Director​/Senior Manager, Transformation Wealth Consumer Lending & Deposits

Role Summary

This role is responsible for leading end-to-end transformation initiatives across Wealth Consumer Lending and Deposit Products, with a primary focus on product innovation, process optimization, and distribution strategy. Sitting at the intersection of lending and deposits, this leader will drive execution of strategic initiatives from concept through delivery—ensuring alignment to business priorities, regulatory expectations, and client needs.

• Lead cross-functional transformation initiatives spanning lending and deposit products, from ideation through implementation and adoption.
• Drive product strategy and enhancements, including pricing, features, and client experience improvements.
• Identify and execute process efficiencies and simplification opportunities to reduce manual work and improve scalability.
• Partner with Distribution, Sales, and Client Teams to strengthen go‑to‑market execution, drive adoption, and increase product penetration.
• Serve as a liaison across Product, Technology, Risk, Finance, and Operations to ensure coordinated delivery and measurable outcomes.
• Establish clear success metrics tied to balance growth, client acquisition, and ROE optimization.

• Digital Enablement as a Competitive Advantage: modernize the client and advisor experience by delivering digital solutions that simplify workflows, improve speed to market, and enhance competitiveness.
• Salesforce Engagement & Growth: activate and enable the salesforce with better tools, insights, and product positioning to drive higher balances, deeper client penetration, and increased share of wallet across all consumer products.
• End‑to‑End Experience Ownership: ensure alignment of product design, pricing, policy, and distribution to create a seamless and differentiated client experience.

• Strong background in product management, transformation, or strategic initiatives within financial services.
• Experience across lending and/or deposit products, with an understanding of pricing, risk, and regulatory considerations.
• Proven ability to lead cross‑functional programs and influence senior stakeholders.
• Demonstrated success driving process improvement, digital enablement, and business growth outcomes.

• Typically 7+ years of relevant experience and post‑secondary degree in Business or a related field, or an equivalent combination of education and experience.
• Strong experience with consumer/commercial credit applicable to retail and business financing products.
• Strong experience working with retail and business product fundamentals, including product design, functionality, and related policies and procedures.
• Strong knowledge of product delivery infrastructure systems and underlying product interdependencies.
• In‑depth retail and business banking environmental awareness/understanding.
• In‑depth risk management associated with new and existing product development and management.
• Strong knowledge of process coordination and management.
• Strong knowledge of banking product management and associated industry and regulatory requirements.
• Building business cases; researching market trends; relationship management; analytics and reporting; product marketing; negotiation skills.
• Software and systems architecture knowledge; financial understanding.
• Seasoned professional with a combination of education, experience, and industry knowledge.
• Verbal & written communication skills (in‑depth/expert).
• Analytical and problem‑solving skills (in‑depth/expert).
• Influence skills (in‑depth/expert).
• Collaboration & team skills with a focus on cross‑group collaboration (in‑depth/expert).
• Able to manage ambiguity and make data‑driven decisions.

$91,800.00 - $ (salaried; commission structure may apply)

Health insurance, tuition reimbursement, accident and life insurance, retirement saving plans, performance‑based incentives, discretionary bonuses, and other perks and rewards. For more detail, visit

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e‑mail to