Treasury Management Officer

Job Summary

The Treasury Management Officer (TMO) is a relationship-driven, consultative sales role responsible for delivering treasury solutions, generating fee income, and supporting the needs of Business Banking clients. This role focuses on deepening existing relationships, optimizing customer usage of treasury products, and ensuring high-quality client experience. The TMO works closely with Business Banking Relationship Managers and internal partners to identify treasury needs, implement solutions, and drive non-interest income growth across the portfolio.

Success in this role is driven by strong product expertise, collaborative sales support, and proactive client engagement.

• Partner with Business Banking Relationship Managers, Credit, Deposit Operations, and internal support teams to assess client needs and deliver tailored treasury solutions.
• Conduct regular portfolio and relationship reviews with assigned clients to identify opportunities to increase product utilization and generate fee income.
• Maintain close coordination with Retail, Business Banking, and Operations teams to ensure seamless onboarding, implementation, and ongoing servicing of treasury products.
• Provide ongoing support and training to clients regarding treasury products, services, and digital banking solutions.

• Serve as the subject-matter expert on treasury products including, but not limited to:
  Online Banking, Remote Deposit Capture, Smart Safe solutions, ACH, Wire Transfer, Lockbox, Corporate Cards, Merchant Services, Cash Vault, Zero Balance Accounts, and fraud-prevention tools.
• Identify and execute opportunities within existing relationships to expand usage of treasury products that drive fee income and improve the client’s operational efficiency.
• Partner with internal teams to analyze account activity, pricing structures, and product configurations to optimize profitability.
• Support Relationship Managers by preparing treasury needs analysis and recommending appropriate solutions based on client industry, cash-flow cycle, and risk profile.

• Support Business Bankers by providing treasury product consultation during existing client conversations and renewal discussions.
• Participate in joint calls and internal strategy sessions to ensure treasury opportunities are identified early and supported effectively.
• Offer insight on competitive offerings, industry trends, and best practices regarding treasury solutions.
• Act as a resource for Business Bankers in areas such as depository analysis, product pricing, and cash-flow optimization strategies.

• Manage the implementation and setup of treasury products and services, coordinating with internal teams and third-party partners.
• Oversee equipment installation, configuration, or coordination when needed (e.g., RDC scanners, Smart Safe, etc.).
• Ensure that all documentation, agreements, compliance requirements, and onboarding activities are completed accurately and in a timely manner.
• Deliver an exceptional customer experience by resolving issues promptly and preventing service disruptions.

• Contribute to training and mentoring initiatives for new team members or colleagues.
• Promote a client-centric service environment by reinforcing best practices in communication, responsiveness, and problem resolution.
• Maintain strong awareness of local community events, organizations, and networking opportunities to identify and develop business prospects.

• Excellent written and verbal communication skills.
• High level of professionalism.
• Experience using Microsoft Office products.
• Demonstrated consistent and effective negotiation skills.
• General knowledge of business deposit products and services.
• Demonstrate knowledge of depository structures, along with thorough understanding of current banking industry.
• Work well within a team environment and collaborate closely with internal partners to deliver customer solutions.
• Highly coachable, with a proactive approach to learning new systems,…