Business Banking Corporate Payments Specialist

Citizens • Westwood, MA

15h

About The Position

The Corporate Payment Specialist (CPS) is responsible for prospecting and
closing new business within the commercial card segment. This role requires
strong knowledge of the commercial payments landscape, including the full sales
cycle, pricing structures, and negotiation strategies. The CPS works closely
with Relationship Managers (RMs), Treasury Sales Specialists (TSS), and Market
Managers to identify, pursue, and win card opportunities with companies
generating up to $50MM in annual revenue.

Requirements

• Strong understanding of interchange pricing, including MCC classifications and transaction types that qualify for enhanced data levels or large-ticket interchange categories.
• Ability to interpret client financials and payment flows to structure customized card solutions that meet client needs.
• High attention to detail, client-first mindset, and strong communication skills for effective collaboration across teams.
• Bachelor’s degree in business, finance, or related field (or equivalent work experience) preferred.
• 5+ years of experience in treasury management, commercial payments, or related financial services.
• Strong knowledge of commercial credit card programs.
• Excellent influence, communication, and relationship-building skills.
• Ability to analyze complex client needs and provide strategic solutions.
• Demonstrated ability to build strategic relationships with internal and external stakeholders.
• Strong negotiation, decision-making, and problem-solving skills.
• Expertise in pipeline management and sales forecasting, with proficiency in Salesforce or similar CRM systems.
• Willingness to travel to meet team and customer needs.
• Excellent interpersonal, communication, and presentation skills; proficiency in Microsoft Office Suite (Excel, Word, Powerpoint).

Nice To Haves

• Experience with supplier enablement and card strategies is preferred.

Responsibilities

• Attend client and prospect meetings with RMs and/or TSS to evaluate payment needs and align them with Citizens’ commercial card solutions.
• Develop and execute pre-call planning and post-call follow-up with internal partners to maintain momentum throughout the sales process.
• Guide clients through the onboarding and implementation phases, with a focus on driving charge volume and program utilization post-close.
• Analyze spend data and program usage to identify optimization opportunities, including credit line increases and supplier engagement.
• Submit and review vendor match templates to maximize supplier acceptance and enhance card adoption.
• Provide guidance on card pricing, including interchange implications related to data levels (Level I, II, III) and large-ticket transactions, to ensure optimal revenue capture and program profitability.
• Serve as a subject matter expert on card economics and educate internal partners and clients on how pricing structures impact cost and rebate potential.
• Engage RM teams across assigned markets for joint calling efforts and opportunity alignment, ensuring equitable lead distribution and market coverage.

Benefits

• We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.
• Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States.
• For an overview of our benefits, visit https://jobs.citizensbank.com/benefits [https://jobs.citizensbank.com/benefits].

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees