BMO U.S.

Analyst

• Conducts investigations to identify, assess, decision and report on activity that indicates an exposure to financial crimes.
• Ensures potential threats and investigations are evaluated, documented, managed and escalated by following standard operating procedures.
• Provides subject matter expertise and oversight of criminal risk by following an intelligence-based approach to detection and research.
• Provides input and develops recommendations for process and customer service improvements.
• Stays abreast of financial crimes risk trends, relevant regulations and compliance standards.
• Monitors and analyzes information from detection systems, tools, reports, or manually to evaluate, investigate and determine actions.
• Supports the collection of evidence for incident reports/filings, loss prevention, litigation and criminal prosecution.
• Documents actions and information to develop and maintain account/case files.
• Gathers and formats data into regular and ad-hoc reports and dashboards; analyzes data to provide insights and recommendations.
• Executes routine tasks such as service requests, transactions, queries within SLAs and handles escalations as needed.
• Provides notification, information and instructions to internal/external stakeholders related to incidents.

Fraud Analyst

Financial Planning and Analysis

• The Portfolio 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. Develops, maintains, and executes a business plan, including relationship management strategies, to achieve customer retention objectives. Breaks down strategic problems, and analyses data and information to provide insights and recommendations. Monitors and tracks performance, and addresses any issues. Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards. Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment of initiatives. Provides input into the planning and implementation of operational programs. Executes work to deliver timely, accurate, and efficient service. Supports the development and promotion of a business/group program. Follows security and safeguarding procedures and applies due diligence in accordance with Bank’s policies and ethical standards for the prevention of loss due to fraud, robbery, counterfeiting, money laundering, or defalcation. Maintains the confidentiality of customer and Bank information in compliance with Bank policies and procedures. Identifies risks and takes appropriate actions, including all documentation and other regulatory requirements to maintain operational integrity. Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus. Exercises judgment to identify, diagnose, and solve problems within given rules. Works independently on a range of complex tasks, which may include unique situations. Broader work or accountabilities may be assigned as needed.

Portfolio Manager – Practice Finance

Collections

• Collaborates in the review and evaluation of delinquent, high risk, or written-off accounts for possible collections opportunities.
• Understands customer needs and provides collections-related sales and service to BMO customers or prospects.
• Advises customers on payment strategies and products that meet their objectives.
• Fulfills sales and service activities for the customer in accordance with approved procedures.
• Support areas may include, but are not limited to, coaching and training, quality audits, vendor management and credit collection disputes.
• Delivers exceptional customer service that builds trust through expertise, responsive service and support.
• Develops rapport and instils confidence with clients in order to develop credibility and earn their trust as relationship manager.
• Develops and maintains long-term, profitable relationships and expands share of wallet.
• Addresses the more complex escalated customer requests and transactions.
• Contacts the customer to obtain the necessary information to manage their application (as required) ensuring the customer is aware at all times of the status/result of the present and future payments.
• Executes established loss mitigation processes/procedures for the resolution of non-performing and high risk accounts.
• Handles incoming calls in an informed, professional, and efficient manner.
• Probes to understand customer needs and provides advice related to payments and overall collections strategies in the best interests of the customer.
• Sends out client communications, processes transactions and interacts with internal stakeholders to ensure customer needs are met.
• Integrates marketing promotions and programs into customer conversations as appropriate.
• Provides advice and guidance to assigned business/group on implementation of solutions.
• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
• Develops action plans and solutions to maximize recovery and safeguard the Bank’s interests.
• Establishes expertise with Consumer Collections personnel as a key support contact/resource/coach with proficiency and tools to assist departments in achieving goals.
• Utilizes strong negotiation skills and interpersonal skills, while adhering to all applicable guidelines, requirements and regulations.
• Reviews accounts and analyzes data and information to determine the probability of collection; provide insights and recommendations.
• Gathers and formats data into regular and ad-hoc reports, and dashboards.
• Develops and executes short term tactics/plans to drive specific behaviours, activities, and results.
• Manages all transactions related to customer calls or refers to appropriate internal business groups.
• Escalates complex or unresolved customer situations to managers as required.
• Completes required documentation to ensure customer’s requests are accurately processed.
• Integrates information from multiple sources to enable more efficient processes, enhanced analysis and/or streamlined reporting.
• Leads/participates in the design, implementation and management of core business/group processes.
• Supports the development and promotion of a business/group program.
• Identifies business needs, designs/develops tools and training programs; may include delivery of training to audiences.
• Collaborates in efficient functioning of collections life cycle.
• Includes participating in the execution of established loss mitigation solutions for the successful resolution of non-performing and high risk accounts.
• Solutions range from various loan modification options to liquidation for borrowers with delinquent and high risk loans in order to offer default / foreclosure alternatives and minimize losses.
• Delivers exceptional customer service that builds trust through expertise, responsive service and support.
• Follows documented policies and procedures to execute transactions, activities and processes.
• Keeps abreast of needs of the Collections departments.
• Identifies and makes referrals to other business groups as needed.
• Maintains current knowledge of collections strategies, practices, and trends and integrates into customer conversations in a professional manner.
• Maintains the confidentiality of customer and Bank information.
• Supports continuous improvement initiatives by identifying and implementing changes to make processes more effective and efficient.
• Develops and maintains awareness of industry trends and best practices and the regulatory environment as it relates to collections products and services.
• Thinks creatively and proposes new solutions.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works mostly independently.
• Broader work or accountabilities may be assigned as needed.

Senior Associate, Business Banking Collections, Bilingual

• Acts as a subject matter expert on specific marketing and sales force programs and applications.
• Analyzes business opportunities to recommend new strategies, programs, and tactics.
• Designs and executes programs to improve the effectiveness of the sales force, including the development, enhancement, and maintenance of a suite of sales force applications/programs.
• Provides support to employees to facilitate the achievement of business results.
• Acts as a trusted advisor to assigned business/group.
• Influences and negotiates to achieve business objectives.
• Recommends and implements solutions based on analysis of issues and implications for the business.
• Assists in the development of strategic plans.
• Identifies emerging issues and trends to inform decision-making.
• Conducts independent analysis and assessment to resolve strategic issues.
• Helps determine business priorities and best sequence for execution of business/group strategy.
• Builds effective relationships with internal/external stakeholders.
• Ensures alignment between stakeholders.
• Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards.
• Breaks down strategic problems, and analyses data and information to provide insights and recommendations.
• Monitors and tracks performance, and addresses any issues.
• Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.
• Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels.
• Provides input into the planning and implementation of operational programs.
• Leads/participates in the design, implementation and management of core business/group processes.
• Identifies business needs, designs/develops tools and training programs; may include delivery of training to audiences.
• Breaks down strategic problems and analyzes data and information to provide insights and recommendations.
• Monitors and tracks performance and addresses any issues.
• Gathers and formats data into regular and ad-hoc reports, and dashboards.
• Develops and manages a business/group program.
• Prepares or leads execution of communications and change management plans to implement new processes, products, and sales campaigns into the sales force.
• Acts as a single point of contact during implementation to prioritize and manage workflows.
• Reviews the program for effectiveness, considers industry trends, and recommends enhancements; implements changes.
• Develops sales force and marketing programs tools and delivers training programs.
• Coaches employees to drive the most business value from sales force and marketing programs.
• Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
• Provides specialized consulting, analytical and technical support.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently and regularly handles non-routine situations.
• Broader work or accountabilities may be assigned as needed.

Manager, Salesforce Effectiveness, Financial Planner Program

Director

• Facilitates growth initiatives for the Bank through significant business development and excellent management of key client relationships.
• Maintains an outstanding and continuous record of significant revenue generation from sales and syndications.
• Ensures the required internal control standards, including adherence to audit, regulatory and compliance policies.
• Leads and executes business development plans to meet or exceed business goals.
• Provides strategic input into business decisions as a trusted advisor.
• Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.
• Acts as a subject matter expert on relevant regulations and policies.
• Advises on sales strategy based on a deep understanding of the market, relevant industry verticals, market competitors, client needs and business growth opportunities.
• Conducts independent analysis and assessment to resolve strategic issues.
• Develops the business case by identifying needs, analysing potential options and assessing expected return on investment.
• Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution.
• May network with industry contacts to gain competitive insights and best practices.
• Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards.
• Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.
• Manages the risk of the assigned complex portfolio in a timely and precise manner.
• Directly manage the annual review process, interim reviews, specified quarterly reports and resolution of exceptions.
• Maintains accurate documentation and ensure adherence to prescribed policies and procedures and overall safety of the Bank’s position.
• Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution.
• Acts as daily sales contact for clients on sales related questions such as product information, pricing, implementation timeframes and requirements.
• Gathers data to advance sale process and completes all required documentation.
• Assists team in pre-sales activities such as pitch preparation, client research, preparation of prospect and client files for further action.
• Tracks implementation requests to keep the process on track with timelines.
• Tracks Internal reports and recommends improvements to sales support materials based on findings and feedback.
• Compiles pre-call and post call information packages by accessing internal systems and bank personnel to validate client holdings, pricing, and volumes.
• Provides research and data gathering to sales team to facilitate solution to the client’s/prospect’s business and needs.
• Assists with sales and service administration and processing ensuring client experience is seamless and opportunities are identified and met.
• Maintains current client information on Bank system/files to ensure client history is accurate and complete.
• Ensures accurate billing to clients.
• Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.
• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
• Implements changes in response to shifting trends.

Director, Correspondent Banking, SVP

Financial Crime

• Conducts investigations to identify, assess, decision and report on activity that indicates an exposure to financial crimes.
• Ensures potential threats and investigations are evaluated, documented, managed and escalated by following standard operating procedures.
• Provides subject matter expertise and oversight of criminal risk by following a disciplined and intelligence-based approach to detection and research of activities and events in alignment with criminal risk frameworks and standards to ensure compliance as well as support trending, analysis and insights generation.
• Develops solutions and makes recommendations based on an understanding of business strategy and stakeholder needs.
• Provides advice and guidance to assigned business/group on implementation of solutions.
• Helps determine business priorities and best sequence for execution of business/group strategy.
• Conducts independent analysis and assessment to resolve strategic issues.
• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
• Builds effective relationships with internal/external stakeholders (e.g. law enforcement agencies and other Financial Institutions to collaborate in investigations).
• Ensures alignment between stakeholders.
• Integrates information from multiple sources to enable more efficient processes, enhanced analysis and/or streamlined reporting.
• Identifies business needs, provides content/develops tools and training programs; may include delivery of training to audiences.
• Analyzes and assesses incidents or cases that may be complex and require knowledge on several different product lines.
• Prepares reports, notifications and activity/case filings per guidelines and standards.
• Supports the planning and implementation of programs designed to minimize risk exposures and maximize the efficiency and effectiveness of the analytical processes.
• Provides input and develops recommendations for process and customer service improvements.
• Stays abreast of financial crimes risk trends, relevant regulations and compliance standards.
• Monitors and analyzes various information provided through detection systems, tools, reports, or manually to evaluate, investigate and determine required actions.
• Supports the collection of evidence and information to be used for multiple purposes including incident reports/filings, loss prevention, litigation and criminal prosecution, management information and statistics, and process improvements.
• Documents actions and information found throughout the investigation to develop and maintain account/case files.
• Develops and maintains an understanding of the financial crime management processes, frameworks and techniques.
• Gathers and formats data into regular and ad-hoc reports, and dashboards.
• Analyzes data and information to provide insights and recommendations.
• Executes routine tasks such as service requests, transactions, queries etc. within relevant service level agreements.
• Provides notification, information and instructions to internal/external stakeholders related to incidents as necessary.
• Focus may be on a business/group.
• Thinks creatively and proposes new solutions.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works mostly independently.
• Broader work or accountabilities may be assigned as needed.

Investigator - Anti Money Laundering (AML) Case Investigations

Investigator, Anti Money Laundering (AML) Case Investigations

Manager

• Evaluate the risk level of Custom - Pac Rim commercial transactions and make well-informed decisions based on our company's guidelines and standards.
• The ideal candidate should have extensive knowledge in commercial loans and be able to effectively manage a portfolio.
• This position is a hybrid role with on-site client visits; Bi-lingual preferred.
• Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness.
• Identifies recurring and non-recurring income/expenses.
• Comprehend all schedules, notes, and K-1's.
• Differentiates between cash and accrual method as well as comprehend UCA cash flow analysis.
• Consolidates related entities and summarizes results.
• Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation.
• Determines or amends applicable loan agreement covenant and monitoring requirements.
• Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem loans.
• Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspect of the request.
• Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.
• Ideal candidate facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank.
• Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations.
• Recommends credit according to sound credit-granting principles.
• Exercises individually held Commercial unilateral discretionary limits and any held prescribed approval discretionary limits.
• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
• Evaluates clients’ ability to repay loans and consults on loan structure and collateral.
• Identifies trends in client activities which may be predictive of deteriorating credit quality.
• Performs periodic reviews of credit where more frequent monitoring may be appropriate.
• Understands borrower types typical in the high net worth market and their relation to collateral ownership, loan repayment, loan structure, etc.
• Grants loan requests within specified limits, using understanding of credit scoring and risk management concepts.
• Monitors covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement.
• Provides accurate financial analysis and risk assessment of new and existing customers.
• Partners with internal stakeholders for accurate, detailed client information.
• Develops credit information to make lending decisions on new, renewal and extension loans.
• Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.
• Prepares summary, present facts and offer opinions concerning credit worthiness.
• Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
• Provides input into the planning and implementation of operational programs.
• Builds effective relationships with internal/external stakeholders.
• Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently on a range of complex tasks, which may include unique situations.
• Broader work or accountabilities may be assigned as needed.

Senior Portfolio Manager - Emerging Middle Market (Pac Rim)

Product Manager

• Researches, defines, aligns, develops, and implements strategies with P&L (profit and loss) accountability to effectively sell, fulfill, and service new and existing individual or portfolio of loan products and improve the customer and dealer experience.
• Carries out market research, forecasting, pricing, and competitive analysis, monitors product and system performance, and assesses problems to develop and implement solutions.
• Manages product risks in compliance with legal, regulatory, and risk compliance, and reporting.
• Collaborates with internal partners across the enterprise to take products/product enhancements to market.
• Uses market research, customer insights analysis, and competitive intelligence to develop strategy to meet financial and growth plans.
• Develops strategic roadmap and new initiative recommendations to senior leaders, based on an in-depth understanding of the business/group.
• Leads the execution of strategic initiatives to deliver on business and financial goals, managing required resources.
• Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
• Networks with industry contacts to gather competitive insights and best practices.
• Acts as the prime contact for internal/external stakeholder relationships, which may include regulators.
• Oversees the development of business analytics and insights (e.g., portfolio profitability tracking, customer analytics, revenue forecasts, operations metrics, trend analytics, and predictive modelling).
• Leads, develops, and manages strategies for reporting and forecasting and/or analytics teams within the business.
• Defines, establishes, and monitors key product performance and growth metrics to provide a deep understanding of financial performance drivers.
• Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment of initiatives.
• Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution.
• Leads/supports contract negotiations with vendors and external partners, balancing cost, risk, and performance.
• Leads/oversees the management of vendor relationships and external partnerships and provides guidelines for execution; ensures that all agreements are met as per requirements.
• Defines and implements business cases and strategic roadmaps for products and services, including project and budget approvals.
• Provides and analyzes consumer insights, competitive analysis, and benchmarking to identify product strengths and gaps, and extract insights.
• Develops, implements, and manages product documentation, templates, and requirements to ensure they accurately reflect product and systems functionality.
• Leads/participates in the design, implementation, and management of core business/group processes.
• Develops and maintains product directives and policies.
• Completes required internal and regulatory reporting, and attestations.
• Identifies existing and potential risks and develops risk management controls and processes.
• Leads remediation efforts as required.
• Acts as a subject matter expert on relevant regulations and policies.
• Resolves internal, complex, or higher risk customer escalations or policy exceptions, which may include interactions with clients and sales.
• Understands and oversees end-to-end customer and dealer experience that may include interactions with clients and sales, focused on continuous improvement of customer and dealer facing processes, to deliver optimal experience.
• Influences credit product risk parameters and metrics.
• Operates at a group/enterprise-wide level and serves as a senior specialist resource across BMO.
• Communicates abstract concepts in simple terms.
• Anticipates trends and responds by implementing appropriate changes.
• 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.
• Broader work or accountabilities may be assigned as needed.
• Within the mandate of this role, promotes and supports the Bank’s risk culture including ensuring employees understand their accountabilities for risk-taking activities, promoting an environment of open communication and effective challenge, and establishing the “tone from the top” through leading by example.

Managing Director, Indirect Lending Strategy, Product Management & Delivery

Investigator - Anti Money Laundering, AML Case Investigations

Sales

• Call on and grow finance penetration at dealers in the Construction space supporting a single OEM.
• Develop new business by contacting prospects and clients, and by cross-selling Bank products and services that include credit, trust/investment and cash management.
• Maintains an outstanding and continuous record of significant revenue generation from sales and syndications.
• Ensures the required internal control standards, including adherence to audit, regulatory and compliance policies.
• Develops and manages Commercial banking relationships, plans for prospective clients; may include focused calling and pipeline management activities.
• Negotiates terms under which credit/cash management services will be extended, including costs, repayment method, collateral requirements.
• Tracks implementation requests to keep the process on track with timelines; pre-sales activities such as pitch preparation, client research, preparation of prospect and client files for further action.
• Provides research and data gathering to sales team to facilitate solution to the client’s/prospect’s business and needs.
• Maintains current client information on Bank system/files for accurate history and billing.
• Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
• Exercises judgment to identify, diagnose, and solve problems within given rules; works independently.

Vendor Relationship Sales Manager

Compliance

• Hybrid work arrangement with 3 days in the office each week\n• Focus on FINRA and SEC broker-dealer requirements for BMO’s Fixed Income Compliance program\n• Oversees risk assessment, monitoring, testing and surveillance for FICC securitized products\n• Collaborates with FICC LOBs and internal partners to ensure regulatory, corporate and fiduciary obligations are met\n• Develops and maintains compliance information for analysis and reporting\n• Provides advice on regulatory developments and implementation of policies and programs\n• Builds relationships with regulators and internal/external stakeholders