rate risk, Treasury and cash flow management, Risk judgment and escalation instinct
Your role
ALM Analyst
57% skill overlap
To add: Asset-liability management and rate risk, Treasury and cash flow management, Risk judgment and escalation instinct
Your role
External Audit (Financial Services)
47% skill overlap
To add: Audit methodology, Internal controls and risk oversight, Financial statement analysis and ratios
Your role
Credit Risk Analyst
42% skill overlap
To add: Credit analysis and creditworthiness, Financial statement analysis and ratios, Descriptive statistics and distributions
Your role
Do this job? Suggest a correction
Sources
Own funds (regulatory capital)Own funds are the capital a bank or investment firm can count towards its prudential requirements under the CRR. They are the sum of Tier 1 capital (CET1 plus Additional Tier 1) and Tier 2 capital, after deductions and regulatory filters. Synonyms: regulatory capital, total capital.
Risk-weighted assets (RWA)Risk-weighted assets measure a bank's exposures adjusted for risk: each exposure is multiplied by a risk weight that reflects its credit, operational or other risk. Capital ratios divide capital by RWA, so RWA also sets how much capital a bank must hold. Also called risk exposure amount.
Pillar 3 disclosuresPillar 3 is the set of public disclosures that banks must publish on their capital, risk exposures, liquidity, leverage and risk management, in standard EBA templates. It lets markets compare banks. Under CRR3 the EBA centralises publication through its Pillar 3 data hub.
CRR (Capital Requirements Regulation)The Capital Requirements Regulation, Regulation (EU) No 575/2013, sets the directly applicable EU rules on own funds, capital requirements, liquidity, leverage, large exposures, reporting and disclosure for banks and investment firms. It applies the Basel standards across the single market.
COREP (Common Reporting)COREP is the EU harmonised supervisory reporting framework for own funds and capital requirements of banks and investment firms under the CRR. It is set out in EBA implementing technical standards and submitted in XBRL to national supervisors, mostly every quarter.
Deferred taxDeferred tax is the tax effect of temporary differences between the accounting carrying amount of assets and liabilities and their tax base. IAS 12 recognises deferred tax liabilities and, when future taxable profit is probable, deferred tax assets, including those from tax losses.
Operational riskOperational risk is the risk of loss from inadequate or failed internal processes, people and systems, or from external events. It includes legal risk and excludes strategic and reputational risk. Examples are fraud, processing errors, cyber incidents and outages.
Validation rules (EBA)EBA validation rules are the checks that a supervisory report must pass, such as totals equal to the sum of their parts or consistency between templates. They are published with each taxonomy release, and a failing report can be rejected by the supervisor.
Consolidation (group accounts)Consolidation combines the financial statements of a parent and the entities it controls into one set of group accounts, as if they were a single economic entity. Intercompany balances and transactions are eliminated, and non-controlling interests are shown separately. IFRS 10 defines control.
Leverage ratioThe leverage ratio is Tier 1 capital divided by total exposure, measured without risk weights and including off-balance-sheet items. The EU minimum is 3%, with an extra buffer for global systemically important banks. It is a backstop against risk weights that turn out too low.