Treasury Management Sales Officer

Job Summary:

The Treasury Management Sales Officer (TMSO) is responsible for generating fee income, driving core deposit growth, and expanding business banking relationships through consultative sales of cash-management and payments solutions. This role also creates, leads, and manages the Business Banking Development Program, ensuring bankers are trained, equipped, and coached in TM, deposit strategy, and treasury-led relationship growth. The TMSO works cross-functionally with Business Bankers, Commercial Lenders, Branch Leadership, Deposit Operations, Electronic Banking, and Compliance to deliver high-quality, risk-aligned treasury services.

Essential Functions:

Treasury Management Sales & Business Development

• Achieve TM fee income, core deposit, and treasury product activation goals.
• Conduct detailed financial and cash-cycle analysis for businesses, focusing on liquidity, working capital, collections acceleration, payables optimization, fraud mitigation, and digital banking modernization.
• Present tailored solutions such as:
• ACH origination & filters/blocks
• Wire & international services
• Remote Deposit Capture (RDC)
• Lockbox services
• Controlled Disbursement
• Positive Pay & Payee Positive Pay
• Merchant Services & Commercial Card solutions
• Online & mobile treasury platforms
• Automated sweeps, earnings credit rate (ECR) structures, and liquidity management tools
• Partner with Sales and Relationship Managers/Commercial Bankers to identify opportunities that strengthen the full relationship (loans, deposits, treasury, card/merchant).
• Maintain disciplined pipeline management using the bank’s CRM.

Lead the Bank’s Business Banking Development Program

• Design and implement a structured training, onboarding, and certification program that enhances bankers’ knowledge of:
• Treasury and payments solutions
• Deposit strategy and cost-of-funds awareness
• Fraud controls and digital banking tools
• Industry-specific payment needs (healthcare, manufacturing, professional services, municipalities, nonprofits)
• Create standardized procedures/processes, including discovery templates, pricing guidance, referral processes, proposal tools, and handoff procedures to Treasury Implementations.
• Conduct training sessions, deal reviews, call coaching, and play-based learning (vertical targeting, product specialization, etc.).
• Establish program KPIs tied to banker proficiency, pipeline discipline, revenue contribution, and client activation.

Portfolio Growth, Activation & Retention

• Conduct proactive reviews to identify:
• Dormant services
• Cross-sell and upsell opportunities
• Pricing adjustments tied to earnings credit rates or cost analysis
• Relationship or fraud-risk concerns
• Manage annual and quarterly reviews with key clients to reinforce value and increase adoption.
• Maintain strong relationships with Treasury Implementations and Client Support to ensure timely onboarding and high client satisfaction.

Risk, Compliance & Regulatory Alignment (Banking-Focused)

• Ensure full compliance with:
• BSA/AML, OFAC, KYC, EDD, UCC Article 4A, ACH/NACHA rules, Reg CC, Reg E
• Conduct thorough treasury risk assessments, including:
• ACH/cash management exposure limits
• Dual-control requirements
• Wire authority reviews
• Account structure and entitlement settings
• Partner with Deposit Ops, eBanking, and Compliance to mitigate fraud risks, review suspicious activity, and establish proper controls for business clients.
• Ensure onboarding documentation, agreements, limit approvals, and user entitlements adhere to bank policy

Physical Requirements:

• Talking—Ability to express or exchange ideas by means of the spoken word.
• Hearing—Ability to receive detailed information through oral communication.
• Seeing—Ability to view a computer screen for an extended period and/or identify individuals visually.
• Standing—Ability to stand on feet for required periods of time.
• Walking—Ability to use feet and legs to move from one place to another specifically in narrow/confined spaces.
• Hand/Finger dexterity—Ability to work with hands/fingers for office related duties such as the use of a telephone, keyboard and mouse.
• Reaching—Ability to extend hand/arms in any direction to move/handle objects.
• Driving—…