US Payments - Processors, Fintech Associate
About the job
- A bachelor's degree or international equivalent in Finance, Economics, or Accounting.
- Experience evaluating companies is advantageous.
- A customer-service focus and attitude for client engagement.
- Ability to perform under pressure and meet time-sensitive deadlines.
- Knowledge of accounting, including reviewing and interpreting annual reports and financial statements.
- Proficiency with Microsoft Excel; knowledge of other programming languages is advantageous.
- Ability to communicate effectively through the creation of models, reports, and presentations.
- Investment banking and/or buy-side experience is preferred.
- Ability to validate artificial-intelligence outputs and align work with policies, risk standards, and ethical-use requirements.
- Conduct analysis and provide financial insights for selected payments, processors, and fintech securities to support investment decisions.
- Author research reports on covered companies, communicate investment theses, and provide opinions on news-flow events.
- Build and maintain financial models to track and value companies.
- Prepare research reports containing company overviews, competitive analysis, valuation, and other relevant information based on quantitative and fundamental factors.
- Communicate investment theses to clients and institutional sales.
- Attend industry and investor events.
- Perform due diligence for potential banking transactions and companies, including initial public offerings and follow-on offerings.
- Work with a lead analyst and the Global Research team to perform equity research and analysis of publicly traded companies.
- An MBA is preferred but not essential.
- Experience evaluating companies.
- Knowledge of other programming languages.
- Investment banking and/or buy-side experience.
About the company
UBS Group AG is a Swiss multinational financial services firm with four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and the Investment Bank. It serves private, corporate, institutional, and retail clients worldwide, offering wealth planning for high-net-worth individuals, Swiss banking services, a broad range of investment products, and advisory, underwriting, and trading in equities, fixed income, rates, and FX. It earns fees from wealth and asset management, interest income from lending, and trading income from investment banking. Its aim is to help clients manage and grow wealth while delivering diversified, revenue-generating financial services across regions and asset classes.
Company Size
10,001+
Company Stage
IPO
Headquarters
Zurich, Switzerland
Founded
1998
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Simplify's Take
What believers are saying
- UBS posted $36 billion wealth net new assets in 2Q26, showing strong client demand.
- 2Q26 cost savings reached $12.6 billion, tracking toward UBS's $13.5 billion 2026 target.
- Investment bank revenues rose 31% in 2Q26, boosted by record global markets activity.
What critics are saying
- Swiss lawmakers backed tougher capital rules on September 23, 2026, threatening UBS returns.
- UBS cut several hundred EMEA jobs on May 29, 2026; more cuts follow through 2026.
- A forced redomicile or breakup would shatter UBS's model and trigger client outflows.
What makes UBS unique
- UBS leads global wealth management, with $4.8 trillion managed as of July 2026.
- UBS completed all Swiss-booked client migrations by 2Q26, proving post-Credit Suisse execution.
- UBS combines Swiss retail banking, wealth, asset management, and investment banking under one platform.
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Benefits
Flexible Work Hours
Remote Work Options
Professional Development Budget
Growth & Insights and Company News
6 month growth
↑ 16%1 year growth
↑ 16%2 year growth
↑ 17%Niederer Kraft Frey has advised Swiss medtech company SpineArt on refinancing and upsizing its syndicated credit facilities. The deal totals CHF 50 million and USD 31.5 million, with UBS Switzerland serving as mandated lead arranger, agent and security agent. SpineArt specialises in advanced spine surgery solutions and operates subsidiaries in the US, Spain and France. The company partners with surgeons and hospitals across more than 60 countries. The refinancing aligns with SpineArt's announcement that its Baguera C cervical disc received FDA approval for one and two contiguous levels, expanding market access in the United States. The NKF legal team was led by Jacques Bonvin, working alongside Andrea Wuerzner, Marc Vogelsang and Boris Catzeflis.
UBS Group has attracted merger interest from several major foreign banks, according to a Swiss newspaper report on 27 September. The discussions are linked to stricter capital requirements imposed on Switzerland's largest bank following its absorption of Credit Suisse. Switzerland mandated that UBS hold substantially more capital, which reduces returns on lending and investment. The bank currently achieves a 10.67% return on equity. A merger with a foreign partner or redomiciling could move UBS beyond Swiss regulatory reach. The report contains no named counterparties, terms, or confirmation from UBS. Any combination would require regulatory clearance across multiple jurisdictions. Switzerland previously treated the Credit Suisse takeover as a state matter, suggesting government involvement would be likely. The speculation itself carries risks, particularly for private banking clients who value stability and may move assets to competitors during uncertainty.
UBS has raised its price target for Valero Energy Corporation from $355 to $450, maintaining a "Buy" rating. The revised target implies nearly 17% upside and exceeds the stock's all-time high of $393 reached earlier this month. Valero has more than doubled in value since the beginning of 2026, gaining over 133%, driven by strong global refining margins. Ongoing disruptions have curtailed refining capacity worldwide, tightening supplies of gasoline, diesel, and jet fuel. UBS believes Valero is well-positioned as refining margins remain elevated. The company's disciplined capital allocation and high shareholder returns support the outlook. Valero returned $2.6 billion to shareholders in Q2, up sharply from $695 million year-over-year. However, the stock's valuation may already reflect extraordinary market conditions, and any decline in refining margins could trigger a pullback.
UBS has named Coca-Cola its top pick in the beverage, household and personal-care sector amid market volatility driven by rising bond yields. The bank favours the company's predictable earnings and dividend despite a nearly 30% share price rally this year. Coca-Cola reported second-quarter revenue of $13.4 billion, up 7% year-on-year, with organic revenue rising 6%. Global unit-case volume increased 5%, whilst comparable earnings per share climbed 11% to $0.97. Comparable operating margin expanded to 35.6% from 34.7%. The company raised its 2026 outlook, now expecting organic revenue growth of about 5% and comparable EPS growth of 9% to 10%. It forecasts approximately $12.4 billion of free cash flow for the year. The quarterly dividend stands at $0.53 per share, yielding roughly 2.39%.
Bank of America's Merrill Lynch has recruited advisors John Vazquez and Manuel Monasterio from UBS, bringing $1.2 billion in client assets to its Santa Fe, New Mexico office. The duo, along with four support staff, were producing approximately $4.7 million in revenue. Vazquez had been with UBS since 1999, whilst Monasterio joined in 2008. The team will operate within Merrill's Desert Mountain Market under Market Executive Elaine Darnell. The move follows Merrill's earlier announcement this week of advisors managing a combined $1.8 billion joining from Morgan Stanley, Truist and Wells Fargo. Despite these wins, Merrill reportedly experienced the largest net losses among advisors this year through 13 August, losing 552 advisors according to Wolfe Research data.