Associate Banker

BMO • San Jose, CA

2d • $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 advice and guidance on financial solutions in customers’ best interests. Working collaboratively within the branch and with BMO partners across channels, the role supports a positive customer experience and overall business objectives. The Associate Banker welcomes customers in the branch lobby, guides them toward suitable digital and self-service options, conducts conversations about banking services, and meets transaction-based needs. The role also identifies referral opportunities and discusses personal banking, investment, and credit card needs, including relevant marketing promotions and programs.

The position contributes to branch business results, supports operational activities, and helps improve the customer experience. It requires keeping current with personal banking products and trends, the financial services marketplace, and applicable legal and regulatory requirements. The Associate Banker follows risk and compliance processes, protects customer privacy and bank assets, and identifies and reports suspicious activity. Work may take place at multiple branches or through various channels, and schedules may vary from week to week in days, hours, and shifts.

Requirements

• Typically 1–2 years of relevant experience and/or certification in a related field of study, or an equivalent combination of education and experience.
• Some experience in consultative customer service or sales roles, with a drive to deliver a personal customer experience.
• Confident and experienced using social media, tablets, smartphones, online tools, and applications.
• Basic knowledge of specialized sales and business banking solutions to refer customers to specialists.
• Passionate commitment to helping customers and delivering a personal customer experience.
• Results-focused and able to thrive in a consultative sales and team-based environment.
• Resourceful self-starter with the 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.
• Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
• Basic specialized knowledge.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and team skills.
• Good analytical and problem-solving skills.
• For Canada only: Registration to sell investment products completed or in progress; registration must be completed within 12 months, as appropriate for the jurisdiction.

Responsibilities

• Deliver exceptional service and provide advice and guidance on financial solutions suited to customer needs and interests.
• Collaborate with BMO partners to identify referral opportunities and grow customers’ relationships with BMO beyond personal banking.
• Welcome and guide customers in the branch lobby, advising them on digital and self-service banking options.
• Conduct conversations about banking services and recommend alternative channels, personal banking services, and investment advice.
• Execute customer transactions seamlessly.
• Review customer profiles and conduct needs-based conversations about everyday banking plans and credit card needs.
• Contribute to branch business results and the customer experience.
• Support operational activities such as inventory management, escalated service requests, application follow-up, filing, and opening and closing activities.
• Work as a collaborative and versatile member of the branch and market team.
• Integrate marketing promotions and programs into customer conversations to provide strategic advice.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to ongoing improvements.
• Follow risk and compliance processes and policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain current knowledge of the financial services marketplace, the legal and regulatory environment, and personal banking products, practices, and trends.
• Identify and report suspicious patterns of activity suspected to be related to money laundering.
• Comply with applicable legal and regulatory requirements and protect the Bank’s assets.
• Complete complex and diverse tasks within established rules and limits; analyze issues, determine next steps, and escalate as required.
• Apply the Risk Management Framework and make sound, risk-informed decisions aligned with business strategy, approved risk appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• May include performance-based incentives, discretionary bonuses, perks, and rewards

What This Job Offers

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