Ocean Bank

Financial Planning and Analysis

• Develop strong, trust-based relationships with clients through consistent communication and service.
• Create customized financial plans covering investments, retirement, education, insurance, and estate planning.
• Provide tailored investment recommendations and execute trades across a range of financial products (stocks, bonds, mutual funds, ETFs, options, etc.).
• Monitor portfolio performance, rebalance as needed, and deliver regular performance reports.
• Conduct periodic reviews to adjust strategies based on changing client needs and market conditions.
• Understand clients' financial goals, risk tolerance, and investment time horizon.
• Assess clients’ financial situations, including income, expenses, assets, liabilities, and goals.
• Drive business growth through networking, referrals, and marketing initiatives.
• Maintain accurate records of client interactions and stay current on regulatory changes.
• Ensure full compliance with SEC, FINRA, BSA, KYC, and internal policies.
• Perform due diligence on the BSA/KYC (Know Your Customer) write-ups and profile; conduct customer interviews in order to profile them as well as to comply with BSA, KYC and other bank policies and procedures.
• Continuously expand product knowledge and stay informed on market trends and investment opportunities.

Financial Consultant

Account Manager

• Originate new business through disciplined prospecting, referrals, and relationship reviews.
• Manage an assigned portfolio of relationships, including loans and deposit accounts, and provide proactive, holistic support for clients’ financial needs across the relationship.
• Deliver timely, accurate, and solution-oriented service across phone, email, digital, and in-person channels.
• Coordinate loan origination and closing activities, partnering with internal teams from documentation through funding.
• Monitor and resolve account exceptions and past-due activity in accordance with Bank procedures and escalation standards.
• Complete and maintain BSA/KYC documentation (including CDD/EDD, as applicable) and perform periodic client profile reviews.
• Provide management with regular updates on portfolio performance, pipeline activity, client matters, and risk items.
• Travel within your designated market to meet prospective clients and support business development activities.
• Participate in bank initiatives, professional development, required training, and community/relationship-building activities that support business growth and the Bank’s presence in the market.

VP, Relationship Manager – WM

Business Development Rep

• Responsible for generating a business clientele and expanding revenues
• Manage a corporate loan portfolio and customer financial needs
• Conduct regular reviews of client portfolios to identify cross-selling opportunities
• Represent the bank at local events and networking functions

VP, Business Development Officer

• Originate and develop new factoring opportunities through prospecting, market outreach, networking, and referral source relationships.
• Assess client financing needs and structure factoring solutions aligned with credit, profitability, and portfolio growth objectives.
• Prepare and support factoring packages for underwriting and approval.
• Negotiate business terms and present factoring products to prospective clients and referral partners.
• Monitor portfolio performance, client exposure, and market trends.
• Partner with internal stakeholders and the Factoring Operations Team to identify emerging risks, preserve credit quality, and support sound portfolio administration.
• Manage and deepen client relationships’ following onboarding by maintaining regular contact, supporting retention efforts, identifying additional factoring volume, and uncovering cross-sales where appropriate.

VP, Factoring Business Development Officer

General

• Lead and monitor the bank’s CRA program to support ongoing regulatory compliance and performance objectives.
• Review and analyze CRA, HMDA, ECOA, Fair Lending, and related consumer compliance activities to identify trends, risks, and opportunities for improvement.
• Partner with internal stakeholders to evaluate community development investments, donations, and service activities for CRA consideration and documentation.
• Support and coordinate regulatory examinations, internal audits, and compliance reviews, including preparation of responses and supporting documentation.
• Provide guidance, training, and subject matter expertise to business units on lending compliance requirements and regulatory expectations.
• Assist in developing, enhancing, and maintaining compliance policies, procedures, monitoring reports, and risk assessments.
• Prepare reporting and materials for management committees and help promote effective governance of CRA and consumer compliance initiatives.
• Review and respond to consumer complaints as needed.
• Review lending and other related advertising and marketing materials.
• Responsible for attending regulatory, professional/trade and civic association meetings held related to CRA/HMDA/ECOA/Fair Lending compliance.
• Serve as a trusted compliance partner by helping address regulatory questions, consumer complaints, and emerging compliance matters.

CRA Officer

• Support branches, Wealth Management Division, and digital banking channels with customer relationships, account opening, and servicing.
• Review digital banking and online account opening applications, including approval/decline decisions.
• Process account maintenance and service requests.
• Build and maintain customer relationships by identifying needs, explaining product benefits.
• Assign and monitor KACE tickets to ensure service requests are completed accurately.
• Support BSC reporting, including key performance indicators and process improvement recommendations.

Personal Banking Officer

Risk

• Lead the governance, risk management, and operational oversight of fraud prevention, ACH operations, wire transfer services, and related payment channels.
• Develop and execute strategies to detect, prevent, investigate, and mitigate fraud across digital banking, ACH, wires, debit cards, checks, Zelle, and emerging payment platforms.
• Oversee fraud claims, disputes, investigations, exception processing, recalls, returns, reversals, and customer protection processes.
• Maintain strong internal controls, segregation of duties, audit readiness, issue tracking, and remediation practices.
• Ensure compliance with applicable payment, fraud, consumer protection, sanctions, and anti-money laundering requirements.
• Establish and monitor department goals, key performance indicators, service standards, risk tolerances, and operational controls.
• Partner with Information Technology, Compliance, Risk, Audit, Legal, and business stakeholders to enhance systems, strengthen controls, and support process improvement initiatives.
• Manage vendor relationships with fraud detection providers, payment processors, core system vendors, and network providers.
• Prepare and present fraud trends, operational performance, risk assessments, and governance updates to senior and executive management.
• Lead, coach, and develop team members while promoting accountability, customer service, risk awareness, and continuous improvement.

Payment and Fraud Governance Manager

• Responsible for developing Wealth Management / Private Client Services clientele through commercial lending business development efforts.
• Drive business growth by leading commercial loan production and relationship management efforts for the assigned market.
• Prospect and meet regularly with potential customers outside of the office to originate commercial loan opportunities.
• Uncover potential sales opportunities such as relationship expansion, account additions, and other products and services within an established portfolio.
• Monitoring account activity as well as managing accounts in uncollected or overdraft status.
• Ensure that customer profile information and documentation remain current.
• Monitor overdrawn and uncollected accounts.
• Manage past due loan payments.
• Perform due diligence on BSA/KYC write-ups and profile; conduct customer interviews.
• Ensure efficiency with customers’ accounts in all their bank products.
• Identify and analyze new products and/or initiatives that would enhance the service provided to the customer.

VP, Relationship Manager – PCS

Account Executive

• Support Treasury Management sales and service activities, including client follow-up, implementation coordination, product questions, service requests, and internal support needs.
• Partner with clients and Relationship Managers throughout onboarding to support product setup, online banking access, documentation, timelines, testing, and activation.
• Provide technical and operational support for Treasury Management services, including Remote Deposit Capture, ACH, wire transfer services, lockbox, online banking, user access, and related digital banking solutions.
• Deliver training to clients, branches, Relationship Managers, and internal business partners on Treasury Management products, online banking capabilities, documentation requirements, fraud prevention controls, and service enhancements.
• Prepare reports and analyze activity related to product utilization, client enrollment, service activity, exception items, and other performance metrics.
• Assist with product demonstrations, client materials, follow-up tracking, client needs documentation, and cross-sell opportunities that support client relationships and business growth.