Capital Reporting Analyst
96% skill overlap
Your role
Regulatory Reporting Analyst
Full profileYour role
- L3 salary
- Not published yet
- Upcoming dated changes
- 16 changes ahead
What the role does
A Regulatory Reporting Analyst prepares the reports that banks and investment firms submit to supervisors on their financial position, capital, liquidity and risks. In the EU this means templates under the European Banking Authority (EBA) reporting framework, such as COREP (common reporting) for capital and FINREP (financial reporting) for balance sheet and income data, plus liquidity reports for the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR). The role sources and reconciles data, runs validations, explains movements and supports submission.
Read a day in the life
A day in the life
It is the second week after quarter end, and the FINREP and COREP templates are due soon. The analyst starts by loading the ledger and risk data into the reporting tool and checking that balance sheet totals reconcile with the general ledger. One difference appears in loans to corporates, traced to a late adjustment posted by finance, so the analyst agrees a correction with the accounting team. Late morning goes to running the EBA validation rules: three rules fail, two because of mapping errors and one because a counterparty sector is missing in source data. After lunch the analyst prepares the liquidity report and reviews the movement in the Liquidity Coverage Ratio against last month, writing a commentary on the main drivers. Mid-afternoon brings a call with the treasury team about a new funding instrument and how it should be reported. The day ends with updating the reconciliation pack and the issue log, and preparing explanations for the reporting manager's 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 regulatory templates and reconciliations with procedures, runs validations, collects data from finance and risk and learns reporting rules and tools under review. | 0-2 | Banks: Analyst, Junior Analyst, Associate (asset servicing), Trainee, GraduateAsset servicers: Junior, Specialist (entry), Officer |
| L2 Independent | Owns a set of reports end to end, such as FINREP or liquidity returns: data, reconciliations, validations, commentary and submission support, 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 reporting rules and new framework releases, handles complex products, answers supervisor queries and represents reporting in 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 regulatory reporting team, owns the reporting calendar, controls and data quality, 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 regulatory reporting for a legal entity or group. Accountable for accurate and timely supervisory reporting, sets the reporting 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 12.7%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
Important and supporting skills 18
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
- Group consolidationWeight 4.3%Relevant to you
- Regulatory change impact assessmentWeight 4.3%Relevant to you
- Data cleaning and validationWeight 4.3%Relevant to you
- Bank product accounting (loans, deposits, EIR, IFRS 9 stages)Weight 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
- Credit risk and lending decisionsSupporting
- Regulatory change managementSupporting
Where the role concentrates
How AI is changing the role
Reporting tools now automate data mapping, validation and reconciliation, and AI assistants draft variance commentaries and answer questions on reporting rules.
Read the full assessment
Reporting tools now automate data mapping, validation and reconciliation, and AI assistants draft variance commentaries and answer questions on reporting rules. Manual data collection and spreadsheet work shrink. The EBA move toward integrated, more granular reporting puts weight on data quality and lineage. Value grows in interpreting rules, understanding products and accounting, explaining movements to supervisors and checking automated outputs. The European Banking Authority reports wide AI use in EU banks with governance expectations, and the World Economic Forum Future of Jobs Report 2025 lists 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)
- Data lineage
- ETL (extract, transform, load)
- Expected credit loss (ECL)
- IFRS 9 Financial Instruments
- Probability of default (PD)
- Solvency II
All 24 concepts
- User acceptance testing (UAT)
- AnaCredit (Analytical Credit Datasets)
- BCBS 239 (risk data aggregation)
- Critical data element (CDE)
- CRR (Capital Requirements Regulation)
- Data dictionary
- Data quality dimension
- Data quality rule
- Data warehouse
- Definition of default
- DPM (Data Point Model)
- EBA taxonomy (reporting framework release)
- End-user computing (EUC)
- European Supervisory Authorities (ESAs)
- Exposure at default (EAD)
- FINREP (Financial Reporting)
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)
51% skill overlap
To add: Audit methodology, Internal controls and risk oversight, Financial statement analysis and ratios
Your role
Balance Sheet Control Analyst
46% skill overlap
To add: P&L production and explanation, Independent price verification, Derivatives and how they work
Your role
Do this job? Suggest a correction
Sources
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.
FINREP (Financial Reporting)FINREP is the EU supervisory reporting framework for financial information: balance sheet, income statement and breakdowns such as non-performing and forborne exposures, built on IFRS or national accounting. Banks submit it in the EBA templates, usually each quarter.
LCR (Liquidity Coverage Ratio)The Liquidity Coverage Ratio requires a bank to hold enough unencumbered high-quality liquid assets to cover its net cash outflows over a 30-day stress period. It must be at least 100% under the CRR and Commission Delegated Regulation (EU) 2015/61.
NSFR (Net Stable Funding Ratio)The Net Stable Funding Ratio compares available stable funding (capital and longer or sticky liabilities) with required stable funding (set by the liquidity and maturity of assets) over a one-year horizon. The minimum is 100%. It applies in the EU since June 2021 under CRR2.
General ledger (GL)The general ledger is the master record of all accounts of an entity, organised by the chart of accounts, from which the trial balance and financial statements are produced. Detailed transactions often sit in sub-ledgers that post summarised entries to it.
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.