Commercial & Business Services Specialist

EverBank•Jacksonville, FL

About The Position

The Commercial & Business Services Specialist is responsible for delivering exceptional customer service and support to Commercial and Specialty Deposit Group Leaders, Relationship Managers and their respective clients and prospects. Acting as the primary point of contact for targeted commercial, business, and specialty deposit clients with complex bank account structures and servicing requirements, plays a pivotal role in maintaining and enhancing commercial and business banking relationships, including advanced account onboarding, application processing and daily maintenance. Working under moderate to low supervision, this job supports other banking professionals to ensure that critical tasks are completed on time. This role provides guidance and training to associates and assists with escalated client issues.

Requirements

Previous experience working with commercial and business banking clients.
Demonstrated excellence in client service, relationship management, and issue resolution.
Strong problem-solving, analytical, and critical-thinking skills.
Ability to effectively manage multiple priorities in a fast-paced environment.
Experience handling sensitive financial information with a high degree of discretion and professionalism.
Proactive, client-focused approach with a commitment to delivering exceptional service.
Strong understanding of commercial banking operations, including business account opening, onboarding, and maintenance.
Working knowledge of regulatory and compliance requirements, including Know Your Customer (KYC), Customer Due Diligence (CDD), and Anti-Money Laundering (AML) regulations.
Excellent written and verbal communication skills, with the ability to interact professionally with clients and internal partners.
Strong organizational skills and attention to detail.

Nice To Haves

5+ years of experience supporting commercial, business, and specialty deposit clients with complex account structures, onboarding, and servicing needs.
Strong knowledge of commercial banking products, including specialty accounts, cash management, and treasury services.
In-depth understanding of KYC, CDD, AML, and other regulatory compliance requirements.
Experience supporting commercial, specialty, or corporate clients, including mid-sized and large businesses.
Strong client service, communication, and relationship management skills.

Responsibilities

Serve as the primary contact for targeted commercial, business and specialty deposit clients with complex bank account structures, onboarding, and servicing requirements, ensuring all documentation and compliance requirements are met.
Assist clients with all routine servicing needs, including account establishment, management, account opening applications, processing transactions, and maintenance requests.
Identify and resolve discrepancies or issues.
Assist in contract and documentation review, as well as account onboarding processes.
Maintain accurate records and documentation in accordance with regulatory and internal compliance standards.
Ensures work is properly safeguarded and controlled in accordance with banking policies and procedures.
Assist with inbound and outbound calls and emails.
Maintain a thorough understanding of the industries, relationships and portfolios supported, ensuring accurate and professional customer service delivery.
Actively engage with Commercial and Specialty Deposit Group Leaders, Relationship Managers, and clients to address inquiries, resolve issues, and provide support as needed.
Collaborate with Deposit Relationship Managers and Business Partners to ensure timely resolution of issues and support client needs effectively.
Stay abreast of industry trends, regulatory changes, and best practices related to commercial and specialty banking and deposit services.
Help Support training of newer team members.
Contribute to process improvement initiatives and suggest ways to enhance operational efficiencies.
Review commercial and business banking transactions for unusual, suspicious, or high‑risk activity.
Identify red flags related to ACH, wire transfers, remote deposit capture, positive pay exceptions, and other treasury services.
Conduct timely investigations on alerts generated by fraud‑monitoring systems.
Validate authenticity of requests for account maintenance, payment initiation, and profile changes through approved verification procedures.
Apply bank policies, dual‑control standards, and authentication protocols to reduce fraud exposure.
Support frontline teams in preventing fraud by providing guidance on best practices and emerging threats.
Assist clients with fraud‑prevention tools such as positive pay, dual approval, secure token usage, and multi‑factor authentication.
Communicate promptly with clients to validate suspicious transactions or confirm high‑risk activity.
Educate business clients on fraud trends, social engineering tactics, and security expectations.
Provide clear instructions for steps required after a suspected fraud incident (e.g., account closure, affidavit completion, system resets).
Collect and document evidence related to suspected fraud, including transaction history, customer communications, system logs, and verification steps taken.
Prepare accurate and complete case files for review by Fraud Operations, Legal, and Compliance.
Maintain audit ready documentation that aligns with regulatory and internal risk management standards.
Partner with Fraud Operations on complex cases requiring deeper analysis or recovery actions.
Coordinate with Treasury Management, Commercial Relationship Managers, and Service teams to mitigate customer impact.
Communicate findings and trends to leadership to support operational improvements and control enhancements.
Follow all applicable BSA/AML, KYC, OFAC, and regulatory requirements during fraud review.
Ensure proper identification and verification steps are met before processing requests.
Adhere to internal fraud prevention policies, service procedures, and documentation standards.
Escalate recurring patterns, systemic issues, or new fraud schemes to management.
Contribute insights to monthly/quarterly risk meetings and fraud trend reports.
Support continuous improvement of fraud detection procedures and frontline controls.
Assist in coordinating replacement of compromised accounts, services, and credentials.
Support clients through the dispute process and help restore full functionality quickly.
Ensure a high-quality experience for commercial and business customers affected by fraud.