Associate Banker

Responsibilities

• Delivers exceptional service to BMO customers and prospects.
• Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers.
• Works collaboratively within the branch and through various channels with BMO partners to deliver the desired customer experience and achieve overall business objectives.
• Collaborates with BMO partners to identify referral opportunities that grow the customer’s relationship with BMO beyond personal banking.
• Welcomes and guides customers as they walk into the branch lobby, offering advice and guidance on available digital and self‑serve options to make banking easy, simple, and fast.
• As a lobby leader, assists in conducting client conversations about banking services, recommending alternative banking channels and providing personal banking and investment advice.
• Meets customer transaction‑based needs with seamless execution, including approving or declining transaction requests and assisting with support related transactions.
• Reviews customer profiles and engages customers in needs‑based conversations to identify potential opportunities and address everyday banking plans and credit card needs.
• Contributes to meeting branch business results and the customer experience.
• Supports operational activities such as inventory management, escalated service requests, following up on customer applications, filing, and opening and closing activities.
• Acts as a key member of a collaborative and versatile branch and market team.
• Probes to understand customer personal banking and credit card needs, integrating marketing promotions and programs into customer conversations to provide strategic advice.
• Organizes work information to ensure accuracy and completeness.
• Takes the initiative to find creative approaches that make each customer’s experience feel personal.
• Looks for ways to contribute to the ongoing improvement of the overall customer experience.
• May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week.
• Follows through on risk and compliance processes and policies to safeguard customers’ assets, maintain their privacy, and act in their best interest.
• Keeps current with the wider financial services marketplace, the legal and regulatory environment, and the commitment to uphold the highest ethical requirements of the industry.
• Maintains current knowledge of personal banking products, practices, and trends and integrates them into customer conversations.
• Identifies and reports suspicious patterns of activity suspected to be related to money laundering.
• Complies with legal and regulatory requirements for the jurisdiction.
• Completes complex and diverse tasks within given rules/limits.
• Analyzes issues and determines next steps; escalates as required.
• Take measured risks while protecting the bank by applying the Risk Management Framework in the execution of the role, in line with the risk culture and approved risk appetite.

• Typically between 1–2 years of relevant experience and/or certification in a related field of study or an equivalent combination of education and experience.
• Canada only:
  Registration to sell investment products completed or in progress (must be completed within 12 months) – as appropriate for the jurisdiction.
• Confident and experienced in the use of social media, tablets, smartphones, online tools, and applications.
• Some experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
• Basic knowledge of specialized sales and business banking solutions to refer to specialists.
• Passionate commitment to helping customers, with a focus on results and the ability to thrive in a consultative sales and team‑based environment.
• Resourceful self‑starter with courage and confidence to approach customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.
• Basic…