Associate Banker

BMO • San Diego, CA

11d • $45,000 - $75,000 • Onsite

About The Position

The Associate Banker delivers exceptional service to BMO customers and prospects by identifying customer needs and providing guidance on financial solutions in customers’ best interests. Working collaboratively with branch colleagues and BMO partners, the role contributes to business objectives and an excellent customer experience. The Associate Banker welcomes customers in the branch, helps them navigate digital and self-service options, conducts conversations about banking services, and meets transaction needs. The role also identifies referral opportunities and discusses personal banking, investment, and credit card needs.

The position supports branch operations, follows risk and compliance policies, and protects customer assets and privacy. It requires current knowledge of personal banking products, practices, trends, and the financial services regulatory environment. Work may take place at multiple branches or through different channels depending on market needs; schedules may vary from week to week in days, hours, and shifts. Broader tasks may be assigned as needed.

Requirements

• Typically 1–2 years of relevant experience and/or certification in a related field, or an equivalent combination of education and experience.
• Some experience in a consultative customer service or sales role and motivation to deliver a personal customer experience.
• Confident and experienced using social media, tablets, smartphones, online tools, and applications.
• Passionate commitment to helping customers.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourceful self-starter with the confidence to approach customers.
• Willingness 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.
• Listening, problem-solving, and adaptability skills, including the ability to respond creatively to new challenges.
• Basic specialized knowledge of sales and business banking solutions sufficient to refer customers to specialists.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For Canada, investment-product sales registration completed or in progress; if in progress, it must be completed within 12 months, as appropriate for the jurisdiction.

Responsibilities

• Deliver exceptional service and provide advice about financial solutions that meet customer needs and are in customers’ best interests.
• Collaborate with BMO partners to identify referrals that can grow customers’ relationships with the bank.
• Welcome and guide customers in the branch lobby, explain digital and self-service options, and help customers choose appropriate banking channels.
• Discuss banking services and provide personal banking and investment advice, including recommendations for alternative banking channels.
• Complete customer transactions accurately and seamlessly.
• Review customer profiles and conduct needs-based conversations about everyday banking plans and credit card needs.
• Contribute to branch business results and customer experience goals.
• Support operational activities such as inventory management, escalated service requests, application follow-ups, filing, and opening and closing activities.
• Integrate marketing promotions and programs into customer conversations and provide strategic advice.
• Organize work information to ensure accuracy and completeness, and look for creative ways to personalize and improve the customer experience.
• Follow risk and compliance processes and policies, safeguard customer assets and privacy, and act in customers’ best interests.
• Maintain knowledge of the financial services marketplace, legal and regulatory environment, and personal banking products, practices, and trends.
• Identify and report suspicious activity patterns potentially related to money laundering, and comply with applicable legal and regulatory requirements.
• Protect bank assets and apply the Risk Management Framework, approved policies, laws, and regulations when making sound, risk-informed decisions.
• Analyze issues, determine next steps, and escalate as required.
• Work collaboratively across the branch and market team; assignments may include different branches or channels based on market needs.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included in the total compensation package.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed