Senior Commercial & Business Services Specialist

Commercial & Business Services Specialist Sr

The Senior Commercial & Business Services Specialist is responsible for delivering exceptional customer service and support to Commercial and Specialty Deposit Group Leaders, Relationship Managers and their respective clients and prospects. This role serves as the primary point of contact for targeted commercial and specialty deposit clients with complex bank account structures and servicing requirements, ensuring timely problem resolution and professional servicing.

Additionally, the Senior Commercial and Business Services Specialist assists in mentoring and training associates under the supervision of the Manager. This role requires extensive experience in commercial and business banking and the ability to lead projects and process improvements.

• Client Support:
  Serve as the primary contact for targeted commercial and specialty deposit clients with complex bank account structures and servicing requirements. Assist clients with all routine servicing needs, including account establishment, management, and maintenance requests. Manages the onboarding of high-value and complex business accounts, working closely with relationship managers and clients. Assist in contract and documentation review, as well as account onboarding processes.
  
  Oversee the processing of banking applications, ensuring compliance with regulatory and internal standards.
• Knowledge & Partnership:
  Maintain a thorough understanding of the industries, relationships and portfolios supported, ensuring accurate and professional customer service delivery. Actively engage with Commercial and Specialty Deposit Group Leaders, Relationship Managers, and clients to address inquiries, resolve issues, and provide support as needed. Collaborate with Deposit Relationship Managers and Business Partners to ensure timely resolution of issues and support client needs effectively.
• Project & Management Support:
  Acts as Subject Matter Expert on transformational & operational initiatives assisting in User Acceptance Testing (UAT), audit responses, and transformational initiatives. Lead process improvement initiatives, focusing on automation, centralization and streamlining of business banking operations. Mentor and train associates, leveraging subject matter expertise to provide effective coaching and guidance. Assist Management with overseeing the day-to-day operations, including daily report review, and performing quality oversight of completed tasks.
  
  Daily production and quality control reviews. Assist Supervisor with overseeing the day-to-day operations, including workflow assignments, daily report review, and performing quality oversight of completed tasks.
• Transaction & Account Monitoring:
  Review commercial and business banking transactions for unusual, suspicious, or high‑risk activity. Identify red flags related to ACH, wire transfers, remote deposit capture, positive pay exceptions, and other treasury services. Conduct timely investigations on alerts generated by fraud‑monitoring systems.
• Fraud Prevention & Risk Mitigation:
  Validate authenticity of requests for account maintenance, payment initiation, and profile changes through approved verification procedures. Apply bank policies, dual‑control standards, and authentication protocols to reduce fraud exposure. Support frontline teams in preventing fraud by providing guidance on best practices and emerging threats. Assist clients with fraud‑prevention tools such as positive pay, dual approval, secure token usage, and multi‑factor authentication.
• Client Communication &
  
  Education:
  
  Communicate promptly with clients to validate suspicious transactions or confirm high‑risk activity. Educate business clients on fraud…