BMO U.S.

Analyst

• Analyze & Advise: Assess financials, trends, and credit risk.
• Evaluate repayment capacity and structure financing solutions.
• Build models and prepare credit recommendations.
• Manage Risk: Monitor portfolios for risk changes.
• Ensure compliance with policies and regulations.
• Mitigate risk to protect assets.
• Support Deals & Growth: Assist with new, renewal, and extension loans.
• Support deal structuring and negotiations.
• Partner with Relationship Managers to grow client relationships and revenue.

Credit Analyst

Director

• Facilitates growth for the Bank through business development and management of key client relationships.
• Maintains an outstanding and continuous record of significant revenue generation from sales and syndications.
• Leads the structuring of high-value, complex deals, and credit approvals, ensuring alignment with client needs.
• Manages high-value client portfolios, driving cross-selling, retention, and profitability.
• Drives efforts to identify new business opportunities, acquire clients, penetrate markets, and expand the client base by leveraging market insights, competitor analysis, and cross-selling initiatives.
• Represents bank at industry forums and conferences, leveraging insights on trends, competition, and emerging products to drive strategic decision-making.
• Advises in various committees and task forces, providing strategic insights and guidance to drive key initiatives.
• Streamlines operational processes, identifying areas for improvement and implementing best practices.
• Develops communication strategies to influence stakeholders and support organizational change.
• Oversees resource allocation for the team, ensuring effective use of personnel and budgets to meet organizational goals, enhance team performance, and drive client satisfaction.
• Builds and maintains strong long-term relationships with the bank’s high-value and strategic clients, providing strategic advice on financial solutions and ensuring exceptional service and partnership.
• Structures deals, secures credit approvals, negotiates high-value transactions, and identifies opportunities for cross-selling.
• Analyzes market trends, client industry developments, and competitive positioning to inform client solution strategies and optimize client satisfaction.
• Works closely with internal teams and stakeholders to define products, solutions and strategies that best fit clients’ needs.
• Considers and identifies opportunities for 'originate to distribute' and ensures optimal ROE monitoring.
• Ensures adherence to regulatory requirements, internal controls, and compliance policies in all aspects of relationship management, mitigating risk and maintaining service standards.
• Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.
• Ensures alignment between values and behaviour that fosters diversity and inclusion. Regularly connects work to BMO’s purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through.
• Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
• Attracts, retains, and enables the career development of top talent. Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance.
• Acts as an escalation point for complex client issues, using strategic problem-solving to resolve conflicts and maintaining strong client relationships.
• Operates at a group/enterprise-wide level and serves as a senior specialist resource across BMO. Influences how teams/groups work together.
• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to multiple, interdependent, complex problems.
• Communicates abstract concepts in simple terms. Fosters strong internal and external networks and works with and across multiple teams to achieve business objectives.
• Anticipates trends and responds by implementing appropriate changes. Broader work or accountabilities may be assigned as needed.
• Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Managing Director – Team Lead, National Accounts

Risk

• Collaborate in the review and evaluation of delinquent, high risk, or written-off accounts
• Understand customer needs and provide collections-related sales and service
• Advise customers on payment strategies and products
• Fulfill sales and service activities in accordance with approved procedures
• Support coaching, training, quality audits, and vendor management
• Deliver exceptional customer service
• Develop rapport and instill confidence with clients
• Contact customers to manage their application status
• Execute loss mitigation processes for non-performing and high risk accounts
• Handle incoming calls professionally and efficiently
• Review accounts and analyze data to determine probability of collection

Account Specialist, High Value at Risk

QA Engineer

• The Penetration Tester reports to the Sr. Manager of Network and Strategic Penetration Testing
• Responsible for the execution and coordination of ethical hacking to identify weaknesses and areas for improvement
• Assists in delivery of security testing projects according to a structured process, including writing test reports
• Assists with the execution of highly technical/analytical security assessments of Active Directory environments, network infrastructure, cloud environments, and AI technologies
• Advises on secure development practices
• Provides technical leadership to business areas as a Security Testing subject matter expert
• Identifies security gaps and deficiencies by conducting risk assessments
• Assists in the execution of planning, testing, tracking, and advises on necessary risk acceptance for identified security risks
• Works with management and peers to foster the development of less experienced Security Testing Consultants

Penetration Tester – Networks, Cloud

Financial Planning and Analysis

• Support customers primarily in the inbound call queue at the BMO Investment Centre
• Become an expert in understanding customer needs
• Provide wealth and investment-related sales and service
• Support customers through onboarding of new accounts and investment transactions
• Review customers' goals and objectives to ensure appropriate investment products and services

Bilingual Investment Specialist

• Provides financial and investment planning and advice to deliver a solution in the best interests of the customer
• Determines client needs and provides solutions though the sales of managed products and services (e.g. mutual funds, retirement savings plans, and similar products)
• Provides other solutions indirectly through referrals to business partners
• Takes a lead in proactively engaging with new and existing customers and prospects by providing needs-based assessments to grow loyalty and identify immediate/future opportunities
• Implements business development strategies to acquire new business (outbound calling campaigns and cultivating branch referrals)
• Engages customers to grow BMO’s business by reaching out, generating appointments, and building new relationships within the community
• Identifies opportunities during customer conversations to generate referrals for personal and commercial banking products (e.g. personal banking, lending, and investments)
• Supports the achievement of sales and performance targets
• Develops and implements a relationship management plan to meet the needs of client
• Responds to customer investment requests to fulfill investment product needs aligned with the customer’s goals and refers the customer to partners where appropriate
• Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs
• Breaks down strategic problems, and analyses data and information to provide insights and recommendations
• Executes work to deliver timely, accurate, and efficient service
• Introduces clients to investment strategies and works with clients to set goals and make real financial progress using appropriate guidance tools
• Probes to understand customer personal investment and banking needs and integrates marketing promotions and programs into customer conversations to provide strategic advice
• Looks for ways to contribute to the ongoing improvement of the overall business results and customer experience delivered
• Maintains current knowledge of personal investment products, practices, and trends and integrates into customer conversations
• May work at multiple branches and through various channels based on market needs to deliver the desired customer experience and achieve overall business objectives
• Builds effective relationships with internal/external stakeholders
• Protects the Bank's assets and complies with all regulatory, legal, and ethical requirements

Financial Planner

Sales

• Provides a superior level of customer service and portfolio management in lending services
• Provides technical expertise for proactive credit analysis, structuring, decisions, and portfolio monitoring
• Applies lending expertise to a lending and deposit portfolio of accounts
• Assists in preparing new business proposals or presentations to clients/prospects
• Assists in preparing for client meetings and account opening documentation
• Identifies and recommends workflow process alternatives that can lead to improved efficiency
• Performs client sales & service support activities as required to meet client needs
• Determines client needs and ensures timely and accurate completion of transaction processing
• Provides after sales support and handles exceptions tactfully
• Takes ownership of client inquiries/ concerns/ complaints, ensuring timely resolution
• Maintains detailed knowledge and understanding of the integrated private banking services and offerings

Mortgage Sales Assistant

Account Manager

• Cultivates, builds, and manages relationships with a portfolio of small business clients
• Applies professional consultative sales and business development practices
• Actively identifies opportunities and refers to BMO colleagues as appropriate
• Proactively develops and executes sales strategies
• Develops internal and external networks and referral sources
• Generates appointments and opportunities to grow business results
• Develops, maintains, and executes a business plan
• Identifies prospective customers and cross-sells additional products and services
• Delivers exceptional customer service and builds trust
• Develops and maintains long-term profitable relationships
• Answers inquiries and provides accurate information about business banking products and services
• Resolves or escalates issues
• Provides advice and guidance on implementation of solutions
• Monitors and tracks performance
• Coordinates the management of databases
• Builds change management plans of varying scope and type

Business Banking Relationship Manager

• Provides financial and investment planning and advice in collaboration with other team members to deliver a comprehensive banking solution in the best interest of the customer.
• Determines client needs and provides solutions through the sales of managed products and services.
• Supports the achievement of sales and performance targets for new asset sales, joint appointments, fee-based sales, and financial planning.
• Implements business development strategies to acquire new business and cultivate branch employee referrals.
• Identifies opportunities during customer conversations to generate referrals for personal and commercial banking products.
• Implements a relationship management plan in collaboration with the lead relationship manager.
• Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs.
• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
• Helps determine business priorities and best sequence for execution of business/group strategy.

Financial Advisor

Data Analyst

• Analyze and visualize trends across the end-to-end collections process to identify performance gaps, emerging risks, and opportunities
• Evaluate third-party agency performance and uncover optimization opportunities in assignment strategies
• Support the design and refinement of employee incentive programs to drive desired performance outcomes
• Develop dashboards and reporting (e.g., Power BI) to provide actionable insights to stakeholders
• Partner with operations, strategy, and risk teams to translate analytical findings into business actions
• Continuously identify opportunities to improve collections efficiency, effectiveness, and overall portfolio performance
• Documents data flow, systems and processes to improve the design, implementation and management of business/group processes.
• Develops tools and delivers training programs for use of reporting tools and self-serve analytics by non-analytical end users; may include delivery of training to audiences.
• Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role.

Senior Data Analyst

Compliance

• Acts as senior liaison with OBSI, accountable for the effectiveness and integrity of the External Complaints Body (ECB) relationship
• Leads OBSI-related interactions, escalations, and negotiations, representing BMO in complex and high-risk matters
• Oversees the management of complex, high-risk, and contentious cases, ensuring investigations are rigorous, objective, and consistent
• Proactively identifies, assesses, and escalates urgent, sensitive, systemic, and reputational risks
• Oversees and challenges the review and analysis of evidence, documentation, and regulatory requirements to ensure completeness and accuracy
• Leads development and approval of resolution strategies and settlement recommendations
• Oversees the development of clear, concise, and well-reasoned responses to OBSI and customers

PM Compliance Specialist – OBSI Manager

• Cultivates, builds, and manages relationships with a portfolio of small business clients to build a pipeline of new business and increase BMO’s market share.
• Applies professional consultative sales and business development practices and techniques for an assigned jurisdiction/portfolio.
• Actively identifies opportunities and refers to BMO colleagues as appropriate.
• Proactively develops and executes sales strategies to attract new business clients and expand existing relationships.
• Develops internal and external networks and referral sources to ensure ongoing growth of BMO's business.
• Generates appointments and opportunities to grow business results through targeted sales efforts.
• Develops, maintains, and executes a business plan, including relationship management strategies, to achieve customer retention objectives.
• Identifies prospective customers and cross-sells additional products and services to meet their needs.
• Develops client rapport and instils confidence to develop credibility and earn their trust as relationship manager.
• Understands the local market and proactively develops relationships with centres of influence.
• Delivers exceptional customer service and builds trust by providing expertise, responsive service, and support.
• Develops and maintains long-term profitable relationships and expands wallet share within the assigned portfolio.
• Answers inquiries and provides accurate information about business banking products and services.
• Understands customer needs and offers financial solutions that meet customer goals.
• Resolves or escalates issues.
• Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs.
• Provides advice and guidance to assigned business/group on implementation of solutions.

Business Banking Relationship Manager – Trainee

Customer Support

• Conduct outbound calls to clients to follow up on incomplete applications or missing documentation and clearly communicate requirements
• Respond to client inquiries, issues, and requests in a professional and timely manner
• Review submitted documents, identify gaps, and guide clients on next steps to ensure completion
• Manage client interactions end-to-end, ensuring requests are resolved or routed to the appropriate internal teams
• Escalate complex or unresolved issues to senior team members when required
• Accurately document all client interactions and ensure updates are recorded in accordance with procedures
• Maintain confidentiality of client and Bank information at all times
• Monitor and report any suspicious activity in line with Anti-Money Laundering (AML) requirements
• Adhere to all regulatory and compliance standards, including AML, Terrorist Financing, FCAC consumer provisions, and Privacy Act requirements
• Stay informed on internal processes, policies, and relevant updates to support accurate guidance to clients
• Complete assigned tasks within defined guidelines and escalate issues as needed

Customer Support Advisor

• Cultivates, builds, and manages relationships with a portfolio of small business clients
• Identifies opportunities and refers to BMO colleagues
• Develops and executes sales strategies to attract new clients
• Develops client rapport and instills confidence
• Delivers exceptional customer service
• Resolves or escalates issues
• Supports the development and promotion of a business/group program

• Supports the business/group leader in implementing, maintaining, and administering first line of defense programs
• Ensures adherence and efficiency in oversight of business operations
• Contributes to a risk management culture through collaboration with first line employees and risk functions
• Acts as a strategic partner ensuring program elements integrate with overall business/group strategies
• Develops expert understanding of business/group challenges
• Prepares and briefs senior leaders on regulatory matters
• Monitors and advises on risk requirements within defined risk appetite.
• Tracks performance and addresses issues, leading change management programs.

Credit Analyst

Managing Director – Team Lead, National Accounts

Account Specialist, High Value at Risk

Penetration Tester – Networks, Cloud

Bilingual Investment Specialist

Financial Planner

Mortgage Sales Assistant

Business Banking Relationship Manager

Financial Advisor

Senior Data Analyst

PM Compliance Specialist – OBSI Manager

Business Banking Relationship Manager – Trainee

Customer Support Advisor

Business Banking Relationship Manager

Director, Experience Management – Governance